davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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)

Urgent Complaint : First complaint submitted to CFPB on XX/XX/2021 under CFPB complaint # XXXX Ive Contacted Transunion on five different occasions informing them of reporting inaccurate information on my XXXX XXXX XXXX account XXXX XXXX Ive also contacted XXXX XXXX XXXX who admitted I was not enrolled in electronic billing at the time of the discrepancy, they acknowledge they did not have me enrolled in mail billing and they were having system issues. 
I explained I have made all payments as agreed. 
On each time I contact Transunion They fix the discrepancy then the following month place another late payment on my credit but changing the month the payment is alleged to being late. For example, if I file a complaint on a late payment in XXXX the change the late payment to XXXX and if I file a complaint on the late payment in XXXX they report a late payment for XXXX. 
This has been ongoing for over a year, they reported to the CFPB I made my XXXX payment on time then states XXXX was late but reports me paying {$200.00} in XXXX which makes it impossible for me to be 30 days late passed my previous payment. 
( See Attachment )
Consumer complaint received 2022-06-27
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. (LA)

There are several inquiries from financial companies and car companies that I did NOT AUTHORIZE! I tried contacting the bureaus but got the run around for months it's ridiculous. This is my 2nd complaint because I noticed 5 additional inquiries that I did NOT AUTHORIZE ......
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Consumer complaint received 2022-06-27
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. (LA)

There are several inquiries from financial companies and car companies that I did NOT AUTHORIZE! I tried contacting the bureaus but got the run around for months it's ridiculous. This is my 2nd complaint because I noticed 5 additional inquiries that I did NOT AUTHORIZE ......
Consumer complaint received 2024-08-26
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. (NY)

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 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Continental Finance Company, LLC (FL)

On XX/XX/2022 I made XXXX payments of XXXX and XXXX. I was only due an amount of {$35.00}. Later that same day all of my credit cards were stolen by a student. I call all the companies to have the accounts closed and be issued new cards. XXXX told me I needed to send in proof of new address in order to receive the new card. I have since sent in the information 3 times and have yet to receive my card. I called in early XXXX to inquire about making my XXXX payment towards my account and was told by the representative to hold off until I receive the new card. On XX/XX/XXXX I received notice from the credit bureaus that my score had dropped XXXX points for a late payment. I called and spoke to another rep and he told me he could see on the screen where the other rep told me to withhold payment and we disputed the charge only to be neglected. Neglected because i was never told that the XXXX payments of {$190.00} were returned back in XXXX. Returned because they waited over a week to seek the payment. Ok I tried my best to get them to retract the 30 days late to no avail. I make a payment of {$70.00} to cover XXXX 's missed payment and my XXXX payment. So now its XXXX and it says no payment due. I have screen shots. So im trying yo get my credit score in order so I pay {$55.00} on XX/XX/XXXX which brings my account under XXXX XXXX. I receive notice today from XXXX XXXX that my score decreased. Its from XXXX. The payment in the XXXX was counted as XXXX days late even though my account says no payment due. I thought payments had to be past 30 days to be reported. I called 2 times today. One told me she couldnt hear. The second gave a bunch of information that made nothing clearer and the 3rd hung up on me. Im now XXXX points down on my credit score and would like for the company to fo the right thing and correct my credit report.
Consumer complaint received 2024-08-26
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. (SC)

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 2022-06-27
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. (AZ)

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

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-27
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. (MN)

The following information on my Clarity Consumer Report is inaccurate and not my information : All of Check Cashing Details and information is inaccurate and not my information. The last time I cashed a check was in XX/XX/XXXX. I havent cashed a check since XX/XX/XXXX, all of the inquiries not seen by others are not my inquiries, the following personal information is incorrect and not my personal information : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the addresses listed on my Clarity are not my addresses, the only address thats my address is XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, I been living at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX since XX/XX/XXXX, All of the banking information listed on my Clarity Consumer Report is inaccurate and not mine. I have never had a checking account with a bank or credit union. All of the employment information is inaccurate and not mine. I have never had a job. Im physically XXXX. The following e-mail address is not my email : XXXX.
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC (MN)

An account just appeared on my credit for Genesis bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. 
I aonly have partial account number avail XXXX this is what I see. 

NAME XXXX XXXX Last 4 of XXXX XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. 

Do i need to find my bankrupty lawyer to suppot? 

Thank you all for your time.
Consumer complaint received 2022-06-17
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. (TX)

Attached is a Federal Civil Court Complaint and Subpoena for XXXX, XXXX, and Experian to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Acceptances by CAPITAL ONE on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor XXXX XXXX and UCC XXXX XXXX I state the following as facts. On the date of XX/XX/2022, CAPITAL ONE at XXXX XXXX XXXX XXXX XXXX, IL XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a CAPITAL ONE agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, CAPITAL ONE refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. CAPITAL ONE did not send my payment back to me within 3 business days and kept it for their own gain. CAPITAL ONE did not cure their dishonor. CAPITAL ONE gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple CAPITAL ONE departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department , about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CAPITAL ONE has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Consumer complaint received 2022-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Basically the credit company has restricted my credit card without my permission. I have important Birth certificate information that is private. I have important flight information they have restricted me so I could not fly. XXXX supposed move to another state with those reward points they have not tried once to resolve the problem also they send the phone call to the XXXX. Its simple take the card off restrictions. Keeps the calls in the XXXX
Consumer complaint received 2022-06-27
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. (TX)

I've submitted information showning that there has been false reporting on all three credit unions. They ignored faire credit report act, faire credit billing act and Texas credit law section. I've asked for of debit under 15 USC 1681 e ( b ) and 15 USC 1681 i of false reporting not 100 % accurate information. Section 16.004 of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is four years. They have ignored my fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ) by federal law to, verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report. Anyone paying for reporting services could fax, mail, or email fraudulent account. They failed to send back any physical proof of debit or validation of debit. All three bureas have failed to comply to my request.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

WELLS FARGO closed my credit card account which is a direct violation of 12 CFR 1026.11. WELLS FARGO did not release my funds held in escrow to offset the balance pursuant to 12 CFR 1026.11.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WA)

For the last few months I pay my credit card bill, the payment processes, the money is removed from my account, then I get my statement. My statement shows that my payment was returned, then i get charged a return chk fee for {$41.00}, a late fee of up to {$41.00} and the money is not returned. I also pay by debit card normally, if there is no money in the account, the payment would decline. I also noticed my birthday was changed from XXXX to XXXX. I went to XXXX in person to update this but, this can only be corrected by phone or e mail. I messaged them, no luck, I tried to call, The line just beeps. I also noticed a different account number which I also called and messaged about. I was given credit for my payment and fees last month. When I received my new bill it had be reversed back. As fast as I can correct my info it is sabotaged. i pay on time attempting to improve my credit, the company says to contact the card issuer, the card issuer says contact the place that took your payment. Im being sent in circles, even if the prob is temp resolved, Its only a matter of time before everyting I correct goes right back to where I started. This also happens on other accounts. This is unfair, how can I ever improve credit in a situation like this. I opened the account ending in XXXX in person with valid ID how can a birthday get changed? This problem is happening with all of my accounts, not just XXXX. I also have credit monitoring accounts being created and paid for, also freezing my credit under an account that isn't mine. Currently XXXX has an account in my name with a credit freeze, thats not actually an account I created or can access, I did write to them since I cant get thought to them by phone. This also is making it hard to refi my house. Im literally being taken from, then charged for it then add interest. 
This makes it impossible to improve my credit and impossible to get ahead on bills. This is just the beginning of issues. I do not think it is the company directly, I think someone has control or access that should not. I also had a UBI that I was unaware of and an ISO which is patent, I dont know if this may be related to my issues but im getting copy right infringement strikes and have never actually recieved any legal paper document or a response to what exactly im infringing, Making it hard to appeal because I dont know what exactly to appeal or who to adress the appeal to or what url was involved. Also I have been confirmed a victim of identity theft! I dont know how Ill ever get that under control when I cant even control a credit card account! The card I am using is my card, i recieve my paychecks on this card. It is a XXXX  all access card with XXXX bank. My employer is XXXX ( XXXX XXXX XXXX  XXXX wa. ), the direct deposit appears from volume services!
Consumer complaint received 2022-06-27
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, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-27
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. (UT)

In accordance with the fair Credit reporting act XXXX  Account # XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-27
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. (PA)

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 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX 3. XXXXDEPARTMENT OF EDUCATION 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 a account without my written instructions. 

15 U.S.C. 1681c. ( A ) ( 5 ) SECTION states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I notified Capital One Bank USA NA twice by certified mail return receipt with a Notary presentation included in regard to my consumer right to opt out of my transactions ( late payments ) being reported to consumer reporting agencies as stated by 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) ; the reporting of transactions and experiences. Capital One Bank USA NA never replied and continue to report my transactions during the dispute. They never gave me my disclosures as stated in 15 USC 6802 ( b ). 

Capital One Bank USA NA also falsely stated on my consumer reports that my dispute was resolved, and they never notified or addressed me about the substance of my dispute.