davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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 2019-10-21
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
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. (WA)

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 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 2022-09-11
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/XXXX I have notice fraudulent Account Name XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I visited TransUnion 's website, transunion.com, to view my credit score. I clicked on the bright yellow button in the top right corner titled " GET YOUR CREDIT SCORE '' [ Page 1, ANNEX-1 ].

In the top, the title read " Be in the know with TransUnion see your credit score NOW ''.

Nothing clearly stated - that I was in fact about to signup for a membership with a monthly commitment. Only a small inconspicuous box to the right ( That I discovered after ) has the wording : " Credit Monitoring for $ XXXX ( plus tax where applicable ). '' No terms are shown anywhere. 

On the next page, I'm asked to enter my credit card. I didn't find the disclosure of my credit card odd, as TransUnion is a credit agency, and I assumed it was part of the process to retrieve my personal data. 

At this point, no breakdown of any membership, potential cost, or terms is stated. 

Upon clicking next, I get a message from my bank that my card has been charged. 

In my mind, there is no doubt that this registration process was designed to trick people into opting in for an unwanted membership. No confirmation box to check. No summary of the proposed transaction. No statement of any potentially applicable tax ( Otherwise stated in the hidden-away box on the previous page ). Finally, no statement of any recurring payments. 

One could argue this constitutes as unlawful under several sections in federal law 15 U.S.C. 8402 ( ROSCA Restore Online Shoppers ' Confidence Act ). Section A.1.A, A.1.C, A.2.B.

As you are aware, this is not the first time TransUnion has acted unlawfully in an attempt to trick consumers into memberships, as it's stated in Stipulation File No. 2017- CFPB-0002.

https : //www.consumerfinance.gov/enforcement/actions/transunion-interactive-inc-transunion-llc-and-transunion/ When calling the TransUnion, I was routed around to overseas representatives, who were extremely poorly trained. I was not able to reach a line manager, but was promised a refund. A refund I am yet to receive. Their website offers no obvious way of contacting by email, mail, or chat.

Please don't hesitate to reach out to me for more information.
Consumer complaint received 2021-07-20
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. (WI)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2022-05-02
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to close my Savings Money Market account for almost three weeks. There were pending transactions. I had to call Capital One Bank 4 times, every three days to close my account. 

After two weeks of request to close my account, the account was finally closed and a final check was cut for the balance remaining in the account ( {$50000.00} ). 

I patiently waited for the check to arrive, deposited the check into my personal savings account in another institution, and waited for seven days for the check to clear. 

Today, XX/XX/2018, I received notification that the final check issued by Capital One Bank was denied/rejected by Capital One for no reason. 

I immediately called and spoke to a manager in the customer service department and was not provided a reason or an explanation for Capital One Banks actions. I was not provided with an expected date of resolution. I was not provided with any options for resolution. 

In the meantime, I do not have access to over {$50000.00} of my money, am loosing potential interest my money can be earning, owe {$34.00} for a return check and {$34.00} for insufficient funds in my account. 

All this negative impact has occurred to no fault of my own, but Capital One Bank. 

I still do not have a resolution and would be greatful for any help your organization can provide.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

We were directly hit by Hurricane Irma in XXXX of 2017. At this time I lost my job due to the hurricane and took advantage of a program that my mortgage company sent me via email to pause my monthly payments for up to 6 months - at no cost and was told several times this would not affect my credit. 

I submitted all paperwork more than once and the entire process was beyond stressful and awful. 
I am in the process of refinancing my home and have been told that Amerihome Mortgage Company reported that I missed a mortgage payment - I did not at any point miss any payments.

This has impacted my credit score and I am unable to get any kind of loan!
Consumer complaint received 2019-10-21
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. (FL)

In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX in the sum of {$3500.00} in the file Equifax maintained under my social security number. 

I was informed by Equifax on XXXX XXXX that the item WAS deleted from my Equifax credit report. 

Now I have discovered XX/XX/XXXX that the item has been reinserted on my credit report.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

When they asked for a video and more information for their XXXX XXXX card, I decided not to apply. I did not complete the application. 

The website said that i " timed out '' and the application was incomplete. 

They ran my credit anyway. It was a hard hit. 

I did not want to do business with this company, despite the promotion. I decided to make the payment in cash. 

The following day, I was informed by my credit agency that there had been a request and hard it to my credit rating. 

It was almost impossible to reach anyone at Synchrony Bank. I went from XXXX to XXXX XXXX, to XXXX ( they were the worst! ). 

I was never informed via phone or email or text that I had applied or that they were going to run my credit. But, they did. They said I had given approval and they were waiting for the rest of the information that I had decided not to give them. They said they had sent me snail mail letter requesting this information. 

I told them I was not sending it. I would not do business with them and they did not have approval to get my credit information and make a hard hit. They said they did. 

I told them to cancel anything they had from me and that I would not do business with them. They are horrible!
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capio Partners, LLC (FL)

This company ASSETCARE LLC is in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of these violations. 
In XX/XX/2021, I sent by certified mail receipt number : via usps # XXXX, a request for ASSETCARE LLC to provide me with proof and evidence of the debt alleged I owed, and I did so within 30 days of receiving ASSETCARE LLC first notice on XX/XX/2021. In that same letter I also included my cease and desist instructions. 
After verified delivery of my letter via your office by certified electronic delivery at XXXX on XX/XX/2021, ASSETCARE LLC proceeded to report this unverified account to XXXX Credit Bureau impacting my credit score by a loss of 27 points on XX/XX/2021 screen shot included then ASSETCARE LLC mailed a simple bill dated XX/XX/2021 which is NOT considered a " validation of debt '' by any means. Then ASSETCARE LLC proceeded to contact me by mail XX/XX/2021 with another document claimed statement of account which in quote stated an itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} even after the delivery and acceptance of my certified letter on XX/XX/2021. I sent yet another certified letter requesting proof of this account or debt, signed contract with my signature on it, agreement to share my medical records if so with multiple contacts as stated in their communication of at least 3 companies that I am unaware of having any dealings with.
Consumer complaint received 2022-04-13
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-04-13
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SERVICES XXXX BANK XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX SERVICE XXXX XXXX  - XXXX  SERVICE XXXX XXXX LOAN XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-08
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. (OH)

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Consumer complaint received 2021-10-28
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 (TX)

I received a notice on a credit monitoring site that Capital One has closed my Credit Card Accounts without even contacting me and will not explain to me their reasons. I have NEVER been late with my payments on these or other accts on my credit reports. This is very unfortunate and disturbing that an organization that seems to have such a good reputation would do something close my accounts ( even though I have Excellent Credit and Credit Scores ).
Consumer complaint received 2019-10-21
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. (TX)

From looking at my credit from XXXX, I clicked on what I needed to fix on XXXX. I realized I had a huge problem when I went to the XXXX XXXX   website and could not identify myself. I am asked 5 security questions only I would know the answers to ( same questions that were asked online off their website, and on the phone when I tried to get through customer service ). XXXX   automated system asked me of like, " In 2014 (? ) you have made a car loan. Where was the location? XXXX, TX, etc. '' I have never made a car loan, student loan, or even had a credit card under my name. I chose the answer " none of the above '' on all 5, because every question was something I did not know the answer to. I was told they were not able to identify me. 
Please help me what I can do from here. I have already filed a complaint to FTC. I wish to file a report to the police department, but I do not have evidence of places I never applied a loan to because I can not get into XXXX. 
I am XXXX yrs old, a single mother, and this is the first time I'm ever going through this in my life so I have no idea what the next step is, or what is exactly going on.
Consumer complaint received 2022-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I have a spousal consolidation direct student loan and am divorced from the co-maker. I am listed as qualified for the PSLF with 20+ more qualified payments than required FedLoan services the loan and has been been contacted and been unresponsive for months. My portion of the loans have not been forgiven despite my legal right to have this done under current non-waiver rules for spousal consolidation direct student loans, per the FAQ on the Dept of Ed student aid website. I can not get my case reviewed or updated by FedLoan. It is outrageous that I can not get my loans forgiven almost 2 years after qualifying. It is also outrageous that when they are forgiven, I will still have to continue paying my ex-husbands student loan debt off AND have his loans continue to be posted to my credit history. This is unfair and unreasonable. I am not the only person in this situation, and many are in an even worse situation with abusive or uncooperative spouses or ex-spouses who are loan co-makers. Please help us.