davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRANSUNION reporting bogus and fraudulent information on consumer credit report, does not properly conduct investigation when submitted through their process, and ultimately does not protect the consumer by removing the false information. This is a extended, and repeated process that continues to unjustly damage consumer 's credit file, further proving a relationship between TRANSUNION and a fraudulent debt collector company in extorting money from the consumer. 

TRANSUNION and XXXX XXXX XXXX  have a relationship to extort money from consumers by adding false, unproven, fraudulent credit collection marks ; and then not removing them per code of law and consumer protection acts. In fact these companies frequently change the dates around, and add falsified comments in effort for keep-alive tactics for that specific fraudulent collection trade-line.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IN)

Best Buy closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. I in fact I just recently paid it off. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX XXXX and have been caring for XXXX  in XXXX XXXX due to XXXX. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Best Buy and as I said earlier NEVER late making payments on my Best Buy credit card.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC. (OH)

Phone calls started roughly about two months ago from this company whom I have no idea is not have ever had business with. They call starting at XXXX and continue to call. They spoof their phone number, as I have blocked each number they still get through with a new one.
Consumer complaint received 2021-06-02
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. (TX)

I contacted TransUnion about a issue on my credit report over 120 days ago. I filed a CFBP complaint and that allowed the an additional 60 days why? They already had well over 60 days the first tike I asked for an investigation of this falsely reported account. Then they responded that they needed to check with the data furnisher to see if the information is correct. They how did they report the information on my credit report as accurate but no have to check and see if the information is correct with the data furnisher? By law they must report accurately on my credit reports or immediately remove an false, unverified or misleading information. They are in clear violation of FTC Regulation and Basel3.
Consumer complaint received 2022-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PACIFIC PREMIER BANCORP, INC. (NY)

Opened an account with XXXX XXXX XXXX, a division of Pacific Premier Bank to hold a security that has no market value and is not traceable, strictly as a trustee to hold. They do not provide advice, there is no trading, nothing! 
They charged excessive fees, {$400.00} per quarter, after XXXX quarter I closed the account. They charged me {$230.00} to close the account! XXXX XXXX XXXX, did not respond to emails or phone messages, I called spoke to XXXX, she said there is nothing she could do, and said she couldn't even take the payment. 
They provided no customer service, but took fees!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through Santander Consumer USA. During the lawsuit between the CFPB and Santander my account was removed from all XXXX credit bureaus but after the lawsuit was over my Santander account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and transunion ended my dispute against XXXX stating that XXXX verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and transunion stating that isnt the case thay XXXX  verified the debt as correct and put the late payments back on I believe XXXX is in the middle of a cover up I would like to file a complaint against XXXX XXXX and transunion for breaking the law and putting fraudulent information on my credit I would like a full investigation
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2019-11-08
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)

Capital One Bank allowed a business credit card to be fictitiously opened in my wifes name and then has ruled against me based on there investigation. Well first off I believe my idenity was stolen from this company and distributed on the dark web for many others to be seen. Capital One has no idea of how to protect customers from security violations committed on their credit cards. When I questioned the ruling it was like the XXXX was called to protect assets. Now they say on TV what we protect 100 % fraud and idenity theft. They rule against you with no say as to why, what happened, or NOTHING! They did waive some charges but in the end its not OUR account. They will not provide me a signed copy of the application agreement. They cant tell me why my account was hacked. This has also led me down a disaster credit emergency because all my financial accounts have been compromised. Its about time for the Government to rain down hard on Capital One. 30 % interest, high late fees, a mafia or dictatorship sense of responsibility to the fact they couldnt and dont have the capacity to keep others from hacking 100 million customers. They have admitted to one major failure of an ex employee but fail to address the consequences of all those affected. In my opinion capital one should be fined LARGE amounts of money by the US Government under the leadership of the President of the United States of America. Credit Card Companys while needed are failing to spend critical amounts of money ( to protect the elite bonuses at the top ) that hurt thousands upon millions of lives in the United States. My name is XXXX XXXX I live at XXXX XXXX XXXX in XXXX IL ( XXXX XXXX ) XXXX. Phone is XXXX. Please relay to them that they are the problem not their customers total BS!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed capital one reporting late payments that are inaccurate. They have reported negative and defaming info starting XX/XX/XXXX and XX/XX/XXXX on my credit report. They have never given sufficient information to me in order validate this reported information. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've been dealing with PORTFOLIO RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for over a year now going back and forth without any resolution in sight. I've contacted them by letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and over this past 2 weeks by several emails. I've asked them to do their research in finding out who and where the past payments on this account came from and they just will not do their jobs. This account does not belong to me and never have. I have requested the following : 1. A copy of any agreement with XXXX XXXX thaXXXX bears MY signature 2.PROVE that any payments made on this account came from any banking account bearing my name and address associated with XXXX XXXX. Someone made payments on this account in the past, AND IT WASN'T ME, but PORTFOLIO RECOVERY XXXX, XXXX WILL NOT DO THEIR JOBS. The following amounts were paid on this account. WHERE AND WHO DID THEY COME FROM? That's all I want them to do, SIMPLE! Once they find out that I NEVER made a payment to this account and it doesn't belong to me, then they can remove from my Credit Report. 
XX/XX/XXXX in the amount of {$200.00} ; XX/XX/XXXX in the amount of {$160.00} XX/XX/XXXX in the amount of {$61.00} XX/XX/XXXX in the amount of {$100.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$140.00} XX/XX/XXXX in the amount of {$130.00} XX/XX/XXXX in the amount of {$210.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$200.00} All they keep doing is generating the same letter 2 to 3 times a day and the letter reads : " We requested that you send our company additional information to the account referenced above so that the Dispute Department could complete the investigation of the alleged dispute. How can I send them any more information to something that I know absolutely nothing about?
Consumer complaint received 2019-11-08
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. (NJ)

Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-05-04
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. (MD)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (TX)

The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act 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 2019-11-08
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: Experian Information Solutions Inc. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-08
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)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is XXXX