davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (NC)

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a XXXX XXXX {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO ADDRESS ID # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help experian XXXX XXXX
Consumer complaint received 2022-08-08
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: Prince Parker & Associates (NJ)

I have written PRINCEPARKER which says I have a debt of {$4300.00} multiple times asking to verify this information and to show me the original copy of me and the Creditor contract with my signature they have failed to respond to me it has been over two months which violates my rights under the FCRA I am a victim of identity theft and this false information on my credit report is stopping me from achieving my goals
Consumer complaint received 2022-06-07
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)

I sent a letter on XX/XX/2022 to remove XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (SC)

XXXX sent a certified debt verification letter to : Capital Accounts XXXX XXXX XXXX XXXX TN It was received XXXX. 

They removed this collection when the debt verification letter was received y them but after the 30 days was up they placed it back in collection. It is XXXX and I still have not received any response from them requesting verification. They are continuing to attempt to collect.
Consumer complaint received 2022-09-08
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-07
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 the Fair Credit Reporting act XXXX 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 2022-09-08
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (GA)

I've recently pulled my credit report and have noticed a few inquiries that were not authorized. I've been a victim of identity theft and have filed a report with FTC that I will attach. The following inquiries were not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Individual tried to purchase a saddle online from me and claimed to send the money to me but I received nothing, was scammed into sending {$400.00} and then individual continued to ask for more money ranging from {$1000.00} to {$2000.00} claiming their account was double charged. This was all through the " XXXX '' app supposedly, but followed suspicious activity. Has been reported to XXXX and the bank.
Consumer complaint received 2022-06-07
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 did not consent too and benefit from or authorize any of the accounts listed in the attachments. 
Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Reference to the violations listed in the attachments section.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

On XX/XX/XXXX I received a call from OneMain due to my XX/XX/XXXX payment not being made, at that time I advised the rep that I had XXXX XXXX XXXX on XX/XX/XXXX & was waiting on XXXX to be processed so I could have a better understanding of what my new income would be until I got a new job. On the XXXX the man that I spoke with offered me a 2-month deferment & at that time I decline & advised him that just as long as my XXXX was approved I should be fine with making the payment. I then received a call from the same man on XX/XX/XXXX, and XX/XX/XXXX & then on XX/XX/XXXX lady called & offered me the same 2-month deferment I again explained my situation & declined. 

I then later called the lady back to go on & set up the 2-month deferment due to I was still waiting on XXXX. At the time that I spoke with her, I was only due for the XX/XX/XXXX payment, she told me I would need to make a full payment by the end of XXXX & once I did that they would defer 2-months. She also stated that once the payment was posted on the XXXX I would receive my deferment approval in the mail. A payment for {$470.00} was set up on that same day to draft out on XX/XX/XXXX, this payment has since been posted & cleared my bank. 

I received my deferment letter in the mail, dated XX/XX/XXXX that states I was approved for a 2-month deferment with my next payment being due XX/XX/2022. I contacted OneMain this morning to get clarification, due to the only payment that I've missed was my XX/XX/XXXX payment. I explained that as of XX/XX/XXXX I was due for XXXX & XX/XX/XXXX payments so the {$470.00} they received on the XXXX should have covered one of those payments & the deferment should have covered the other payment along with the XX/XX/XXXX payment. 

I was then told this morning that the 2-month deferment that I was placed on only covered half payments for the months of XXXX & XXXX, & the payment that I made on XX/XX/XXXX was to cover the remaining of those half payments. This was never explained to me when I was offered the deferment nor is this stated in the deferment letter that was sent to me. All information that was provided to me stated a 2-month deferment, which means it should be 2 full monthly payments, if this is not what they are offering then their letter & information that they provide should clearly say half payments & it doesn't. 

OneMain has now placed me in a worse financial situation because I now have 6 days to figure out how to come up with {$470.00} because they lead me to believe that I would be receiving a 2 full month 's deferment when that was not the case.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I submitted an application for the Capital One Saks Fifth Avenue Mastercard at the Saks Fifth Avenue store in XXXX XXXX XXXX. At the time, the employee failed to informe me that if I had an existing store card my application was going to be automatically declined. A few day later I received a letter from Capital One declining the application due to having too many Capital One Saks Fifth Avenue accounts. After the letter, I called Capital One and I was told that because I had already a XXXX account my application was declined and the only way to have the application re-reviewed was to close the existing account which I agree to close the account and have the application review again. I just received another declined letter stating the same thing the first letter stated which is the application was declined due to having too many Capital One Saks Fifth Avenue accounts. Today, XX/XX/2022, I called Capital One and I was informed that even though I closed my original XXXX account the application was automatically turned down because their system does not recognize that the existing account had been closed which I was never informed on my first call. I believe this a deceiving practice and now my credit card was pulled. If this information had been giving to me before submitting the application on XX/XX/2022, I would have been able to make an informed decision.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I opened a credit card account with the store XXXX, administered by Comenity Capital Bank, in XXXX of XXXX. I received a bill in XXXX with a closing statement date of XXXX. I received the bill during the XXXX week of XXXX ( don't recall exact date ) and sent a check on XXXX. I did not check the due date, which was XXXX, so I accept the {$30.00} late fee on this one. The next statement closing date was XXXX. I received that bill on XXXX ( Saturday ) and sent payment on XXXX ( Monday ). That payment cleared on XXXX, so that meant another late fee. There was no way I could have sent it any sooner! In XXXX the statement closing date was XXXX. I sent payment on XXXX, the same day I received the bill. It didn't clear until XXXX ... another late fee! Apparently, no matter when I send the payment, it will not be cleared until it is late! For the XXXX bill, it closed XXXX. I received it XXXX. Based on the history, I realized there would be yet ANOTHER late fee so I called to complain and challenge the fee and I closed the account. I paid the late fee while on the phone with the company. This seems to be a scam!!! I checked the mailing address each time there was a late fee to be sure I had it correct. My credit score was XXXX on XXXX. I do NOT pay bills late.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-06-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent 4 letters to Experian starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ) Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. The account remained on my credit report. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and I have not received any hard copy documentation. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my XXXX written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Consumer complaint received 2022-06-07
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. (NJ)

I sent a letter on XX/XX/2022 to remove XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Consumer complaint received 2022-11-10
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. (PA)

( DISPUTE CODE-103 ) My personal information was stolen in XXXX since then I've been seeing a lot of unauthorized inquires. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately. the following includes : XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX