davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 2023-03-29
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. (OH)

On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you have 30 days to complete your investigation.

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Soc # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX communications ) Account Number : XXXX Account Name : Online Information ( XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My XXXX credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. 

This is being reported on my my Capitol one Cabela 's account as well as my Capitol One Walmart Account
Consumer complaint received 2022-06-08
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. (MD)

Today XX/XX/2022 I noticed on my Transunion credit report a hard inquiry for a business called XXXX XXXX which I didn't do any business with. I contacted Transunion to dispute for a likely identify theft issues as I had my wallet stolen back in XXXX XXXX and I am monitoring my reports on a bi weekly basis since that time. After verifying my information with the automated service I then had to do it with the support agent. I got informed I now have to send in documentation to verify myself before any type of assistance will be done. Why do I need to do this if I already did on two separate instances?
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We are unable to access money that is ours and have spent hours on the phone trying to resolve this. It is unacceptable that it has taken this much time and effort. The fraudulent flag is still on our account and we are unable to transfer funds or cancel it, even after being told by the CEOs office that they would resolve the problem. 
The last straw occurred today when I was told by XXXX in the CEOs Office that XXXX would call me back and that never happened. 

I am filing a formal complaint with the Consumer Financial Protection Bureau. I would like the following to occur : 1. Cancel the checking account and immediately provide us wiht a check for the account total of {$850.00}. 
2. The XXXX credit card was cancelled on XX/XX/22. However, since then an interest charge of {$15.00} has appeared. This interest is on fraudulent activity that was resolved AND occurred after the account was closed so I would like this zeroed out. 

BRIEF BACKGROUND : There was multiple fraud activity on XXXX  of our USAA accounts starting on XX/XX/22. I have detailed records and notes of all my conversations with USAA attempting to resolve this throughout XXXX. I repeatedly had to call back, speak to multiple people, and spend hours trying to get this corrected. One of the accounts remained incorrect until late XXXX the account showed {$2300.00} more than it should have. I repeatedly told USAA of the error. I didnt want to receive more money than we should. 

Finally on XX/XX/XXXX, I successfully escalated and spoke to XXXX in the CEOs office and was assured this would be resolved within a few days and someone would call me back. I spoke to XXXX and then was able to successfully close one account and the credit card that was involved in the fraud. However, one checking account STILL had an incorrect amount to our favor of {$2300.00}. She assured me that would be resolved by XX/XX/22 and someone would call me. No one did. 

The account was finally corrected on XX/XX/XXXX, as verified online. So I called USAA again on XX/XX/22. After a long time holding, I finally spoke to someone, was transferred multiple times, then finally hung up on or disconnected. I called again on XX/XX/22 and an agent transferred me to the fraud department who said they removed the fraud flag, then they transferred us to another agent who could cancel the account and provide us with our money. Then we were told repeatedly the flag wasnt removed and got transferred around again, not even to the right departments. 

I am now escalating to all involved and regulatory agencies to get this resolved. It should not be this difficult to resolve fraudulent activity and obtain access to money that is mine. I have notes XXXX pages long, have made probably 20+ calls, and have spent at least 20 hours trying to contact USAA and resolve this. I have always had the utmost respect for this company, however I will now never bank with USAA again.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (TX)

We are a small new business in the service industry that opened in XX/XX/2022. We signed up through our bank with Merchant services to obtain a Credit Card reader under the Clover name. We were told that at times funds could be held during the first 3 months until we got proper history built. In the beginning we received a few emails stating funds were on hold and was asked for additional information before the funds would be released. These notices were sent via email to my address. On XX/XX/XXXX we noticed that we had not received any funds to our account and inquired to our support person at XXXX  XXXX XXXX. They said they would look into it for us. Time went by and still nothing was released until XX/XX/XXXX, and it was only a few hundred dollars, and not the thousands of dollars we were anticipating. We have been fighting with Merchant services and the clover support group and they are finally starting to release our newer funds here in the last 24 hours. It has been brought to our attention that they have held over $ XXXX of our funds for no reason and with no form of communication. Clover has been almost impossible to assist and has not given us any reason as to why the funds were held. This money is used to operate and support my business and staff. I have been taken advantage of and feel as if someone needs to reimburse me for all interest that money would have brought. This is Fraud!!!
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MN)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (WA)

Company was paid half upfront but never completed work that was agreed to. I'd like a refund for my deposit of the {$600.00} paid for nothing. The agreement was to evaluate and provide requirement for a wall that was XXXX tall. Instead they provide concurrence that existing wall at XXXX ' was acceptable. Multiple contacts with company said they would correct mistake but I the end all they did was ask for funds. Complete loss of funds and had to deconstruct wall in the end.
Consumer complaint received 2022-11-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AR)

I have disputed this same issue in XX/XX/2022. XXXX College continues to send {$1000.00} as a collection on my credit report through different third party collection agencies. The first collection agency I disputed this with sent no proof and harassed me over the phone that I owed {$1000.00} to them. I filed a complaint and they deleted the collection. I now have the same collection on my credit report from a different agency called Ability Recovery Services. I called in XXXX and still have not received any proof from this collection agency about the {$1000.00}. I researched Ability Recovery Services and they are not even licensed to collect debts in the state of Arkansas, so why are they harassing me? I want this taken off my credit report and I want it to stay off.
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX ( Finance ) - XX/XX/2021 XXXX XXXX XXXX ( Finance ) XXXX XX/XX/2021 XXXX XXXX XXXX ( Auto XXXX XXXX XX/XX/2021 -XXXX XXXX- XX/XX/2021 -XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX ( Finance ) - XX/XX/2021 XXXX
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting agencies such as, XXXX, XXXX, Cheksystems. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX, has violated my rights. 

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 an account without my written instruction.
Consumer complaint received 2022-06-07
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)

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 Account # 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-06-07
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. (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 Account # 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 2022-06-08
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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
Consumer complaint received 2022-06-08
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-07
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)

In Accordance With The Fair Credit Reporting Act XXXX Account # XXXX 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 2022-06-08
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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-03-28
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.