davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (VA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

UWM kept removing my auto payment and fined me with late payment penalties. I wasn't aware of the reason. I kept setting up the auto payment and thought I was OK. Until this week the customer service told me that my auto payment was removed due to loan account name mismatch with my auto payment bank account name. Now I know the reason and have this problem fixed. But I feel that this late fee {$90.00} should be waived because they kept customers in the dark. They should have told me the reason earlier. The loan number is Loan Number : XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I agreed to add XXXX XXXX to my Capital One Card and assuming all responsibility knowing that It had a credit limit of XXXX imposed on the card. I knew that as my fiduciary Capital one would not let any charges over this amount XXXX XXXX used the card to rent from XXXX and they imposed a XXXX deposit XXXX XXXX rented the car, signed for the rental, filled out the paperwork and gave all required information assuming responsibility for the car After seeing how the card was used, I took XXXX XXXX off the card and Capital One helped me change the account numbers so no other charges could be applied. This was before the back charge of XXXX was applied Obviously XXXX XXXX did not return the car as agreed and XXXX then imposed a XXXX charge several weeks later I contacted Capita one and disputed the charge due to it was XXXX over my limit and XXXX no longer had access. The account number they had were no longer valid, they had to be provided by capita one, ( which is illegal ). 

Capital one provided them with the new account number without my approval and a XXXX charge was installed on my account Interestingly enough, several months ago, I contacted Capital One about raising my limit and was declined. However after I disputed this charge, Capital one raised my card limit in order to handle the charge. Isn't that convenient, XXXX has the ability to raise my credit limit, but I do not.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AK)

I had a card with XXXX for ten years, never once missed a payment. XXXX took over the account in I think XXXX this year. I did not have access to any account when XXXX stopped taking my payments, and the account was transferred to XXXX. I did not receive a way to pay through " XXXX '' and all my calls were on hold for over an hour, dropped, mis-transferred ( with laughing person on line and led to a transfer that was a message to call again later ), and once I even got a message ( which i have recorded and saved ) stating they were sorry no one was available to take payment, that no negative payments would be reported to credit bureaus, and to call back again with a disconnect. I received notice from XXXX XXXX that I was reported for late payment in XXXX or XXXX, when I could not make a payment after trying so many times! I have submitted disputes to all the bureaus, and a letter back from XXXX from my goodwill request that they would not honor my request to remove the late payment reported. I had thought it was just taking them time to " transfer '' I have sent them multiple letters requesting to remove the late payment, and finally was able to get someone to take the XXXX dollar payment ( all that was due ) and closed my account with them. I was never even able to get my card activated.
Consumer complaint received 2022-04-24
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. (LA)

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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

We only have a {$3000.00} credit limit despite having a credit score of XXXX. We hit our limit and so I paid the balance of {$2800.00} on XX/XX/2022. The payment cleared my bank on XX/XX/2022. On my Capital One online account it shows that the payment was been made but they are only showing we have available credit of {$5.00}. I contacted them and was told that my full credit limit will not be released until XX/XX/2022. 

This is UNACCEPTABLE and no other credit card company does this. We were NOT delinquent in any way. We believe this is fraudulent and deceptive.
Consumer complaint received 2022-04-24
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. (GA)

company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Consumer complaint received 2022-04-25
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. (NY)

This is THIRD follow up complaint. I had a issue that was reported to the XXXX XXXX XXXX XXXX I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX  my ID is being used around the country. Please remove the following accounts and inquires : 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 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a Capital One Quicksilver Rewards credit card however when the card arrived, it did not have terms of APR anywhere in the literature. I called to ask where that part of the literature was and they could not tell me but chose instead to verbally quote me the term over the phone. When I asked why they didn't put it in writing, the representative said she didn't know. We both know how this type of agreements work, so I cancelled the card and never activated it. Shouldn't this type of information accompany a credit card so consumers have proof of the terms? In the ad where I applied for the card it said 0 % APR until XX/XX/2023 and after that it was something like XXXX % I think.
Consumer complaint received 2022-04-24
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. (PA)

XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX  accounts number XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights.

15 u.s.c 1681 section 602 a.states I have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-04-26
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. (AZ)

In accordance with the Fair Credit Reporting act 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. 
15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
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 the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-21
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: CCS Financial Services, Inc. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Credit Collection Services There is a collection on my report in the amount of {$670.00} on my credit report which needs to be removed. 

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-04-24
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. (IL)

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 XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (IL)

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 XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (LA)

Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB (MO)

This complaint is in connection with previously filed complaint ID # XXXX. 

KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ). 

On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares... 
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions. 

One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX  stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!