davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

I have fully paid off this account with XXXX on XX/XX/2022 for the amount of {$340.00} My hood is to now have this fully removed from my credit report because its has been reflecting me in a terrible way. Its been reporting as C/O for charge off for a long time and Im looking for a new start at building my credit. I have a letter from XXXX stating that the account is paid in full
Consumer complaint received 2022-10-07
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: Heritage Financial Group, Inc. (IL)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-01-27
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-07
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: Global Lending Services LLC (IL)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything
Consumer complaint received 2021-07-16
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. (WI)

I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and TransUnion are fraudulent on my accounts : XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, a charge, ( {$27.00} ), was posted on my XXXX credit card statement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), that the merchant, ( Experian* XXXX XXXX XXXX CA ), charged, without informing me, that there would a fee for obtaining an on-line credit report. ( Had the merchant informed me that a charge would apply, I would have declined the Report. ) Instead, Experian randomly picked one of my credit cards, ( noted above ), and posted this unauthorized charge to my card acct. I was totally surprised to find this charge on my monthly bill. Merchant, 'Experian ', failed to disclose that a charge would apply upon their showing the on-line Report to me. ( And, in addition, it was my understanding that one can receive one free credit report per year from any one of the three credit agencies. I have never requested a Report in the past. ) So, I was totally dumbfounded upon finding this charge on my Statement. 

I disputed the charge with the merchant. Experian said the charge was proper. 

So, I proceeded to file a dispute with the above mentioned credit card company and, as a result, they closed the XXXX XXXX XXXXXXXX and reversed the charge in early XXXX. The card company then issued a new ( replacement ) Card acct XXXX showing the reversal. Afterwards, on XXXX, the on-line new credit card acct showed that the charge had been RE-POSTED! So the {$27.00} is now back on my charge acct. ( Experian said that if I had a problem with their decision to contact 'consumerfinance.gov ' to continue the dispute, which is exactly what I am doing here. ) This merchant seems to think that they can get away with their deceptive business practices by not disclosing to the consumer any up-front charges would apply for providing an on-line Report. Nothing, whatsoever, was disclosed regarding any charges. I consider this credit agency a scam operation and, of all things, a CREDIT REPORTING AGENCY conducting schemes such as this. Seems to be The American Way these days. 

What can 'consumer finance.gov ' do to reverse this inappropriate unauthorized charge? Else, give me advice on how to proceed from here. Seems I'm, otherwise, all out of options. 

respond to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC. (TX)

Trading App Robinhood. 

I believe that my transfer amounts were not correctly reported. 

I know definitely that I have 2000 in transfers not being recorded. 

I have XXXX and I am sure that between that account information and what Robinhoodbis showing there seems to be multiple discrepancies. 

I would like to have my accounts investigated if possible. 

I also will include ... although a separate issue all together that they are also on numerous occasions listing fraudulent information and preventing purchase and selling price at it's market rate. 

I will hope our government would not allow or condone practices which disguise thievery as investment opportunity.
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filling a complaint against Capital One Bank. They are in violation of the Fair Debt Collection Practice Act section 807-8. They have no competent evidence bearing my signature showing I am obligated to pay debt in the amount of XXXX which they are reporting to the credit bureaus I owe to their company. 
In addition they are in violation of the Fair Credit Reporting Act section 623-b for defamation, negligent enablement of identity fraud violation by claiming I am responsible for a debt in which in XXXX  they approved an online credit card account which had not been used in years however in XXXX they sent me a letter stating some fraudulent charges were placed on the credit card account. They had credited back to my account the fraudulent charges made and would be mailing me out another card the card ending in XXXXThe card ending in XXXX is a card I never received. Therefore I am disputing charges placed on this card and the original card as invalid and not belonging to me. 
In addition they are attempting to collect money from funds which are exempt from collection,
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I do not have enough confidence in EXPERIAN to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to acquire my file disclosure so I can insure the accuracy of my file.
Consumer complaint received 2021-04-14
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. (KY)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2023-01-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I don't understand how i can be charged atm fees or not be reimbursed the fees when i withdraw money. There is no Bank of America anywhere close to me. I dont see how its fair that i lose $ XXXX {$5.00} every time I need to withdraw money
Consumer complaint received 2017-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.
Consumer complaint received 2022-04-05
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I paid this company off they would not give me a pay off amount so I had to pay more than what was due they told I over paid and I would be getting a refund of {$290.00} but I would have to wait 30 days for the check to clear and the would ACH the refund back into my account that did not happen now they are saying that they are having issues with that process and will be mailing me a check and I will need to wait 7 to 10 days more so now they are hold my money for 45 days and not paying me anything for the use of my money
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kohn Law Firm S.C. (IL)

I received the debt collector letter by mail from Kohn Law Firm, SC on XX/XX/2022 or XX/XX/2022. We have not had the chance to reach out to them to square this away, when my landlord informed me one of the attorneys in this firm reached out to him asking to confirm if I lived at my address. They requested confidential and personal information from someone other than myself. This is illegal in the state of XXXX, and I am reporting them. I will reach out to square away this issue with the debt, but they should be reprimanded for reaching out to my landlord. I am in good standing with him, and this SERIOUSLY disturbs that good standing!
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im trying desperately to fix my credit score. Im a homeless veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and trans union, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (AZ)

So I purchased my car XX/XX/XXXX and the interest is so high I have barely made a dent in the principle loan amount. My car was repossessed in XXXX and I had to take a loan to get it back. And I have since and still have been struggling to make payments. Currently I am behind due to the pandemic and I believe I should qualify for the Santander settlement for relief however I was told I did not. Santander is effecting to harshly financially and I think I should never have been approved for the loan based on my credit at the time and already having a defaulted car loan.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX claimed bankruptcy and went out of business in XX/XX/XXXX. I was laid off my job in XX/XX/XXXX and my husband is XXXX on social security in XX/XX/XXXX. We have been evicted from our home on XXXX XXXX XXXX XXXX, CA, XX/XX/XXXX. After being homeless we moved to XXXX, CA in XX/XX/XXXX. My husbands health continued to decline and died on XX/XX/XXXX. This company has no right to continue to collect a debt that has already been written off my credit. I never owed them any money.
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Hi How are you doing? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus on this Federal Student Loan Nelnet. I've attempted several times to ratify the issue with student loan dept and credit bureaus and they still reporting inaccurate, unverifiable information. The balance is extremely questionable, and how ows it possible that youve reported me 90 days late with no late payments prior to that? Was the student loan servicer sued for not applying payments to consumer 's accounts correctly and i was never late nd this account is reporting incorrect and inconsistent. Each bureau reports that I was late on a different date remove for inaccuracy.
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

As of XXXX 2017 I started getting calls from a " debt collector '' called XXXX XXXX XXXX XXXX. I looked them up and saw repeated reviews of them being a scam and being very abusive. Since XX/XX/XXXX I must have blocked about 10 phone numbers because they would call me over 10 times a day. I got another phone with a new number. I can still check my old phone messages and still see that they are continuing to harass me. They are not my original creditor. My original creditor said they could not work with me on my monthly payments which would be over {$650.00} a month. I am stuck. After taxes, rent, healthcare, chip support, and utility bills I only have {$10.00} to live on while supporting my wife and XXXX XXXX. This XXXX XXXX XXXX is being abusive and like stalkers. They have sent me a letter threatening to sue me and garnish up to 15 % of my wages. I do n't know if they are legit and I do n't want to give them any info whatsoever until I know and from what I have found out they are scammers.