davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have so upset. I don't ask for much all I ask for is to be treated fairly. I have repeatedly told your company that there are errors only my credit report that are preventing me from doing the things that I need to do in order to provide for my family. My family and I are struggling and very frustrated about the troubles we are having. I f something is not done immediately we will in fact seek litigation. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX {$480.00}. I am disputing this on my credit. 

XXXX XXXX - {$28.00} ( Shows balance of XXXX that needs to be paid I'm disputing this also. 

XXXX is XXXX balance, i'm disputing this because they still shows on my credit.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify XXXX, XXXX  and Transunion that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXXday allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian credit report. 

The information for this account listed on my credit report is XXXX XXXX XXXX XXXXXXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get access to my credit report via XXXX but also through XXXX XXXX. Neither recognizes my social security number and personal information that I have provided. I tried to call XXXX but never made it through the phone tree to obtain any help. XXXX XXXX indicates I should " fix '' my information which I don't know how to accomplish. 
How can I determine what information the credit bureau uses and convince them, that they may have wrong information and get things fixed?
Consumer complaint received 2021-01-26
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. (DE)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

My complaint is against Navient reporting inaccurate information to the credit bureaus. The report dates are as follow : XX/XX/2015, XX/XX/2015, XX/XX/2015 XX/XX/2015 I was receiving XXXX XXXX  assistance at that time and I contacted the loan provider about this issue. I was later put on a forbearance, which I have incurred a lot of interest. I was not given information concerning, IBR until last year. These late reports are hindering me from acquiring a permeate home for myself and my kids. I would like for these dates to be removed from my credit report. I would also like an investigation done in regards to the interest that I have accumulated by being in deferment and forbearance,
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than 4 business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2021-05-24
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. (GA)

In XX/XX/2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today XXXX XX/XX/XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.
Consumer complaint received 2020-12-01
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: BMW Financial Services NA, LLC (TX)

I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Consumer complaint received 2021-06-02
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. (IL)

I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.
Consumer complaint received 2021-05-24
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. (TX)

all fcra violations : see attachments : NO PAYMENT HISTORY : XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$84000.00} {$84000.00} XXXX, XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$1400.00} XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$2800.00}
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (IL)

My account was pending closure with US BANK so I went into a branch they didnt explain why and told me they could not help me afterwards they ( the branch ) closed my account and before they did they withdrawed money from it illegally
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Include dates, amounts, and actions that were taken by you or the company. 
*** For the past two year Capital one has been receiving an automatic payment from me. I have attached the bank statement proof. ****** *******also i have attached the credit buro information where they report me not paying.
Consumer complaint received 2022-11-16
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 (NY)

I am writing to follow up with my initial complaints, in which I stated that XXXX XXXX XXXX double charged my capital one bank credit card for a transaction of {$1600.00} for {$3300.00}. Unfortunately however, I still have not received my refund and Capital one bank has continued to charge interest on the fraudulent charge. I am appealing to you to mandate capital one bank to refund the exorbitant interest they have charged on my credit card, and stop further interest charges on this card until the issue is resolved. I am thanking you in advance for your assistance. 

XXXX XXXX
Consumer complaint received 2021-12-09
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Starting XXXX my mortgage payment with Carrington increased to {$1100.00} based on my escrow. I immediately contacted the mortgage company and advised them that my mortgage should not had an increase because there was not an increase in my taxes or insurance. In fact, my insurance had a {$200.00} decrease. I then requested that a new escrow analysis be done. I was told that they needed information from my new insurance carrier, which was promptly provided to them. After learning today, XX/XX/XXXX, that a new escrow will not be done, I considered this unfair to me because now I am paying more money. Had the company run the analysis based on the information provided by the insurance carrier, we will not be here having this conversation. Therefore, I am requesting that company set my payment back to where it originally was when they accepted the loan from XXXX XXXX.
Consumer complaint received 2018-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Credence is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have called repeatedly to resolve this matter and have the account removed from my credit file. I never had any past service with XXXX XXXX XXXX. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (AR)

XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} EXPERIAN, XXXX, AND XXXX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Offices of Kenosian & Miele, LLP (CA)

My debt dates back to 2002. I was given the credit card through XXXX XXXX, then they decided to close my account with no explanation. I was not working and my boyfriend has gotten deported, my baby was hospitalized, and they did not want to work payments with me. I now have XXXX children, a single mother, on public assistance. The last time I worked they tried to do wage garnishment, they seized money from my XXXX XXXX account, Im afraid to leave money in the bank. This debt is very old, and is stressing me out. The balance has more than doubled and is outrages and unfair, and they have threstened to seize property i dont have because I am on XXXX XXXX XXXX, and they served me court papers throughout the past years harassing me. i cant even work because they want to garnish my wages and i have children to support.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (GA)

I tried to transfer stocks from Robinhood to XXXX and it was blocked. This was almost 2 months ago. I then sold all stocks and removed all money from my account. XXXX weeks ago I tried to close the account and it will not let me. I have sent XXXX help requests with no answer via email and no one answers the phone at their corporate office. I want this account closed and my information wiped from their system due to suspect business practices.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Date : XX/XX/2017 Amount : {$390.00} Action Taken : When I disputed this account and it was removed on XXXX and XXXX, but LVNV Funding forgot to remove it from my XXXX.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.