davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a credit card with Capital One that I have had for years. On Sunday XX/XX/XXXX I recieved an EMail from Capital One informing me that treir XXXX XXXX system was showing a hard inquiry into my credit. I checked my credit and found it was made by Capital One/Cabela 's. I did not apply for credit with them so I called Capital one. I was transferred four times and finally to their XXXX XXXX department where I was on hold for two hours. I hung up and imediatly called back to Capital One. After three transfers I am now waiting for the Capital One/Cabela 's fraud department and have been for thirty minutes. I have been told that there has been a problem with Cabela 's applications and that " my '' inquiry has been approved. I want this card recinded and the credit inquiry removed from my report. The only good that has come from my dealing with Capital One/Cabela 's is an operator named XXXX who has been monitoring my wait and giving updates.
Consumer complaint received 2020-11-30
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. (GA)

Experian is continuing to refuse to remove a fraudulent reporting off my credit account. Since my last complaint XXXX has removed the fraudulent reporting, but Experian isnt complying. 

XXXX Account # XXXX This account has been closed since 2016. 

There has never been a pay date or pay by due date for this account, so again, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, I have sent Experian a letter from XXXX stating the account is in good standing and is Paid In Full! 

Thirdly, ALL Credit Reporting Agencies should be reporting the same accuracies! How can 2 bureau comply, and 1 continue in fraudulent reporting? 

To continue this fraudulent reporting is a NEGLIGENT and a blatant attack on my character. Correct this HARMFUL DAMAGE by simply removing this account off my credit report. 

Much Obliged Attached is the Paid In Full Letter from XXXX
Consumer complaint received 2017-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SC)

XXXX XXXX XXXX is stalking me and has began a harassment campaign. This company is misrepresenting the purpose of the call and disclosing personal information to people I barely know. The have failed to send any correspondence in the mail with a detailed discription of debt in question. This is a total violation of my rights.
Consumer complaint received 2022-11-17
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. (NJ)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Consumer complaint received 2020-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I have now attempted twice to do my yearly recertification for the PSLF program. They didn't even read the corrected form I sent them. Their excuse for denying the qualifying payments : MISSING INFORMATION : Your employer certified the dates of employment that were entered in Section 3 of the ECF. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies the correct dates. 

This is INCORRECT. The form clearly states that I started working at my current employer on XX/XX/19 and am STILL EMPLOYED ( box checked ). I have attached their letter and the corrected PSLF form I submitted to Fed Loan Servicing. I've gotten nothing but the run around from this servicer as they continue to try to deny qualified requests for PSLF program.
Consumer complaint received 2017-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (IL)

I have a third party debt collector who froze my savings account and my daughters XXXX school account when the only money I receive is XXXX and child support. My bank told me that since I transferred the money from checking to these accounts it is no longer protected. I feel this is a violation of my rights and money. Also, the creditor did not send me certified mail and directly just froze my accounts. They never showed me proof of the debt as well. I am suffering without my funds. Please help
Consumer complaint received 2020-11-30
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. (DC)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2021-10-19
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: Lendmark Financial Services (NM)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2020-09-01
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: M&T BANK CORPORATION (NJ)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-11-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (CA)

I just received another bill from XXXX XXXX XXXX represented this time by Transworld Systems Inc. ( just change debt collection agency ) For the amount {$23000.00}. Account number XXXX ( SLMSA ) (, and account # XXXX ) this is my social security number.In addition they send my information including my Social Security #, in a plane envelope, while the the contents could be anywhere compromising my identity.Again, It has been 13 years this loan is from XXXX. California Statue of Limitations is 4 years. ( Cal.Civ.Pro.Code 312 te seq ). I file Bankruptcy in XXXX, and this account from XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report and I don't have any XXXX XXXX XXXX. 
This is now became harass, two different collection agencies send me bills.
Consumer complaint received 2020-06-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I was contacted by the dealership that I purchased my car thru stating that I was two payments behind on my loan. I am two payments behind due to covid. Apparently credit acceptance in XXXX Michigan is telling my financial business to a dealership that has already been paid for a vehicle and has no business knowing about my personal business
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I contacted Experian because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an Experian customer service representative, I was altered that someone had opened a XXXX XXXX /XXXX account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to Experian on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted Experian and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted Experian as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX XXXX. I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the Experian customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.
Consumer complaint received 2020-11-30
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. (GA)

I have disputed items on my credit report with XXXX, Trans Union and XXXX on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

Trans Union and XXXX have not investigated or responded
Consumer complaint received 2017-12-13
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. (TX)

Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.
Consumer complaint received 2022-08-09
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXXXXXX XXXX XXXXXXXX HARD INQUIRY XXXX XXXX  HARD INQUIRY XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AR)

This is for credit acceptance account # XXXX # # #. So this was a repo. But they have tried to sue me fo the balance.as Im paying x amount they only were showing half what I paid now they re not showing any. This is an inaccuracy. Transition is saying my balance is ( XXXX ) the other 2 say there is a balance this is an inaccurate reporting.XXXX XXXX is not reporting a good or ok status at all this is an inaccurate reporting. XXXX is saying last reporting dat was XX/XX/XXXX as they are still saying late but good or ok this is an inaccurate reporting.XXXX  says that there is 27 late payments when they have reporting no data but hav1 ok or good mark. This entire account is all jacked up and needs from be removed this a joint account this was removed from my wifes account this needs to be removed from mine as well due to the violations of the fcra a lot of the rules are broken and this has severly damaged my credit pleaser remove from all 3 agencies
Consumer complaint received 2020-09-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paypal Holdings, Inc (TN)

On

XX/XX/XXXX, XXXX/PYP add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  ( The report does not include information about the creditor. ) and XXXX. On XX/XX/XXXXXXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  on, XXXX ( The report does not include information about the creditor. ) and XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-11-11
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. (NC)

On approximately XX/XX/2019 I sent Equifax a certified letter asking them to send me verification and method of verification of 3 negative accounts that they refuses to remove from my credit history. They send me a letter on XX/XX/2019 stated they received my request but was unable to locate my files. Just continue to give me the run around as if it's a game. This have been ongoing for serval months. They have sent me mail. But now they pretends not to be able to locate my files.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I sent money using the Western Union mobile app on XX/XX/XXXX for {$460.00} and the tracking number was XXXX. I was assured by the legal disclaimer provided post transfer that the money would reach the recipients account on XX/XX/XXXX. This however never occurred and then on XX/XX/XXXX I requested a cancellation of this transaction as was my right per Western Union policies and I was given notice that my funds would be redeposited into my account within 7 business days. That time came and went and I reached out to Western Union via phone to lodge an escalation and they alluded to this being routine and assigned me a case number XXXX and assured me theyd follow up within 48 hours. Well as you can expect, 48 hours came and went and no one contacted me so I reached out again and this time I had 3 customer service agents hang up the phone on me and by the time the 4th one picked up my call she said that one of the past agents had my case open and shell be unable to help me for 20 minutes. Firstly, I work at a bank and that policy is absurd. Its now been about 3 full weeks since cancellation and I still have NO information on my money. I believe western Union is floating my funds in an illegal attempt to profit off of the different via transfer pricing which is without my consent and illegal. I want my money back, yet now Im stuck with inept customer service agents working for a backwards company with no idea what the words customer service means. Once I receive whats owed to me I will never use Western Union again and I will be notifying my employer of this issue to prevent any future partnership or vendor relations. Also I will be submitting a copy of this letter to the XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2020-11-30
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. (DC)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE ACCOUNTS THAT ARE NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED