davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

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 U.S.C. 1681. 

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

15 U.S.C. Section 604 A Section 2 its also states a consumer reporting agency can not furnish an 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 following items of information Any other adverse 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 2020-05-19
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 (IL)

I was approved for a credit card from capital one credit cards I never received the card there happened to be charges on the account that I didnt authorize 1 for XXXX $ another for XXXX $ another for XXXX $ another for XXXX $ they honored XXXX $ of which XXXX not sure how they came up with that adjustment but I never made any of these charges and they are refusing to resolve the situation XXXX  the supervisor stated that I made a payment on the account in between these transactions of XXXX $ b4 I put in the dispute at the time of the payment my capital one app was not showing that these transactions were made and the supervisor XXXX if # XXXX was extremely rude and once we discovered that I was a XXXX American women I feel he was being very discriminating against me
Consumer complaint received 2022-07-06
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: FIRST CITIZENS BANCSHARES, INC. (MI)

I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

XXXX  XXXX XXXX date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXX XXXX XXXXXXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is 78mins the 78mins past and they called back but I'm still on hold for an additional 49mins and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXX date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is also reporting two addresses I have never seen or am associated with please delete : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

asked all 3 bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when XXXX XXXX to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted XXXX XXXX i was rold they do not have any contracts signed by me so how was information verified by credit bureaus
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (MO)

Told Student loan that I was a XXXX veteran applying for forgiveness and my wages are being garnished a law firm is trying to take me to court and now I cant feed my family durning this national crisis. I need more time. Low income family XXXX children. The law firm told me I had two loans- equaling XXXX XXXX dollars I make XXXX in XXXX  okay. This is criminal.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: VYSTAR CREDIT UNION (CO)

My loan was transferred/sold to VyStar credit union and has been on auto-pay the entirety of the loan. 

A year ago, the autopay feature broke and a payment was missed as a result. When I reached out to resolve, they helped me set up a new autopay but did not explain that the automatic payment would not catch up the missed payment due to the broken autopay. 

I have sent numerous emails, chats, and spent hours on the phone trying to get an answer and they just tell me there is nothing I can do yet they refuse to provide any documentation on my issue for my review or any acknowledgement of my previous outreach trying to get the issue solved. 

I never asked to be their customer, my loan was sold to them, then their autopay broke and dinged my credit. I've been desperately trying to speak to someone to solve this and VyStar has avoided helping me.
Consumer complaint received 2022-07-06
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. (IL)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NJ)

I bought a piano back in XX/XX/XXXX for a total amount of {$2800.00} ( including taxes ), financed through Synchrony Bank for a total amount of {$2800.00} at an interest rate of 22.99 %, but will interest can be waived if paid in full within a year. I officially setup my account on XX/XX/XXXX when I received the mail about my mail account, and I used the automatic payment calculator to calculate my payoff amount if I want it to be paid in full within 12 months starting 1st payment on XX/XX/XXXX. It came out to be {$270.00}. Recently, I've noticed that the bank is still charging me money after 1 year so I called the bank. Their representative claimed that I didn't pay off my account within a year that there was a {$20.00} late fee posted on my account on XX/XX/XXXX which I had no idea about. I setup my account on XXXX using their calculator thinking it would take care of everything for me. But instead now I'm out of pocket for {$530.00} for a late charge which I was never made aware of. I never got any email ever since I've setup my account on the XXXX. The representative claimed that they sent me several mail, which I never received. I live in an apartment complex and mails often get lost. So their only means of communicating with me was through mail. I never received a text, a phone nor a email regarding to this late charge. I feel like they conned me out of {$500.00} for a late fee that I was never aware of. They claimed that I should've read my contract and contact them about setting up the account while I was under the assumption that the setup email was on the way to me the whole time, which was the reason why I've missed the first payment, but their automatic payment calculator never took that into consideration when I setup my account on XXXX. And they are penalizing me for their system problem.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, On XX/XX/XXXX I found evidence of identity theft on my credit report. I then realized that my identity had, in fact, been stolen. An address and multiple phone numbers were taken out in my name and used to obtain several credit cards including 2 from Capital One. One of those accounts has since been found as fraudulent however the other one remains. That account has a due balance of {$460.00} and was opened on XX/XX/XXXX of XXXX. Several times I have filed fraud notifications with the company and each time they continue to tell me that they find no evidence of fraud. Each " investigation '' seems to last only a couple of days. I have never been contacted with an explanation other than that they " have found no evidence of fraud ''. After speaking with multiple representatives I have discovered that since the address and phone number matches my name, Capital One will not identify the account as fraud. Recently I have submitted a full police report containing my sworn statements & a possible suspect, my tax returns with proof of my address and phone number from XXXX & XXXX, an email from the landlord of the property the card was sent to stating that I have never lived there, an affidavit I signed for another bank concerning fraudulent activity on a card sent to the same address, a letter from another bank explaining that fraudulent activity had been found, and a picture of my license. After sending all of this, I received yet another letter within 2 days saying no fraudulent activity has been found due to " limited information '' provided. This is the MOST information I have ever sent to any bank. Please, I need help. I am willing to cooperate, I just need someone from the fraud team willing to work with me.
Consumer complaint received 2022-07-06
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)

In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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 2020-05-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX   and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-10
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)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX XXXX  XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how Equifax, XXXX has violated my rights. 

XXXX has refused
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-14
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. (TX)

In accordance to the XXXXair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have a right to privacy. 

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your written instructions.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

Our mortgage was through Wells Fargo ; we had it listed as short sale ; they continued to deny our offers from qualified buyers and told us that we had to pay XXXX for mortgage insurance that we never knew we had since we had more than 20 % down payment on the loan to begin with ; they proceeded with foreclosure and i went to court in XX/XX/2012 and the XXXX declared that the foreclosure had to cease due to Wells Fargo not submitting proper paperwork. I then received a letter stating that the foreclosure would take place on XXXX. I contacted the financial / attorney representing Wells FArgo to tell them that they made a mistake and that the XXXX had ruled the foreclosure as null and void. The XXXX  even specifically asked me if I understood his ruling and then explained that Wells Fargo had to start the whole process over again which I confirmed and also explained on my multiple messages to the XXXX XXXX XXXX On XX/XX/2012, we fed ex the final correspondence to the attorney in XXXX with the house keys again telling them that they were taking our house illegally.
Consumer complaint received 2023-02-06
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. (UT)

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX. Account XXXX XXXXXXXX. Account name : XXXX XXXX XXXX. Account XXXX  XXXX. Account name : XXXX XXXX. Account XXXX XXXX, Account name : XXXX XXXX. Account XXXX  XXXX. XXXX XXXX XXXX XXXX. Account 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 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 beleive that the information is inaccurate.
Consumer complaint received 2020-05-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX  and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-02-06
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: DISCOVER BANK (TX)

Discover has an outage in which payments are denied and the phone lines are down, but they havent admitted they have an outage. Its being going on for several hours. XXXX and the XXXX XXXX  are the only two info sources since the discover card folks responding on XXXX are pretending they dont know there is an outage. Their phone lines have a busy signal. This is affecting at least 5k customers based on people who have bothered to make a report at XXXX. But discover has made no official announcement or let folks know that their card isnt going to work if they try to use it. I was really hoping for groceries today.
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXXXXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed