davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit act XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I kept receiving calls from s company called genesis. When i finally got a chance to answer their call, it was brought to my attention that i have {$2300.00} in unpaid rent at a unit that ive never lived at.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX, a federally protected consumer. I am making this complaint against EXPERIAN because they are in violation of the FCRA. I sent a letter out on XX/XX/2022 that was received and signed by an employee of EXPERIAN on XX/XX/2022 that is confirmed via return receipt which I have attached as Exhibit A. In the letter, I stated that there were names and addresses that shouldn't be on my consumer report and how my name and address should appear on my consumer report, which is my federally protected right per 15 U.S. Code 1681b ( a ) ( 2 ). When I received my updated credit report from EXPERIAN, this request was completely ignored and they kept these incorrect names and addresses on my report despite me sending in identification to verify myself. EXPERIAN is responsible for being fair, providing equal treatment, respecting my right to privacy per 15 U.S. Code 1681 ( a ) ( 4 ), and practicing due diligence in ensuring complete correctness, which they have miserably failed me. I provided explanations of why these addresses should not be on my credit report, which I have attached as Exhibit B. EXPERIAN has appointed themselves in a role that has affected my life ( without my permission ) and with that, is suppose make sure that the information is to be fair and equitable to me, but it is not. It is only fair and equitable to them.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Hello, I monitor my credit on a daily basis. I currently have 4 derogatory marks on my credit report, 3 of which are through a debt collection company, otherwise known as, Portfolio Recovery Services. Portfolio Recovery has continued to show that I currently owe " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX '' all 3 of these different debt collection amounts ( I'll include dates for each amount, each amount is it's OWN collection account as well ). First : {$1000.00} Origination Date : XXXX. Second : {$730.00} Origination Date : XXXX. Third : {$500.00} Origination Date : XXXX. 
All three of these debts show that XXXX XXXX was the original lender. 
I've disputed all three through XXXX XXXX on both my XXXX and XXXX reports but to no avail. 
Now, the problem is, I've only ever been approved for 2 XXXX  XXXX credit cards, both were XXXX XXXX XXXX cards and both had a limit of {$300.00} with the exception that one of them had XXXX cashback option and the other had a {$150.00} Cashback option. If I remember correctly, I was accepted for my first XXXX  XXXX card in XXXX or XXXX and I honestly can not recall if I ever even made one single payment on it ; it is a possibility that I did not. 
Strangely enough, in XXXX, I applied for yet another XXXX XXXX XXXX card and was approved for a {$300.00} limit with {$150.00} Cashback. XXXX was a year of extreme financial hardship for myself and my family, so I don't think I ever made a payment on it either. 
I am aware that credit cards have fees included and especially high fees on Cashback, but there is absolutely no way humanly possible that two {$300.00} limit credit cards, that I defaulted on, could ever equal the total of the three accounts that Portfolio Recovery Services is showing that I owe them. 

- Thank you for your service and for your time. I appreciate your assistance in this frustrating matter.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On Thursday XX/XX/XXXX I was scam by a tutor. How I met this person was through XXXX. He claims to be a tutor and offer up services including help with essays, assignment, tests etc. I contact these individual by the name XXXX. I contact about needing help to pass a test. He first charged me XXXX, but I later told him no and I give him XXXX. I trust him because He even post me his testimony and reviews he got for working with other students. After I pay He did assistance me on the but didnt follow up truthfully of the agreement. on the day of the test there was issue and I couldnt take the time in that hour. I contact him about this issue and that I need to reschedule my exam and he told me that it will be a XXXX reschedule fee to give him. I did a I scheduled that test for a different time that say. Still it was given me issues and I had to canceled the test again.The programmer was having issue with me taking the test online and wanted me to take it at a test center. I contact him about refund my money and he said no. The services were no refundable and that I was scared. Its funny to me that he said this because previous he told me that he will return me if I didnt get a A or B. The money that I transfer was through Zelle  with XXXX. I contact XXXX  to see if they can reversed the transaction and they said no because they have no recovery rights to do so. I contact Zelle and they said that there nothing that they could do even though I file a dispute to XXXX  about the transaction and XXXX  telling me the Zelle decline my dispute. I want my money back. I was scared heavily and Zelle isnt doing nothing about it.
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-10
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: SLM CORPORATION (CA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. XXXX XXXX XXXX XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX XXXX XXXX XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX XXXX XXXX XXXX WERE SENT A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX XXXX XXXX XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2022-06-28
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. (FL)

I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2022 on Friday, I went to XXXX XXXX to try and finance a car. I told the agent the vehicle I wanted and shortly after I was told that in order to get the car I wanted I would have to put more money down or get a co signer. I asked the agent I was working with as well as her manager what banks they tried to go through, as well as their address and phone number. I was told that they could not tell me and that I would receive a letter in the mail with information I required. I was told there was four banks and I only received one letter. On XX/XX/XXXX. XXXX  I received an adverse action from Capital One, the letter stating I was being denied. I then called Capital One to inquire why this was the case. I asked for what laws stopped you from approving me. I was then told that it could have something to do with my credit report. I replied with the following three USC laws. 15 USC 1602 ( f ) which tells me credit is my right, 15 USC 1603 ( p ) that makes it clear that fraud was committed by taking my credit card without authority and I received no benefit, and 15 USC 1691 ( a ) ( 3 ) that states I can not be discriminated against for exercising my rights. Which he then replied that no human is actually in charge of the process and it was done through computer automation. I called XXXX XXXX I was trying to figure out the price of the car I was denied for, when looking up the information I was told that there was no car on file. When I asked how this is possible I was told that someone would call me back with no time or reason even though I was talking to a manager of the sales department.
Consumer complaint received 2022-04-24
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. (MS)

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX XXXX XXXX XXXXXXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the FCBA, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Consumer complaint received 2022-09-10
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-10
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: National Credit Adjusters, LLC (GA)

In accordance with the Fair Credit act NCA 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 states a consumer 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: 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. (CA)

TransUnion and XXXX have both failed in correcting in accurate information only my credit report. I filed a dispute over my XXXX XXXX XXXX student loan what was not valid nor accurate. As well as the lack of information provided by both has been null. I request validation of the debt as well as proof of late payment. They both sent me nothing but stated they were verified without proof.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

A Capital One " 360 Checking Account '' was opened in my name without my knowledge or consent. When I phoned Capital One, I was told by a representative in their security department that the account was opened online. However, when I asked for the device ID and location of the party who opened the account, the Capital One representative stated that they would not provide that information to me. The rep stated that I would have to contact law enforcement, but would not explain which jurisdiction or agency I should contact. The rep assured me that the account would be closed and that no one could use it. However, two days later I received an email asking me to fund the account. Because XXXX XXXX was caught illegally opening accounts, I am suspicious that the bank itself may have done this. If they did not, then they should help me identify the party who opened it.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I attempted to get my annual credit reports from XXXX, XXXX and TransUnion. I did receive the XXXX and the XXXX reports. When at the final stage of processing the TransUnion report, the TransUnion system said there was a temporary error on their end. I then proceeded to call TransUnion and also to go to my account login. I have been unsuccessful in both of those attempts. When I login into my account, I immediately receive a message that TransUnion is experiencing a temporary difficulty on their end. I have spent many hours since XX/XX/XXXX trying to access the account and have contacted TransUnion numerous times. I had also on the initial call to request a copy of my annual credit report by mail. I have still not received it. Since I had previously had a fraudulent purchase through XXXX that required the issuance of a new card, it is most important to be able to check my report and information on the TransUnion site. I am trying to resolve this issue and am reaching out to the cfpb.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I applied for an XXXX XXXX XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check. 
2. I do not pay my credit card balances. 

I contacted XXXX XXXX and I was told to reach out to Experian where they get their information. Experian stated and confirmed I do pay my credit cards on time and I am not late. I have 3 consumer cards with XXXX XXXX and I have never defaulted or made a late payment. I then asked Experian who is writing bad checks in my name? XXXX XXXX told me I had returned checks. They stated that they have no bad checks on my credit report. XXXX XXXX wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-23
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.