davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Credit card company, Capital One , Inc. allowed its partner, XXXX XXXX XXXX XXXX to steal {$2400.00} from my credit card and {$2100.00} from my adult daughter 's credit card, on separate occasions.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On Thursday, XX/XX/2022, I received an alert regarding my credit cards being over the limit. I have paid my credit card for the month of XXXX and I was not over the limit. Only when Capital One placed the interest charges on my credit cards that my cards went over the limit. I tried to speak with a supervisor her name was XXXX ID # XXXX. As always the supervisors are rude as ever! There was no resolve for the problem by contacting the company as usual! I am not saying that I am not responsible for the interest charges but I did not make my credit card go over the limit. I should not have my credit score lowered because they put the interest on the card that makes it go over the limit. My score went down XXXX points! 

I know that I am not the only person having issues with Capital One Card services. I wish that CFPB, The Federal Government, and The United States Treasury would do something about this company! They are horrible!
Consumer complaint received 2021-09-17
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: Experian Information Solutions Inc. (IL)

On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an Auto Zone Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.
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 — Account status incorrect
Company: Nelnet, Inc. (CA)

- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous calls, all reroute to service teams overseas, NO one can fix access to my information on their system : XXXX XXXX XXXX 

I can not request my free credit report, I can not Freeze or Unfreeze my file, I can not do anything in their portal! 

I have to firmly inform them of the liability of not allowing me to access my information. I was transferred to the escalation team manager, who in a very few minutes, identified my account was linked to 2 addresses, mine and my son, thus not allowing for access. 

The manager told me this was a Transunion mistake and once she removed my son 's address ALL went back to work ... hours of being bounced in the phone. TERRIBLE, INJUST and...
Consumer complaint received 2021-09-17
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)

Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint.This document has also been sent Certified mail to this organizations offices.
Consumer complaint received 2020-11-05
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)

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize
Consumer complaint received 2024-02-26
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. (MD)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) 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 2020-12-03
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: Experian Information Solutions Inc. (SC)

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-05
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. (TX)

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry  from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (TX)

I noticed 2 unauthorized inquiries on my credit report by done by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, I then contacted Equifax via mail on XX/XX/XXXX and disputing the two inquires, i asked them to investigate and remove this, I did not apply for anything with XXXX XXXX XXXX, someone else applied for something in my name. 
Equifax sent me a notice back stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I contacted XXXX XXXX on XX/XX/XXXX, they told me to dispute the inquires through Equifax and they will remove them. 

Therefore I filed another dispute online on XX/XX/XXXX and XX/XX/XXXX disputing the same two inquiries from XXXX XXXX XXXX  and once again I received a response stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I called Equifax at XXXX on XX/XX/XXXX and spoke to a XXXX at XXXX CST about the inquiry disputes, he refuse to put them in investigation, XXXX stated that " that inquiries CAN NOT be disputed and CAN NOT be removed. I told him that per the Fair Credit Reporting Act all Unauthorized transactions must be investigated and removed. He refuse to assist, I then asked to speak to a supervisor, XXXX stated that his supervisor does not have the authority either then he place me on hold for 40 mins and then disconnected the call.
Consumer complaint received 2020-12-03
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. (SC)

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. 

I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. 

The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. 

The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. 

Please register my complaint and contact me. 


Thank you,
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Re : Letter to Remove Inaccurate Credit Information/ Late Payments To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { Fifth Third Bank, NA XXXX Late Payment 30/60 days } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Dates to be investigated : XXXX XXXX, XXXX XXXX, XXXX + Reason= The creditor advised I did not make my first payment on time. However, I was advised the payment was received. I asked the creditor for a letter in reference and I've been told multiple times the letter would be sent. Multiple calls were made ; I was advised the representative does not have access to the portal and was unable to send a letter. This has caused a " domino affect '' on my credit report in regards to accurate payment history being reported on my credit report. 

Thank you for your XXXX and help in this matter.
Consumer complaint received 2021-10-25
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

Comenity bank is showing me 30 days late, however, I paid my card off in full. I got a bill from them more than a month later showing me late for {$14.00} and a late charge. I called them to find out how I could be late when I had paid my account off. They told me that I was charged a finance fee AFTER I had paid my account off. I had no knowledge of this fee so could not possibly pay it within 30 days. The person I spoke with reversed all of the charges and fees at which time I closed my account. I do not want to be in business with shady dealings such as charging fees after an account is paid off.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (NJ)

I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (CA)

IC System, a collections agency, has continued to contact me despite the fact that I am not past due on any debt assigned to them. I was incorrectly refered me to them about installment debt that was paid. I have informed IC System of this and demanded that they cease and desist all communications regarding this matter.
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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681.

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 Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed
Consumer complaint received 2021-09-17
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. (KY)

My consumer rights pursuant to the Fair Credit Reporting Act are being violated. I have inaccurate/fraudulent accounts appearing on my consumer file/credit report. I have sent several letters disputing the fraudulent accounts and filed a complaint with the Federal Trade Comission. I am requesting that these accounts be removed immediately. I need help enforcing my consumer rights. The violations are : 1 ) 15 usc 1681 ( a ) ( 4 ) - Accuracy And Fairness Of Credit Reporting I have a right to privacy. No company or person can tell me what is private to me. My right to privacy is being violated with these fraudulent accounts appearing on my credit file. 

2 ) 15 usc 1681b ( a ) ( 2 ) Permissible Purpose Of Consumer Reports I did not give written permission to report these fraudulent accounts on my behalf. There is no permissible purpose to report these fraudulent accounts. 

3 ) 15 usc 1681a- ( e ) Congress says when an investigation is conducted you must speak to my neighbors, friends, or associates. If you did speak with them congress say the information provided can not be factual! These fraudulent accounts can not be verified. I am the only one that can validate accounts on my behalf. They must be removed immediately! 
I have attached my drivers license and utility bill to verify my identity and residence.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

We want to direct your attention to a letter addressed to : XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD.XXXX Notes : Whom have filed a false claim on my credit report and have failed to provide evidence to what happened with a {$2000.00} deposit submitted in confidence since XX/XX/2012??? Falsely claiming I owe {$2400.00}, without an accounting of the deposit, this is a false claim currently driving my FICO score into the ground preventing me from attaining a VA home loan and funding for my businesses! They have " NO '' claim, we demand this claim be removed from my credit report and can be verified by my attorney " See contact info for my attorney '' below! 

Our Litigation Attorney Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca.XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-10-25
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. (NY)

I have contacted XXXX XX/XX/2021 Via certified mail with return receipt for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.
Consumer complaint received 2021-09-17
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-10-25
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (IA)

I sent a letter to Ability Recovery in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.