davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I have a letter dated XX/XX/2022 that was received XX/XX/2022. There is a reference number on the letter. It is for something I never had and have never received communication about. 

The companies webpage has little information on it except for collecting the debt that is not mine. I have mailed back the slip of paper that didn't fit in the envelope indicating that the bill is not mine.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I went to USPS office on XXXX XXXX in XXXX to purchase money order for XXXX. I was supposed to get 1 money order for XXXX and another for XXXX. When doing so the worker told me after I had slide my card that he wouldnt be able to give me the XXXX as there was Issue with system but can give me the XXXX money order and I would be refunded. After checking my account I see that I was still charged the XXXX even though I only received the XXXX money order. I did not receive the XXXX money order I tried to call customer service but was unable to reach anyone to try and resolve. I contacted my capital one bank for a dispute on that charge saying I only received the XXXX and I was credited the other XXXX. Now I received a email 2 months later saying that capital one has denied my claim because the merchant said the transaction Was valid since it went though. Now capital one is saying they will take the XXXX back from my account. This is not right. I have sent proof including the receipt showing XXXX serial number of money order I received. Now I am going to be charged XXXX from capital one because they are taking the side of the merchant instead of looking at the documents.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

I purchased a XXXX XXXX set for {$1000.00} back in XXXX 2020. Due to COVID, there was a delay in shipping and the ring was not shipped until XX/XX/2020. I immediately returned the bridal set back to the company within a week of receiving it and they confirmed that the ring was back in their possession. Now the credit card company is not honoring the return that the company has already confirmed to them on several occasions. I have disputed this directly with the company on multiple occasions with no true resolution although I have provided all the proof of the return on my end and the jewelers end. I continue to be charged for an item I no longer have.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TN)

I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.
Consumer complaint received 2020-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was looking over my credit report and I noticed that XXXX and 60 day late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XX/XX/2020, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the XXXX SHUT DOWN XXXXThe CARES Act calls these agreements accommodations.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

It has been another 6 months and we have not received an update on balance of the deceased XXXX XXXX checking account with Capital One Bank ( {$210.00} ) that is supposed to be dispersed to his daughter XXXX XXXX by check. She has submitted all documents to receive a check in the amount of {$210.00} It is terrible that she has to go through this just to get her fathers bank account money Please see attached documents that have already been submitted 3 times. 

XXXX XXXX - SSN - XXXX Checking account XXXX XXXX XXXX XXXX daughter - XXXX XXXX Thanks XXXX XXXX XXXX Personal Representative XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (NY)

I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Consumer complaint received 2022-04-01
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: OneMain Finance Corporation (CA)

I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 Onemain Financial, by XXXX on XX/XX/2022
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE XXXX
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (NY)

was looking over my credit report and I noticed that 30 and 60 day late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were 2- 2020, 3- 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations
Consumer complaint received 2024-09-01
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. (MI)

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX # XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX # XXXX Date : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN XXXX  YEARS 15 U.S.C. 1681S-2 ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2022-04-01
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. (GA)

On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to dispute the fraudulent reporting of a XXXX XXXX  XXXX ( XXXX ) account on my credit report. Not only is this account fraudulent, but it has also exceeded the maximum XXXX reporting period allowed under the FCRA. 

Violations under FCRA and FTC : The continued reporting of this fraudulent XXXX account violates the following laws : 15 U.S.C. 1681c ( a ) ( 4 ) : Accounts that are over XXXX XXXX XXXX must be excluded from credit reports. This fraudulent XXXX account is still being reported despite exceeding this statutory limit. 
15 U.S.C. 1681e ( b ) : The bureau must maintain accurate information, and the continued reporting of this outdated and fraudulent account constitutes a breach of this duty. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is reporting inaccurate information, which is prohibited under the FCRA.

FTC Act ( 15 U.S.C. 45 ) : Reporting fraudulent information is considered a deceptive practice.
Consumer complaint received 2022-04-01
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 (FL)

Company ( XXXX AND Capital One ) referred me here. Today on XX/XX/2022 I received an email from Capital One that " I '' had opened a new account in XXXX XXXX XXXX, Utah, via XXXX. They claim it was reported on XX/XX/2022 and that there are XXXX dollars on the card. I DID NOT OPEN THIS CARD. The ONLY Capital One card I have open is the one I have in my hand as a resident of Florida, and it as approximately XXXX on it. 

This is the FALSE information that I was notified about today : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance XXXX Payment Status Current Please help. This is important to me as it would be to anyone. I have worked hard to heal my debt post-lockdowns when I was fired and the banks did not have mercy on me to the degree I thought. I took out a credit card for automated payments and other things like medical expenses with Capital One because they guaranteed protection after finding debt settlement through the Mercy of XXXX and XXXX. Please help.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (NM)

I am disputing inquiries on my credit report from Equifax and XXXX. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call Equifax and XXXX  and then was prompted to place a " fraud alert '' on my account. Equifax did and XXXX  failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called Equifax and XXXX and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with XXXX  to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NH)

On XX/XX/22. I attempted to get information from Southwest credit systems. The representative was very rude yelling over me requesting verification of this said debt and a signed contract with my name and wet signature as I was attempting to speak and reading the fair credit reporting law. I requested a supervisor in did the same and stated I was not a real person. They asked who I was and I gave them that information. I again stated the law to them and that it was a violation of the law to report on my credit without having a contract with me directly. He or she then hung up the phone on me. I attempted to call back and the same action I was hung up on.
Consumer complaint received 2022-11-05
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: Spring Oaks Capital, LLC (CA)

spring oaks capitol LLC opened XX/XX/22 {$2300.00} amount of collection XXXX  reporting 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 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CT)

Paid off my loan with Navient on XX/XX/XXXX. They are reporting my student loan as open with a {$250.00} balance. A recent XXXX  denial letter shows they reported my account as delinquent after it was completely paid off. They are also inaccurately reporting that my old student loans first defaulted in XXXX. Those loans first defaulted in XXXX and thus should have aged off my report. I have uploaded all supporting documents.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (LA)

I received a decline notice for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) issued through Barclay 's Bank. I never applied for a credit card with Barclay 's Bank and they would provide no information about the source of the application or how it was received or why they had my correct home address to send the decline.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (TX)

I disputed a charge with Chime bank without asking any info they just denied it so I finally got my police report I dispute the dispute they denied it again. My identity was stolen. They refuse to help me I never filed a dispute in my life
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CT)

I purchased my home from total mortgage in XX/XX/XXXX. My loan was sold to Roundpoint mortgage at the start of my mortgage payments on XX/XX/XXXX. We never received any mail documentation about our mortgage until after XX/XX/XXXX. We had to reach out to total mortgage for them to tell us our mortgage had been sold and transferred to Roundpoint. Round point did not clearly review our loan and paid our taxes in XXXX when we had already set aside money in our prepaids that are closing attorney would send to the city to pay our property taxes. Now we have received an escrow analysis and an increase on our mortgage payment by close to {$300.00} per month. This is round points error and we are being held responsible to pay a monthly payment that we did not agree to nor that we should be paying. Roundpoint is working with the city or so they say XXXX can not adjust the payment to what it should be until they get their money back. This is an error on the mortgage companies behalf and the customer should not be held responsible. If I do not pay the increased amount I will receive late charges which will reflect on my account for being late on a mortgage payment. They are stealing from and scanning customers. So now I will pay the XXXX dollars towards my mortgage payment this month and wave goodbye to those funds because Ive been told they will not be refunded because that is the agreed-upon amount even though it was not agreed-upon. This company has dozens of horrible reviews by other customers leading to the same types of issues and they should be fully investigated and held responsible.