davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX  XXXX XXXX has confirmed with us that the account on their records is a result of identity theft and fraud, and Chexsystems has lied to us regarding their investigation. They have refused to properly investigate and remove the fraudulent item, and now we have had XXXX  XXXX XXXX open up an identity theft case for the fraudulent use of our information in regards to Chex Systems use of our account. 

We have reached out to Chex Systems on multiple occasions and they have not given us a satisfactory response, and now we are demanding they remove the account from our profile, and do a proper investigation. 

Failing to adhere too privacy laws and consumer laws, and continuing to allow access to these consumer reports even after a freeze and opting out was placed on the report.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

I was given the opportunity to respond to my previous Complaint ID XXXX, however, I missed the deadline due to XXXX situations. 

Since Chase Banks XXXX, XXXX XXXX failed to meet their deadline, I believe that its only fair to allow me to reply to, and comment on her inability and failure to stay on topic. 

Her response is a classic example of the mind set and methodology that is utilized and practiced by most manipulators in business and their personal life.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I have tried disputing charges made by a merchant under XXXX  and the bank has notified the back office that I stated they are unauthorized charges but they will not provide a temporary credit unless they dont give me a answer after the 10th business day well as withdrawals that were made from XXXX  which I did not make. I also mentioned based on another claim I made about a non chase atm that I lost my card and on top of the XXXX  charges, chase doesnt want to give me a credit for the non chase atm withdrawal and the XXXX  charges. This is over XXXX XXXX dollars! I explained I have been sick and in out of hospital so I have had no access to my account. I want my money back.
Consumer complaint received 2021-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 CAPITAL ONE XXXX  FINANCE, known as XXXX, sent several documents to the CFPB in response to my complaint. XXXX demonstrated several violations in this response. XXXX sent XXXX debt communication letters, and a retail installment contract with billing errors. These items are an violation of my consumer rights. The finance charge on this obligation was for {$10000.00}. The total sales price is {$39000.00}. According to 15 U.S. Code 1605 - Determination of finance charge ( a ) ( c ), the finance charge is the total sum of all charges and any charges against the damage or loss of vehicle must be included in this price. 

XXXX sent XXXX debt communication letters all in violation to 15 U.S. Code 1692c - Communication in connection with debt collection. 

I, XXXX XXXX, never gave XXXX any permission to report any of my accounts to the CRAs.
Consumer complaint received 2022-10-14
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. (GA)

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Consumer complaint received 2022-11-19
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. (WV)

Equifax responded to my complaint XXXX XXXX XXXX XXXX ... .. Stating that they have completed its investigation... Which is clearly a lie, Because on XX/XX/XXXX I received the letter from Equifax stating in order to verify by identity I will need to send them the following information such as a copy of my driver license and a copy of my current address ..... So explain to me how did you do a proper investigation when you can't even verify my identity from the love that you addressed so my complaint that is being filed as of today is to inform you you need to stop telling your lies and provide me with my money for my compensation... I also want to address to you that every information you respond will be used against you as evidence to prove to the course how much you are lying and stopping a XXXX man from utilizing his credit which is now putting him in discrimination which is also violating my rights under 15 USC because you can not do a proper investigation if you can not verify someone's identity stop making up your lies and if someone from the CFPB.. don't step in and can see that they telling lies for the actions will be taken against them
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/2023, I received an email stating that I had opened an account with Bank of America. Two accounts had been opened online fraudulently in my name. The email did not give any direction on how to notify the bank of fraud. I had to search their site to find out how to report this. That in itself is a problem. Then, I was asked to mail my personal info to them to verify who I was. I decided to go to the local branch to have them verify me. While at the branch I was told that the bank was aware that this had become a problem and that former clients were not being verified in person. My question is, if you know that there is a large data breach with a credit bureau, why would you accept a SSN and an email as proof that someone is who they claim online? I was verified after giving them multiple pieces of information. I have asked them to close these accounts because they have verified that I did not open them, I am still to this day receiving emails and account statements on accounts that are fraudulent. I feel that Bank of America is not protecting their clients and/or potential clients as they should. Now, someone knows that they have correct information for me because this bank allowed them to open an account using my information.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (MI)

Paid the payoff amount in XX/XX/2022. Then was told it didn't payoff the loan. They have since charged fees and cost of {$610.00} and reported my account delinquent to the credit bureaus. Their loan is outside of usery laws.
Consumer complaint received 2022-03-10
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. (OK)

I AM the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has sent me personalized pre-approval offers for credit cards. A few times they have denied me after pulling my score. Now for the biggest issue, twice they approved me after pulling my score, but before I even received the credit card they close my account. I have spend hours on the phone to then not get any help nor answers. I plan to check with a few lawyers and family lawyers to see if suing is a option because Capital One continues to mess up my credit which is hindering my ability to apply for other things. 

Second Time Break Down : - XX/XX/2021 - Received personalized offer - XX/XX/XXXX or XX/XX/2021 - Applied - XX/XX/2021 - Approved ( after sending requested documents ) - XX/XX/2021 - Card shipped with estimated delivery or XX/XX/XXXX & XXXX - XX/XX/2021 - Still no card and account closed Thus, leaving me without a card that was to be used for a bill, another new inquiry, a low credit score and two missed opportunities because I went with their Pre-approval. 


*Updated - while typing this and on hold, I was basically told I was banned from their Credit card products, but still don't know why. Before the rep said that he asked if ive ever gotten into a argument with a rep in the past. 

No matter what, if you block or deny business with someone ( FYI i still have bank accounts with Capital One ) don't send them PERSONALIZED ( My Name and other information ) Pre-approval/ Pre-qualify for that same exact product. Especially if it can mess up their credit and personal life. 

My advice, stay away from Capital One. Too many issues and when you call in you get the run around and manager ( some ) that feel they can talk to you like a child while being disrespectful. I will be closing all accounts and doing my best to sue Capital One for messing over my credit scores 6 times.
Consumer complaint received 2021-08-20
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: Resurgent Capital Services L.P. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-25
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. (CA)

Filed a dispute with Experian. Upon disputing inaccurate and incomplete payment history Experian and/or creditor updated payment history to damage my credit score. They deleted all payment history and added a new negative remark as a resolution to my dispute.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2021, Experian is reporting a account that shows XXXX, XXXX and XXXX  60 days each. There is now way a account can be 60 days late 3 months in a roll. I have disputed this account with Experian and XXXX XXXX twice. Experian responds that it investigated with the furnisher and the account is verified. So I have decided to file a complaint of the inaccurate reporting on my consumer credit report. I have attached my most recent consumer credit report as proof that Experian is not exercising the Fair Credit Reporting Act laws. 15 U.S code 1681 clearly states that consumer a required by law to have a ACCURATE consumer credit report. DELETE THE XXXX XXXX  ACCOUNT FROM MY CONSUMER CREDIT REPORT FOR INACCURATE CREDIT REPORTING IMMEDIATELY.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

US POSTAL SERVICE CERTIFIED MAIL XXXX On XXXX I sent certified mail to this company, They have received the letter but fail to respond. 
RE : Violations I pull my credit report and notice you ( Portfolio Recovery Associates, LLC ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. 

Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( Portfolio Recovery Associates, LLC ) pull my consumer report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.
Consumer complaint received 2021-08-19
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. (CA)

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-28
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. (TX)

In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage of. 

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 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on 02/26/2023. It has has been 32 since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice.

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated.

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.
Consumer complaint received 2021-08-19
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. (CA)

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.
Consumer complaint received 2022-08-12
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date:XX/XX/XXXX; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXXInquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX InquiryDate : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date:XXXX ; XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX.