davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (IL)

Dear Transunion, I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package, FTC Number is XXXX. 
I became a victim of Identity theft, I have obtained my credit report from one of websites that offering free credit report and after carefully researching I realized that some person or persons or maybe organization have tried to applied for credit cards or loans on my behalf. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these unauthorized hard inquires : XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!
Consumer complaint received 2018-07-28
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: CHECK INTO CASH INC. (CA)

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and CHECK INTO CASH. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Consumer complaint received 2021-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

I was charged by XXXX XXXX apartments XXXX for a floor that i did not damage. It was in violation of our rental agreement for them to send the debt to collections with out doing a final walk through or advising me that they where pursuing the debt. Despite me disputing the account with the collection agency and the credit bureau their has not been an investigation. XXXX XXXX apartments can not provide anything to prove the debt only that i lived their.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

PayPal - negative {$2100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$2100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a credit card fraud case where my Bank of America debit card was stolen from my bedroom. The debit card was used online for purchases and also at ATM 's to withdraw money. The first transaction occurred XX/XX/XXXX at XXXX XXXX XXXX XXXX and the last transaction was on an online purchase on XX/XX/XXXX. The total amount lost was a little more than {$6000.00}. 

My claim was denied a couple of weeks later. The bank claimed that I must of given my information out for someone to be in possession of my card and pin number. I then did my own investigation and discovered that someone stole my banking information and was logging into my bank account and changed my phone number on the account. The bank claimed that they had blocked the card because of suspecious activity and that someone called to unblock the card. I then told them to go back and listen to the audio so they can see that the person that was claiming to be me was not in fact me. I was then told that it had to be me because I was logging in to the account. I then told them that I've never even created an online account and that they should check the IP address to see that it was not my IP address login into the bank 's website. I was then told that I must have made the ATM withdrawals because my pin was used. I then told them that it was not me and that they can obtain the ATM footage to see that it was not in fact me. I was then told that I need to go obtain that footage and send it to Bank of America. I then told them that it would be impossible for me to obtain that footage because I am not law enforcement. 

I've filed a police report with the XXXX XXXX. Police department in XXXX NJ a week after the incident occurred. 

My claim has been denied twice, BOA claim that there were no issues with my account and that I authorized the transactions.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2018-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

My loan is in the process of transferring from XXXX to Navient. Navient does not have my information, and I am unable to make a payment - yet, they will continue to charge interest. I have spoken with three customer service individuals over the last two days and been told inconsistent information as to the time-frame of when I will be able to make a payment, ranging from 2-3 days to 30-60 days.

XX/XX/XXXX - Student loan was transferred out of XXXX and this was the last date that interest accrued XX/XX/XXXX - Call to Navient. The customer service rep and his supervisor both stated I may not make a payment until I receive a " welcome '' letter. 
XX/XX/XXXX - Call to Navient. Customer service rep stated I may not make a payment.

XX/XX/XXXX - Call to XXXX XXXX XXXX XXXX XXXX, Office of Consumer Advocacy. They provide assistance to consumers related to loans serviced by them, which is XXXX. However, loan left XXXX and interest stopped accruing with XXXX on XX/XX/XXXX.
Consumer complaint received 2023-04-07
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

A wrongful foreclosure and I was denied the opportunity of discovery and that is in direct violation of my constitutionally secured rights to due process of law which is a direct violation of your oath of office. 
My credit has been impaired and they have threatened me with the imminent loss of my property despite the fact that I have made all payments in accordance with the loan agreement. 
The mortgage company Failure to give proper notice due to a one-digit wrong social security number that was done at the closing. 
Miscommunication between the lender and me about the social security number then the lender stop processing my payments and stated sending the payment back to me. 
I am a senior with XXXX  XXXX and the mortgage company stole {$55000.00} from me which was an insurance hurricane claim check for the roof and other repairs so I feel that irreparable harm has been done to me.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (WA)

I would like a detailed receipt on the bill that that claims I owe ( x ) amount. I do not believe the bill I have received is the correct amount due. Due to the fact I did not receive a bill till months later,
Consumer complaint received 2018-10-04
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. (IL)

I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My oldest capital one credit card since XXXX was close the exact few months, XXXX, XXXX and XXXX of XXXX. The months of the shutdown. Ive called right after to tell them about the situation that the entire county was already familiar with at the time and Ive gotten no where or no response at all. One rep told me since the shutdown and whatnot was happening they can just remove the account. They never did. It was just a simple card with a {$750.00} limit. My very first and oldest card. All I would like is for the card to be re-opened with age and on time history, which now may be way to late, or the account totally removed.
Consumer complaint received 2018-03-07
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: Experian Information Solutions Inc. (CA)

Disputed an item on my credit report that is clearly a medical collection account. Account type is listed as a collection account rather than medical ( COL 48 vs Med 90 ). Experian unwilling to change account type to accurately reflect the account type. Also, Experian did not add a 180-day grace period to resolve the medical debt before it appears as a past due amount on my credit report per the new law passed on XX/XX/2017.
Consumer complaint received 2021-10-31
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. (NJ)

XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.
Consumer complaint received 2021-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

While my loans were serviced by Navient, I decided to consolidate my loans as I was already working for a government agency. The consolidation of the loans included a XXXX XXXX XXXX and Navient failed to educate and provide information regarding the negative effects of the consolidation including the XXXX. Currently, 20 % of my income is used to calculate my repayments. I will like to separate the XXXX XXXX XXXX from the consolidation loan so I can qualify for all the repayments programs available and lower my payments. This is what Navient intentionally failed to warn me about. Please advice.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NV)

Lessington law is advertising up a situation where you don't have to pay your bills for as long as the colvig 19 is in affect I have tried to go through that process and I'm not getting any response at all I have called every day for 3 weeks to get this product and nothing has happened so I'm disputing that issue right now to upper management and alter the paralegals and the car to repair attorneys.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07
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. (NE)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-31
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: R & B Corporation of Virginia (VA)

On XX/XX/XXXX received a debt of payment notice from credit control corporation. This bill stemmed from my recently submitted complaint from XXXX XXXX. I just submitted a consumer report to XXXX. I work with XXXX hospital and I had a medical bill. XXXX harassed me the whole time I was paying an active account that was never never not paid on time. This company harassed me for several months and currently the medical bill was paid. That is why the first complaint has been submitted. This company needs to stop all interventions to collect a debt that does not exist. I want my credit consumer report fixed immediately or there will be another complaint against them. This company needs to take the business time to ensure of what kind of debt they're trying to collect before pursuing it. Both companies need to go back to business basics 101.