davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
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. (NY)

XXXX XXXXXXXX ( NOT MINE ) XXXX XXXX XXXXXXXX ( NOT MINE ) XXXX XXXX XXXX ( NOT MINE ) XXXX XXXX ( NOT MINE ) XXXX XXXXXXXX ( NOT MINE )
Consumer complaint received 2024-09-18
Product: Credit reporting 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)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One locked my XXXX while I was out of town on vacation on XXXX, XX/XX/XXXX at XXXX pm. I received a text message that my card was restricted with a phone number to call. The only way to unlock the card was for Capital One to send a text message with link for me to submit a photo copy of the front and back on my driver 's license. In order for their system to accept my license I was forced to make 5 different calls to Capital One. Finally at XXXX pm while speaking with the fifth representative my driver 's license was successfully received and my card was unlocked. 
The following day, Friday, XX/XX/XXXX Capital One again locked my XXXX at XXXX pm. I called Capital One and was informed I needed to submit a copy of my driver 's license, signed Social Security Card ( SS card ) and proof of residency. I explained I was on vacation and didn't carry my SS card and I did not feel comfortable sending my card. It wasn't requested when the account was opened and it isn't a document I feel comfortable sharing. I asked if there was any other means of verification and was told no. I then requested to close the account but was informed that I would lose my cash back rewards. 
On XXXX XX/XX/XXXX, I returned home and attempted to resolve the issue once again with Capital One. I asked why my account was restricted in the first place and was told it was for suspicious activity. I had the card in my possession at all times and they never requested I verify purchases or any other information. They would only accepted the documents : driver 's license, Social Security Card ( SS card ) and proof of residency. Again, I voiced my concern about sending my SS XXXX and was told that was the only way to unlock my account. I was advised I could make payments or close my account. NO other activity would be allowed. My card would stay in " permanent restriction '' until I submitted the documents. I understand Capital One is trying to protect me as a consumer but all they did was restrict me from having access to my credit account when I needed it most. 
The resolution I am seeking is to get the card unlocked without sending my SS Card. I am willing to verify by other means so I can receive my cash rewards. This is a horrific, stressful and ridiculous verification method without any possibility of overrides. This policy needs to be reviewed. 
Please help me unlock this card.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A that also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-24
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 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 that also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I received a loan disbursement check from Oportun on XX/XX/2022 for {$5500.00}. I did not apply for this loan, so I called to ask why I received it and cancel the account. 

Oportun support told me that an account had been opened in my name and birthdate, but associated with an email address based in XXXX XXXX, XXXX and from a phone number in XXXX. Neither of those are associated with me. 

I followed up with an email ( XXXX ) to the company the same day confirming all of the details and reiterating my desire to close the account immediately. I was assured that an " investigation '' was being started. 

I followed up again on XX/XX/2022 asking for a status update. The company responded that it had forwarded the details of my " dispute '' ( again ) to the appropriate department. 

I began receiving account statements in the following months, and eventually late payment notices. I also noticed that they posted a late/non payment to my credit report that reduced my XXXX XXXX from XXXX to XXXX. IN addition, I would note that the check sent to me was never deposited, so the fact that they are charging interest seems disingenuous if not fraudulent. 

I followed up with a call on XX/XX/2022 to again check on status. The agent on the call told me there was no record of a dispute, and that she would forward my information and that in " investigation '' was being started that could take up to XXXX business days. I was not able to get contact information or other info about the investigation department. Needless to say, I am not confident anything will be done. 

It is quite clear that there are multiple issues at Oportun that suggest the company is not well run enough or competent to operate in the supposedly regulated financial services sector. Among these : XXXX. It is clear that the due diligence and XXXX  process at Oportun is completely inadequate. They opened an account based on an application that was fraudulent on its face ( email address from a island in the XXXX XXXX and a XXXX phone number ). 
XXXX. The company has ignored my request to close the account and restore my credit report information on multiple occasions. There is no history of these interactions in the account record at the company. 

I would like to know what actions CFPB plans to take against this company. If you are unwilling or unable to act, then please let me know the best way to approach this issue. 

Thank you.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-24
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I would like to fill a complaint against united revenue corp located at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. I sent a dispute letter requesting for them to validate the debt i also sent the letters via certified mail with a return slip they failed to send me anything showing how the debt belongs to me instead they sent a bill i didn't ask for a bill i asked for the original contracts with my signed signature etc. Furthermore they are reporting the same acct twice there is also different dates on the bills they sent vs the dates their reporting to the credit bureaus. If they can not validate the dent by law they have to remove it
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/2022 an electronic draft request was issued by XXXX XXXX XXXX on my behalf for our car insurance premium in the amount of {$220.00} to USAA. On XX/XX/2022 USAA refused this charge despite having a sufficient balance in the account. My insurance company cnacelled the policy and refused to cover damage dpne to the car after the policy was cancelled. I now have a significant amount of damge on both vehicles and because of this, i can not have the car insured at all. This leaves me vulnerable to legal and financial action against me if I drive my vehicle without coverage. I have tried to work with the bank to get the damages covered. They refuse to give me contact with anyone other than the resolutions department and refused to provide me with any proof that there were insufficient funds at the time of the attempted withdrawal. I am now forced to seek legal representation at my cost to resolve the issue.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-12-03
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately.
Consumer complaint received 2022-04-21
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. (TN)

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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

The following companies are closed accounts that are paid in full. On XXXX XXXX I disputed all companies that were over 7 years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX XXXX XXXX {$500.00} 2XXXX Macys/citibank, XXXX {$600.00} 3- Macys/citibank, XXXX {$100.00} 4XXXX XXXX XXXX XXXX {$24000.00}
Consumer complaint received 2022-04-21
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)

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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-03
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (IL)

My husband and I had federal student loans from our XXXX and XXXX  education and we needed to consolidate to be able to afford to repay them. We were told Nelnet was a servicer of our federal student loans and so we assumed we qualified for the cares act COVID relief. Once the announcement of the relief was made we stopped paying our loans but just discovered nelnet is reporting our loans as defaulted. When i asked why they said that it was only for people with dept of education loans ( which ours were ) but that nelnet was a commercial servicer. This was never explained to us and seems exploitive since we would have never turned down the benefits and protections of federal student aid. We are now facing default and nelnet has not provided any support of guidance for what we know is a mistake. We know we are not the only borrowers who assumed we had relief during COVID and you can see from our payment history that we only stopped once we learned of the cares act relief for federal student loan borrowers. Our credit is ruined for XXXX XXXX and we need legal support to address the predatory and neglectful nature of nelnets financial practices.
Consumer complaint received 2022-07-29
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$50000.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}