davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XX/XX/2021, XXXX  XXXX XXXX closed my checking account sue to Suspected Fraud. I missed a payment and was late 30 days. I had to wait for a new account. I am currently employed with XXXX. During the same month. I had to XXXX XXXX. I did not get a regular check. I tried to explain what happened. I have never been late, my credit score went from XXXX to now XXXX. As a matter of Fact, this company XXXX XXXX XXXX, renewed my loan. I went through extreme circumstances. XXXX XXXX XXXX said they can't me. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit dispute with TransUnion on XX/XX/2021, to remove inaccurate information on my TransUnion Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

I have verification from the United States Postal Service Certified Mail Receipt that TransUnion received my letter on XX/XX/2021. TransUnion failed to my dispute within 30 days of receipt is a violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. In fact, TransUnion has never responded to my credit dispute. 

I am requesting that the inaccurate information be immediately deleted from TransUnion credit report.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans union dropped my score 39 points when I called them and asked what changed to cause it they said nothing has changed except one hard inquiry which could not cause a 39 point drop! I have been working on my credit for two years and was making slow progress until two days ago when my score dropped 39 points for no reason!! I called transunion and XXXX XXXX  neither could explain this point drop! 

XXXX XXXX
Consumer complaint received 2021-01-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OH)

I was promised a degree in XXXX XXXX, I was told not to worry about the student loans since I qualify for FREE. I needed help many times from the teachers, who at the beginning of the school year said they were available for questions outside of school hours. I called multiple teachers since I was struggling with the courses. Some of the teachers could be heard at a bar having drinks ( my husband can confirm this ) I did not pass those courses and when I complained to the administrator or aids they appeared to not care. I NEVER received my degree and NAVIENT ( used to be Sallie Mae ) is constantly harassing me for payments. I have been paying on this loan for over 20 years! I've told Navient what happened during the school year and the only thing they care about is getting their money. What XXXX did to me is FRAUD and since the school doesn't exist anymore I have no where else to turn. Please HELP!
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (WI)

As the result of an error at XXXX of XXXX this inquiry as added to my credit report. Ive communicated with GLS and sent them a different letter from XXXX explaining the situation that I no longer have access to. GLS has been uncooperative with removing this unauthorized inquiry from my credit report and I feel bullied into an inaccurate credit report because they dont care nor offer resolution.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance With the fair credit reporting act XXXX XXXX Managment Account # XXXX, XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

I have a credit card with Synchrony Bank Credit card ending in XXXX which I opened in XXXX and had a credit limit of {$2500.00}. I have paid on this card monthly and never went over the limit. I also have at times paid more than required. Given the pandemic I did bring this card close to the limit however have not went over the limit and have always paid my payments on time. 
I recently on XX/XX/XXXX made a payment of {$500.00} on this card as an effort to improve my debit to credit ratio which in turn would improve also my credit scoring. 

Well come to find out when my statement for XXXX generated SYNB decided to drop my credit limit to {$2100.00} JUST enough to allow their " interest '' to post to the account but keep my debt / credit ratio on this card near 100 % I am sorry but that is very shady business. They would not have been able to drop my credit limit to {$2100.00} if I had paid the traditional required minimum payment.. Clearly they saw an opportunity to ding me for paying a significant payment on this card. 

I reached out to their customer service on this matter and was told " We can do whatever we want '' I want SYNB to be investigated for being descriptive and playing games with their customers. Clearly if I had NOT paid {$500.00} on this account they could not have dropped the Credit limit by {$390.00} dollars..
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING is a collection agency that is violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). They did NOT send me any verifying and validating information about this alleged debt and to take it a step further, they had also sued me, case number HUD XXXX. I did NOT know that I got sued in the year XXXX by this agency nor did I get ANY notification about such debt. I want proof that I received notification about the alleged debt by providing a certified green return card bearing my signature. Additionally, being sued without proper notification further violates the FDCPA, to be specific, 15 U.S. Code 1692g ( c ) and 15 U.S. Code 1692i ( b ) which states " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance : - ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

Medical claim was paid by insurance. Insurance paid 100 % of claim. Payment was never applied to my account and I was sent to collections. Collection was wrongfully put on my credit file and credit company refuses to remove the claim. Will only put paid in full. This has destroyed my credit.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX XXXXXXXX XXXX  emailed me stating they had system outage and that they were working on restoring access to accounts. Ive attached a screenshot of the email for your viewing. 
Thereafter, on XX/XX/XXXX i am notified by my credit monitoring service I have a change to credit and its for a major derogatory for my XXXXXXXX XXXX  account ending in XXXX. I immediately knew this was wrong since I had just made a payment about two weeks ago or less. Ive attached my bank statement showing proof of that payment for the month of XX/XX/XXXX. I contacted XXXX XXXX  services to advise and ask for remediation of issue. Im currently unemployed and need to keep my credit score clean and good and this issue dropped my credit score to almost more than 40 points! All they said was the issue was been fixed and they are aware to contact Experian if I need an updated credit report file. I asked for them to provide me with a statement explaining the situation and how it affected my account and they refused to do so. All the service advisor kept saying was I needed to contact experian! I am so disappointed with the handling of my credit information. They say it was just a system outage but Im afraid my information was compromised. Please reach out to them and ask them to at least provide more resources to their customers. I am not the only one affected million of their users shared frustration via XXXX in regards to their system issues and credit misreporting.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (SC)

on XX/XX/year> Barclays bank us got a copy of my XXXX credit report without my consent I was over seas as I was in military and also have extented fraud alert on my credit reports and no one called me to see if it was no please remove inquiry from XXXX report
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc. (MA)

The late remarks is in question.They are inaccurate and misleading. Please help get them out of my report by investigating them and seeing the inaccuries in the report. I am asking for proof about the reports and I havent got any. I appreciate your help.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (SC)

M & T Bank enrolled us for biweekly payments which were supposed to be auto payments from our account. They failed to execute the auto payment we were enrolled for in XXXX and did not notify us of their failure to execute the payment. They only reached out to one phone number which was erroneous in their records after the payment date had passed.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I never really use my credit, I purchased a car and had no issues getting a loan for the car. So I didn't think there was any issues. My friend told me I should check on my credit, because dealerships, will ruin your credit. I reviewed my credit and found the following accounts. 

There is a XXXX XXXX XXXX XXXX XXXX account for {$360.00}. That account is not for me, I have never applied for that account ( Fraud ). 

XXXX XXXX XXXX, for {$120.00}, This is not my account. I have never applied for this account. ( Fraud ). 

XXXX account for {$960.00} This is not my account, I never opened this account. ( Fraud ). 

I attached my identity theft report and ask that these account, be removed from my credit report.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a credit card account with a 0 % intro rate in XXXX, XXXX. On my first statement ( dated XX/XX/XXXX ) was the following information : " Enjoy your 0.0 % intro APR on all purchases and, if included in your offer, balance transfers, made until XX/XX/XXXX. After that, your balance will be charged the variable APR noted in your account terms. '' On my XX/XX/XXXX statement, the interest rate disclosed was 0.0 %. The balance was {$18000.00}. I had been carrying a balance throughout the introductory period. The point of getting the card was the introductory period. I completely paid off the old balance on the account by XX/XX/XXXX and made an additional payment on XX/XX/XXXX to pay off all the new charges made on the account since the XX/XX/XXXX statement. My XX/XX/XXXX statement showed a {$0.00} balance. Except for {$280.00} in interest charges. I tried, in vain, to get Capital One to reverse the interest charge. They explained that to avoid interest, I would have had to have had a {$0.00} balance on XX/XX/XXXX. To me, I felt like the information my first statement meant that whatever balance I had on XX/XX/XXXX would be treated as if I had made a purchase on XX/XX/XXXX for the balance. Interest charges would then accrue IF I did not pay off the entire balance. But I did. 

Since I completely paid off not just my XX/XX/XXXX balance by the XX/XX/XXXX due date, but also all new charges before the XX/XX/XXXX cut-off date, I expected there to be no interest charges. 

I have paid the interest charges to avoid further complications. And closed the account out of frustration and the feeling of being deceptively cheated out of {$280.00}.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I mailed Equifax a dispute letter via Priority Mail on XX/XX/2020 and they picked up the letter from the post office on XX/XX/2020. It has been more than 30 days since they received my dispute and they have NOT completed the investigation. 

I have proof they received my letter and I have proof they are still investigation. The investigation should be completed within 30 days from hen they received my dispute, according to the FCRA. I have attached proof of my original letter with tracking number, the tracking confirmation of delivery from USPS, and the follow up letter I sent on XX/XX/2020 Please note : I DID NOT SUBMIT ANY ADDITIONAL information to grant them an additional 15 days. 

They are in violation if the FCRA and I plan to file legal action if the items I disputed are not deleted immediately from my credit report. 

I'm also demanding a updated copy of my credit report reflecting the deleted accounts I disputed. 

I demand all accounts I disputed in my XX/XX/2020 letter be deleted from my credit report IMMEDIATELY.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.