davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This letter is in reference to the account listed on my credit report by XXXX. XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the XXXX XXXX XXXX  and the Attorney Generals office, should you continue reporting this erroneous item. And if necessary I will pursue civil litigation.
Consumer complaint received 2019-03-19
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. (FL)

Could not purchase vehicle due to erroneous credit file freeze by XXXX XXXX XXXX reporting XXXX via Trans Union and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In XXXX, I went XXXX and owed this company, which was discharged. The amount was XXXX, but they continue to add interest charges, until I went bankrupt, by then it was up to over XXXX. So could not use the credit card, which was closed. In XXXX, I married and have a different last name. This company sent me a new card with my new last name, different account. My husband was laid off work, which we had trouble paying our bills and I called and told them this. This company sold both my accounts ( the one discharged and the one under my current name to a debt collector. I paid the one in my current name with nothing owe. However, the debt collector is still sending me letters and reporting to credit unions, even though it was discharged in XXXX. They stated I open the card up in my old name in XXXX! The company would not let me do that! Help me!
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022 I have had several account removed from my credit report and my credit score has not gone up. Please update my score as soon as possible.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureau Transunion is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/ as well as a follow up letter on XX/XX/ to remove negative and inaccurate items on my credit report and i still have not received a response.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

in 2017 on my report but they remove it as identity theft or fraud i been on phone with capital one but they dont care about identity theft or fraud i want they to fix i already file a fairshake law
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I received a notice form XXXX credit Bureau that they finished my investigation on the Capital One account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against XXXX as well as Capital One because I have been denied loans because of this incorrect information.
Consumer complaint received 2021-02-11
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. (CA)

Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?
Consumer complaint received 2020-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have paid off all of my loans with Navient as of XXXX of this year. 

I previously used direct withdrawal from my checking account to pay my loans. 

After I paid off my loans and received my " Congratulations! '' statements, with XXXX ( XXXX! ) balance, I still am having the same amount withdrawn from my bank account. 

I called Navient for resolution, and they directed me to use the email interface from my login. 

However, I can't use that interface, because my accounts don't exist anymore. So I had to fight to have my complaint escalated. 

It was finally escalated ( in XXXX ), and the man I spoke to asked me to email him documentation that I was being charged. ( They couldn't look it up, because I have no account, because my accounts are closed, because they are paid off ). So I emailed him my documentation that shows " NAVIENT '' on my bank statements, taking out the same amount monthly. 

I never received a response. 

I wrote again, and no response. 

I wrote to the consumer advocate again in XXXX of this year, and here we are. 

I have now had 6 extra months of student loan payments withdrawn from my bank account. I can't stop the payment, it's a withdrawal from their end. During a pandemic they are continuing to pull money from me when I have dutifully paid my balance. Please help.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX and equifax are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-Equifax indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I issued a certified letter to Experian on XX/XX/2018 disputing a bankruptcy that is incorrect on my credit report. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have received no response in regards to this dispute
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX Account numberXXXX XXXX. Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NJ)

Hi, I live in New jersey and 2 months ago, someone from an other state had access to my robinhood account and create debit card and transfer money, I have reported while process was happinning, it took a month them to fix problem and meanwhile I wasnt able to withdraw money or trade, now they put stolen money back but, I want to withdraw and get rid of this robinhood but they dont let me do and since 2 weeks even I sent them more than 10 e-mails they do not respond, I need my money because of family reason and this people doesnt care I would love to report them with all prove
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

My purse was stolen on XXXX at XXXX with my checkbook. ( police report filed ) I called US bank around XXXX and the rep. helped me close checking account. She also had me list upcoming ACH debits. I listed XXXX 's {$190.00} expected on XX/XX/XXXX. She said US Bank would process that payment. Unfortunately, on XX/XX/XXXX I received an email from XXXX, the account was past due- the payment was returned by US Bank XXXX If I had known the info., given to me by a US Bank rep., on the phone on XXXX was incorrect I would have made an alternate payment arrangement for my XXXX card. This return payment resulted in a {$29.00} return fee & {$1.00} interest = {$30.00} on my account. I paid the past due immediately on XX/XX/XXXX and disputed the fees with rep & then a manager ; he refused to reverse. He said it was US Bank 's responsibility to credit my account for {$30.00}. I then called US Bank and and explained XXXX 's position. The US Bank rep said they would send a letter to XXXX explaining their position and request reversal of fee. It was not US Banks responsibility to pay XXXX 's return fee. I have not received a letter, so I called US Bank again today XXXX and they said once I receive the letter I should present it to XXXX  They would not credit my account for {$30.00}. 
I have been a valued customer for both multi billion dollar Corporations for over 30 years, but XXXX XXXX US Bank state they will not reimburse me for fees charged of {$30.00} through reversal by XXXX XXXXr a courtesy credit by US Bank. I'm a fraud victim and did everything correctly. Please advise. Regards, XXXX XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I got 4 emails from Bank of America back to back claiming to have a new savings account opened in my name. And I tried calling them but I don't have a current account so I can't get through to them because it keeps asking me for my bank info. I'm still trying to find out how to contact them to fix this worried someone opened something in my name. This happened on XX/XX/XXXX at around XXXX XXXX
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (FL)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (MO)

On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.
Consumer complaint received 2022-10-15
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. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-19
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-27
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: Experian Information Solutions Inc. (NC)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-28
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.