davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I was unable to make a few payments on- time to capital one due to being unemployed and having a financial hardship at the time. I contacted Capital One with a Goodwill letter to remove the late payments and they were not willing to change the status. I have been a loyal customer to Capital One since 2015.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.
Consumer complaint received 2022-09-10
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. (IL)

I HAVE DISPUTED WITH XXXX, EQUFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRES, XXXX, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-02-19
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. (GA)

I am writing to dispute a hard inquiry that has appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified this hard inquiry that I know is inaccurate and should be removed : XXXX XX/XX/2023
Consumer complaint received 2022-09-10
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. (IL)

I HAVE DISPUTED WITH XXXX, XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, XXXX, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (NJ)

Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (MD)

On XX/XX/2019, I contacted Freedom Debit Relief to inquire about my settlement and also to cancel the program. Before doing that I asked if the settlement with XXXX XXXX XXXX was completed since they took over {$3500.00} from my bank account. The guy on the phone confirmed the settlement was completed and I didn't owe anything to XXXX  XXXX XXXX XXXX then I proceeded to cancel the program. A month later, I contacted XXXX XXXX XXXXXXXX to confirm my credit card was settled and they told me they haven't received any funds from Freedom Debt Relief and the settlement agreement was broken because of that. I contacted Freedom Debt Relief and asked to review the recorded phone conversation from XX/XX/XXXX when I was told the account was settled and asked where was my money. A supervisor reviewed the recorded conversation and confirmed I was told it was settled. Yet, she didn't know why I was told that since according to her they only sent 2 out of the 3 payments and charged me close to {$1000.00} in fees for nothing. When I told her that XXXX  XXXX XXXX said they did not receive any funds, I was told they sent it and they couldn't do anything about it ... .. At the end of the day, I still have the XXXX XXXXXXXX XXXX debt and i'm out {$3600.00}. Is not fair they can get away with this type of fraud while people trust them and believe they will act on their best interest but once you start questioning they don't provide any help. Yet they charged me {$1000.00} for nothing as it seems there was not settlement to begin with. I trust them because they made me believe I couldn't do this on my own and i couldn't settle with the credit card companies. They told me multiple times throughout the program not to speak with any of the credit card companies and it couldn't prevent future settlements. I was never told the settlement with XXXX XXXXXXXX XXXX was not completed and not in place and I was told they would charge me fees once the settlement was completed yet they took they fees already from my account.Then came to find out that they haven't even contacted all my debtors, some of they they sent it to collections agencies. Now I lost {$3500.00} and nobody seems to know where is the money.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (TN)

I opened an account with TCF called premier 50 in XX/XX/XXXX-XX/XX/XXXX. My account number ends in # XXXX I was not aware that they were going to charge these accelerated fees for nsf checks which they did me in XX/XX/XXXX, for over {$500.00} dollars. My account was only due a charge of {$35.00} or {$70.00} when I learned that I had an overdraft balance. 

I contacted the bank regarding this ruling asking for a reversal of this amount because I was not aware of this change. There were never any signs posted, nothing in the newspapers, etc that these accelerated charges were about to happen. Since most of the time, I used internet banking, nothing was listed to refer me to this change in policy. 

Also, there was no information regarding this change at the teller windows. It was almost as if it was hidden since I had opted for statements on line. During the same time I was complaining the television stations carried the story of the upset customers and claims were made to the XXXX   controller and Senator XXXX XXXX 's office. TCF still did not reverse these fees. I would have never agreed these fees or services. 

I was required to pay this {$500.00} before I could close this account. I am requesting a reimbursement of my fees that I paid for this change in policy that was unfair to me in accordance to the recent ruling.
Consumer complaint received 2020-04-30
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-04-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

Received trial modification from XXXX XXXX XXXX XX/XX/XXXX. Made trial payment XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mortgage servicing changed from XXXX XXXX XXXX to Rushmore Management services XX/XX/XXXX. Never received the permanent modification agreement from XXXX XXXX XXXX. but I did receive property foreclosure notice from XXXX XXXX XXXX with a sale date for XX/XX/XXXX.  Rushmore Management was in receipt of my 3 payments that were sent to XXXX XXXX XXXX but they tried to foreclosure on my home. How do you foreclose on my home and I've made the required Trial payments It is very apparent Rushmore refuse to honor the previous trial payment agreement with XXXX XXXX XXXX. My mortgage payment has doubled with Rushmore and they have refused to base my mortgage payment on my current income. I've attached documents reflecting the unfair servicing practices of Rushmore. One of the documents they mailed reflect my mortgages payments from the trial payments and another document reflect no payments the same trial payment months. 
Rushmore assigned XXXX XXXX as the relationship manager. She expressed her negative personnel opinion several times while processing my documents. I don't want to lose my home, I feel I'm being passed from mortgage servicer to servicer and no one is trying to correct the mishandling of my mortgage servicing. I want to make my mortgage payments. I feel I'm being discriminated against and I'm a victim of bad mortgage servicing practices. I'm requesting proof the permeant modification agreement was mailed to me for my signature, because I never received hose documents.
Consumer complaint received 2020-04-30
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: Credit Control, LLC (NY)

I saw credit control on my credit report and never had any interaction or did any business with them. When I call them they first stated that they did not ever pull the credit report but than after a manager said he just " pulled the score. '' He did not XXXX shows that they accessed my report and I have it attached. Having Credit Control show up on my credit report is a damaging to getting a rental in new york during this pandemic! 
In addition, their company name ( Credit Control ) appearing on your credit report is defamatory and libelous in nature. 
I have attached their reporting to this email. Please Help CFPB XXXX XXXX contact - XXXX XXXX XXXX Registered Agent XXXX, XXXX A. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am name is XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2019-03-08
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. (ME)

I had many hard inquiries I did not authorize I reached out to these companies got deletion letters also reached out to equifax and disputed these issue yet they wont fix the issues. Most of my inquiries are fraudulent I do have 2 out of the 10 inquiries deletion letters. But all of these are fraud not done by me and equifax refuses to remove these.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TN)

I am on 'Stay at Home Orders ' because of Covid19 since XX/XX/2020. I work part-time so do not get a paycheck while furloughed/Whole state is shut down due to Covid19. I sent Discover Card {$100.00} on XX/XX/2020 toward my XXXX payment of {$450.00}. They called me 5 times on XX/XX/2020, I picked up and talked to them to see what they wanted. They want {$900.00} by XX/XX/2020 that I don't have! I told them I am on 'Stay Home Orders ', don't get paid, and I work only XXXX at a XXXX  which is Non-essential business. The young man was talking fast and pounding me to say I would pay them {$900.00} that he gave me a XXXX XXXX! I asked him to lower my interest rate, make my monthly payment small, told him I want to pay but don't have it now! I was in Panic Mode and couldn't understand him any more and I told him that. He said he would mail me my bill but nothing has changed on it. Yesterday XX/XX/2020 Discover card called me 11 times and it happened to be the day my kitty died in my arms ... 11 phone calls in one day constitutes Harassment! I need them to work with me and stop the phone calls! Send it to me in writing.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (OH)

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2020-04-30
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}