davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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, 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 ok payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-03
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The former XXXX account number is XXXX, and this account is reporting to my Transunion, XXXX, and XXXX credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed XXXX times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on XXXX and Transunion, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on Transunion report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting XXXX negative months on XXXX, but only 7 negative months on Transunion and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for XXXX additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc. (KY)

this company is trying to collect a non existing debt, they mailed a letter requesting payment and I replied denying the debt since it is non existing, and I never had any relationship with this collector agency. Their response was to mail the receipts form my kids dentist and show " the debt '' amount by {$53.00}. Also included in this response they requested this debt to be reported to the consumer reporting agency as disputed, even if it hasn't been legally demonstrated that is real and existing ( which they won't never do, since it is not real ). 
Also they had never shown they legally own the " debt '' nor they legally represent the dentist in the complaint. To make thing worst, as part of their " bills/receipts '' to show the debt, it is clearly expressed the odontological history from my kids, which rights has been violated since I signed a HIPAA agreement with them, and now it is in hands of a collection agency.
Consumer complaint received 2023-03-09
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. (FL)

On the evening of XX/XX/23 I filled out a prequalify for auto financing with XXXX XXXX XXXX. The site specifically states NO IMPACT TO YOUR CREDIT SCORE meaning they do a soft inquiry. Next thing I know the morning of XX/XX/23 I get an alert that a dealership who I have never heard of or spoken to called XXXX XXXX pulled my credit and I got a hard inquiry which dropped my score. I gave NO authorization for this and told them to remove it but I am doubting they will do that so I am escalating it and if they still dont remove it I will be filing suit for their deceptive and fraudulent practices.. I did not agree to have my credit pulled let alone by a dealer I have never even heard of or spoken to.
Consumer complaint received 2022-05-03
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 (MA)

I applied for a credit card with capital one the first time I was advised that they couldnt proceed due to incorrect phone number on my fraud report so I said ok let me fix this so I fixed it with every bureau I tried to get the existing app processed I was told no they cant do that cause info is wrong on their end I said ok something needs to be done here the rep decided to run my credit again with out my auth saying the same thing which isnt correct cause it was indeed updated I even got confirmation from the credit bureau then I try to get these inquiries removed speaking to multiple managers being told no cause its my fault when in reality I was misadvised by multiple people and its their company error reason my credit been ran 3-4 times
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX/ACCOUNT # XXXX ) Has violated my rights
Consumer complaint received 2023-06-26
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  Account ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX  XXXX bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : XXXX Account Name : XXXX XXXX Account number 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/21 at approx XXXXXXXX XXXX I visited the Bank of America at XXXX XXXX XXXX in XXXX XXXX. 
I had received my XXXX  bonus from my employer XXXX XXXX, which was XXXX. 
I was charged XXXX to cash the check and yes I agreed to pay it cause I definitely needed the money. No, I do not have an account at this bank. Yet, it is my companies banking institution. 
So this is more of a question than a complaint, is it not robbery for a banking institution to charge for cashing a payroll check thats written on their bank? I mean think about it. The payer still has the full check amount deducted from their account and the payee has to pay for having the check cashed. In this case the bank profited XXXX on this transaction. 
Please explain how this work. 
Thank you
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

For almost 4 years I have been complaining regarding a stolen XXXX card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX Experian XXXX XXXX. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was charged a full amount of ( {$1100.00} ) by a rental car agency falsely claiming that it is a hold/security deposit on my card due to a minor scratch found upon return inspection on the front bumper of the rented car. 

The hold/security deposit was described as necessary to allow the car rental agency to get an estimate for the repair and provide backup documentation to myself and insurance company. since then there has been NO communication or evidence provided by the rental agency to myself and insurance company despite efforts by myself and insurance agent ( attached emails ) to contact the rental agency. 

This was disputed with Capital One and despite providing all the documentation and the rental car agency being unresponsive to Capital One, Myself and insurance company during the 90 day investigation period, Capital One proceeded to put the full charge back on my account. after speaking with Capital One representatives, they were unwilling to correct this mistake and charge.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter challenging the information TransUnion is reporting on XX/XX/22. so far its been 30 days and I have not received a respond from my dispute. The account XXXX XXXX information is inaccurate, the opened dates are different from each report and is missing lots of information, this account is not mine. XXXX and XXXX have already removed the erroneous account from their system.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2022-05-20
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. (NJ)

In accordance with the fair credit Reporting act XXXX 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXXL Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I received an alert from my credit monitoring service on XX/XX/2020 that my credit card with XXXX via Comenity Capital Bank had been closed. I contacted their company that same day. My account was paid on time and had no issues. After speaking with their rude and unhelpful customer service agent & supervisor, I was informed that it was closed due to inactivity and that I would need to reapply for the account again. The account was closed on XX/XX/2020. There was no prior notifications sent from Comenity and they didn't have the correct address on file for me. The reason for inactivity is due to COVID-19. This a card that can only be used at XXXX Facilities which have been closed since XXXX in my area. Also, this card is for car related repairs but again due to COVID-19, I have not used my vehicle due to government mandatomed quarantine.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NC)

XXXX XXXX XXXX # XXXX made several materially false statements about his ability to offer a construction loan in order to secure my application. After receiving my application, he retracted all previous statements and informed me that he could not assist me. XXXX misrepresentations led me to apply with Cross Country XXXX # XXXX which negatively impacted my credit score and creditworthiness with other lenders. XXXX misrepresentations include : - credit score requirements - interest rate - cash at closing requirements - down payment requirements
Consumer complaint received 2020-08-25
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. (OH)

Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on TransUnion # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.