davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

When I started college in the fall of XXXX my mom informed me she would open a credit builder loan to build my credit and a credit card for emergencies. The credit card was in my possession for a few months and then my mom took it in her possession that same year ( I do not remember why or how ). About 6 years later in the fall of XXXX, my mom proposed me trading in my car, during that time my boyfriend wanted to as well, his credit was not good so she offered to add him as an authorized user on her credit cards. A few weeks later I was instructed to download the capital one app to pay my car note where I realized I had a credit card with capital one that was ran up thousands of dollars, when I confronted my mom, she got very emotional and was recently diagnosed with XXXX so I was not inclined to take action against her. She agreed to paying the monthly payments and even said she would pay them down with her taxes but that never happened. In the spring of XXXX, she filed my taxes with credit karma causing me to download the app and see another 2 credit cards was ran up thousands of dollars. Shortly after this, me and my mom had a big falling out, while she still paid the monthly fees, she was reluctant to speak with me about my credit cards and when and if she was going to pay them off. Fast forwards to XX/XX/XXXX, I have gotten many late payment fees and she is still using my credit card for small transactions such as XXXX, XXXX, and vending machines. I have tried to reach out and retrieve my credit cards but she has blocked my cell phone number as well as my social media accounts. Seeing as though I have never used my credit card, and have not had them in my possession since XXXX, I believe this debt is my mom 's responsibility and she should be held accountable.
Consumer complaint received 2022-06-08
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. (NY)

Disputed twice with company yo being ignored. Called every one of these inquiries to which told no info on me and contact agency reporting. 
Attached is last letter sent.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (SC)

Good Afternoon, EXPERIAN, XXXX, AND XXXX have not properly conducted an investigation regarding a negative account on my personal credit report. 
On XXXX XXXX i certified mailed off a letter ( in which i still have a copy of ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. I received a response but unfortunately still have not received any hard copy proof like i originally requested and stated if unable to provide proof, please remove the account completely and immediately. 
I appreciate your time in this matter and i'm able to provide any and all information needed to resolve this issue correctly.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to get the bureaus to change the account status from derogatory to paid. These accounts are marked derogatory by the bureaus and both accounts have been paid. please update for I can not get approved for a apartment. 

I paid these accounts in attempts that it would help my credit but the bureaus keep on reporting that it is derogatory under account status, and they keep responding as it being verified, although the company 's have ALSO SENT THEM THE RECEIPTS. 

PLEASE HELP ME GET THIS UPDATED
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (GA)

I, XXXX XXXX have found In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

I also submitted the attached notice below and submitted it to Barclays on XX/XX/23 and it is XXXX and I have received no response pertaining to this issue.
Consumer complaint received 2022-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the Equifax Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Consumer complaint received 2022-06-08
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: S & S Recovery, Inc. (TX)

I noticed a derogatory " paid collection '' by a predatory collections company by S & S Recovery out of Tennessee. I submitted my full payment directly to the university via the university 's portal, not a collections company. However, when reviewing my credit reports, I was dismayed to learn that XXXX XXXX XXXX was the ONLY credit reporting bureau showing a derogatory account. I know for a fact that S & S violated many FCRA and FDCPA laws and as a licensed private investigator, I've compiled a court records and testimonies to corroborate a pattern of abusive behavior. 

I never received a letter from S & S Recovery nor could they ever prove to me that they were in compliance the FCRA/FDCPA laws. S & S Recovery never sent a letter, the university never provided me communications nor did they remit the services I paid for due to COVID-19. Since I am a survivor of XXXX XXXX I'm enrolled in the Texas Attorney General 's Address Confidentiality program where they assign a po box to receive mail in lieu of a publicly listing a physical address to add a layer of protection. I have attached that enrollment letter from when I joined the program. 

Also, the university was not physically opened during XXXX and working remotely. Any letter they sent to me were not received. Despite paying the university, I now have a collections with a company I never interacted with! COVID-19 displaced many people and the university could not adequately follow with any notifications of derogatory payment. 

I submitted a complaint by the CFPB portal against S & S along with a formal dispute via XXXX, yet S & S is engaging in their typical " bully '' behavior and refusing any goodwill effort to delete the stain on an otherwise FLAWLESS credit report. 

This negative collection has dropped my report by XXXX points and is preventing me from opportunities and setting my interest rates higher. This is illegal. I have a tentative meeting scheduled with a news network who is willing to speak with me on the record for an " expose '' news story about this very matter should the issue not be resolved.
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account was opened on XX/XX/2017. In have tried disputing it since as I am not aware of this account, it was not me who opened it. However I was unable to reach a manager amongst attempting numerous times. I have repeatedly received calls over the years. I tried resolving it as this is inaccurate information on my credit report and no resolution was made. I would like for this account/collection to be deleted from my account as it is not mine.
Consumer complaint received 2022-06-08
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. (CA)

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all XXXX credit reports that are reporting to my file and putting me in a financial hardship
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (PA)

XXXX, XXXX and Equifax continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in 2017, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.
Consumer complaint received 2022-06-10
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-08-14
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: Premium Credit Bureau (NY)

I disputed this inquiry with XXXX. I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. 
company name : Premium credit Bureau LLC DATE OF INQUIRY : XXXX XXXX, 2021 2021
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Date Assigned XX/XX/2018 Account Number open Portfolio Recovery Original Amount Owed {$1000.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act the account listed below 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. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NY)

I have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but Experian and XXXX updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On XX/XX/2021 I received a call from a PennyMac agent to refinance my house. He sent an estimate of my new payment and interest. He sent paperwork thru email for me to sign. I did sign everything thru electronic signature. I did not hear from him for few weeks. Which I called him several times in between and left several messages in his voice mail., no responses. Like in XXXX, I received a packet my mail for me and my husband to sign and send it via fax, which I did. Same thing no response that he received the packet or nothing. Late in XXXX I called the company directly and asked about my refinance processing and I was told that my application has been cancelled for no response. I tried to explained how it happened and I was told that my agent 's supervisor was going to call me. Until today, I have not received a phone call from any supervisor. I just got a call form the agent the same day that I called the company asking to speak to a supervisor and I was told by him that my application cancelled because I never submitted any documents. All he said sorry but we only give 15 days to provide documents, but he never told me this and I never received a letter telling me of the decision. If you want to re apply we will give you new rates. sorry and hanged up. I cried because I feel betrayed and laughed and discriminated against.
Consumer complaint received 2022-08-03
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. (GA)

In accordance with the Fair Credit Reporting Act. The company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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.