davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Account Name BANK XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Inquired on XX/XX/XXXX These accounts 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 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (FL)

I bought a car and made the first payment over the phone. I told them I wanted to set up Autopay. The autopay never came out, but I was unaware they failed to set it up and the customer service agents XXXX was so broken I couldn't understand anything they were saying. 

COVID happened, my wife got sick and was paralyzed as a result. I was struggling to take care of her and the household during COVID and the company hit me with multiple late fees XX/XX/XXXX to XXXX / XX/XX/XXXX. They repossessed the car. 

I called them and was surprised to hear they never set up autopay. I said I could pay a late fee and the past balance right then and there and asked them why they didn't do autopay to begin with. 

They told me I needed to pay the entire car loan in full or not get the car back. 

I needed the car to care for my XXXX  wife and deal with finding work during COVID. My mother trusts me and she took out a loan in her name with more interest, I paid off the company and am paying my mother back. 

1. I believe the CAREs Act protects consumers from having negative ratings on their credit if they are current on their bills. I paid off the car almost 5 years early. 

2. Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include .... - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Congress stated that experiences between consumers and the person making the report should be excluded from the report. The company lent me money, I paid them back. Legally, according to Congress, that is all that should be reported.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blackhawk Network Holdings Inc. (MT)

I have attempted to load funds i have in my digital safe with XXXX XXXX It account and have attempted numerous times to do so and have failed. I initially purchased XXXXxReload It Packs in the amount of {$500.00} each totaling {$2000.00}. It was a lengthy process to set up new account and at least 10 attempts over the course of a week. I purchased the packs on XX/XX/22 and it took me approximately a week to resolve this issue. I was only able load {$1000.00} and have not had access to my other {$1000.00} that was in my account. I have not been able to access my funds since and company has failed to resolve this issue.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

With Comenity Bank, I have both the XXXX  XXXX  XXXX  and XXXX XXXX. For my XXXX XXXX XXXX, I have been trying to make a payment since XX/XX/XXXX since my payment is due on the XXXX of each month and have not been able to log in. It stated the system was updated. Have checked every day and it states it is still being updated and it has now been going through a " planned system update '' that has been taking a long time now. I've called to make a payment by phone and no one answers either. I just want to make sure I don't get charged a late fee and have my credit score go down. When I call it states their offices are closed ... and now even my card is being declined. 

For my XXXX XXXX account, the same thing is happening. I can not log in, that payment is due on the XXXX and I can't seem to log in either.
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX all of the above XXXX have violated my rights. 
15 U.S.C 1681section 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 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) -XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX filed a 120 day late payment on XX/XX/year>. 

I was in a forbearance that went on far beyond XX/XX/year> through an extension. 

I called XXXX XXXX about this late payment filed on my credit report and they falsely stated they never filed this late payment on my credit score.

I can not rectify this mistake because XXXX XXXX keeps denying they have made this claim against my credit score.

I was in forbearance and this late payment is a false report that needs to be removed.
Consumer complaint received 2022-06-28
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: SYNCHRONY FINANCIAL (PA)

Someone has opened/obtained a credit card under my name. The account was opened on XX/XX/2022 with SYNCB/PPC with a {$3000.00} credit limit. There is a charge of {$2900.00} on the card. The banks address is : XXXX XXXX XXXX XXXX FL XXXX, ph # XXXX. 

I did NOT open this account. I have never received anything in the mail as far as a statement or any other information from the bank that issued the card. I want this this account shut down and removed from my credit report. 

I had a great credit score prior to this incident. 

Your assistance in this matter is greatly appreciated.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (WA)

I had a XXXX XXXX card taken out in my name that i did not physically apply for in XXXX, when i contacted them about the issue they couldn't tell me how a card was approved in my name that i didn't apply for even after explaining this to them they refused to work with me and told me i was responsible for the charges made then they closed the account and marked.it as a charge off in XXXX the account has XXXX dollars worth of charges. Now its on my credit report and equifax wont work with me either even after contacting them about the issue and explaining to them it is a fradulent account.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}
Consumer complaint received 2022-02-06
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my XXXX, Transunion and XXXX credit reports and immediately identified 2 XXXX XXXX  credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2022-01-12
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 (TX)

I was over charged for late payment. 
{$39.00} I paid on time due to the fact the bank was closed for the Holiday so, I called and they removed the late fee but place the late fees as a part of the payment So, instead of paying {$140.00} they want me {$180.00} which is not fair the late fees were place on to the payment
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. (TN)

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to inform you that I have been a victim of a data breach, which has resulted in unauthorized accounts and inquiries being added to my credit report. As a result, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted in accordance with my rights under XXXX XXXX  XXXX ( a ) and FCRA XXXX ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$76.00}
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-01-12
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. (GA)

Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CreditNinja Lending, LLC (TX)

On XXXX XXXX someone took out a fraudulent loan in my name using my information. {$1000.00} was sent to a bank account at XXXX XXXX, which is not my account. The time has passed and Credit Ninja was trying to collect the amount. They sent it to a credit collection company and it showed up on my credit report last month as a collection. 
The amount to repay is {$2500.00} and that is what is on my credit report.
Consumer complaint received 2022-01-12
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)

I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!