davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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)

Experian has been sharing my information with out my consent Under Experian Privacy Policy It States -We share your personal information with third parties you expressly authorize, consent to, or direct us to share your information with. We may also disclose Personal Information about you to other contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them. For example, we share information when you request products or services offered by lenders, insurance companies, and other companies that we partner with. We also share information when you ask us to access data from your financial, insurance, and/or other accounts through one or more of our third parties. We may disclose Personal Information about you to a utility service provider for bill negotiation services if the disclosure will enable the utility service provider to perform a business professional transaction. They dont have my permission to Share my information The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Requesting Experian to Provide the CFPB Consent I gave them to share my information in my credit report to third parties and the affiliates and partners.
Consumer complaint received 2022-08-31
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. (VA)

My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, TransUnion and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my XXXX, TransUnion and XXXX credit reports. I also would like for the following company XXXX XXXX loan account to be removed from my TransUnion, XXXX and XXXX credit report. All three accounts was fraudulently open without my consent.
Consumer complaint received 2022-08-31
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
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 am reporting dispute charges for my CapitalOne credit card ending in XXXX. 

My XXXX and I have been living in central XXXX over XXXX years now. Unfortunately, recently our identities were stolen by a thief in XXXX, XXXX. We realized when some of our credit cards including XXXX, XXXX and CapitalOne were requested to be delivered to XXXX address. We made multiple calls to report the fraud to the credit cards companies, and we have reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, XXXX. 

On XX/XX/XXXX, I received a bill statement from CapitalOne, the statement shows a transaction on XX/XX/XXXX, FAST CARD FEE of {$16.00} which I believed it was for delivering a card to the thief in XXXX. We called CapitalOne immediately to report this charge and also requested to close my account. Lately I received a confirmation letter of cancellation from CapitalOne. However, on XXXX XXXX, I received a new bill statement from CapitalOne for {$32.00} including PAST DUE FEE of {$16.00} on XXXX XXXX. My husband and I called CapitalOne right away to try to clarify this issue, and we spent over two hours to talk to two different representatives and still did not solve the issue with the bill. Very disappointed and much frustration. CapitalOne either is purposefully attempting to exploit its clients by handling fraudulent and dispute issues, or its employees are so incompetent that multiple calls with countless times have led to my going in circles with various departments, staff, and managers without resolution. Either way, CapitalOnes lack of action is extreme and outrageous. It should not take contracting your customer service line at a lot of times to resolve this issue. CapitalOnes lack of action has caused severe XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2022-08-30
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. (NJ)

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

I was awarded a {$200.00} digital mastercard for taking part in a research study earlier this year ( around XX/XX/2022 ). I have tried using it online various times throughout the year only to have the card declined. I tried calling the company only to either be put on hold and disconnected or go straight to voicemail telling me their system is down. There is no other way to contact this company and I have read other complaints online that are identical to my experience. 

My card is due to expire at the end of the month ( XX/XX/2022 ) and I'm worried that I won't be able to use the money. I even tried requesting a physical plastic card but that my request for that was also denied. 

XXXX is the website used to view the online card. 

Please let me know if there is anything that can be done. 

Thank you!
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MD)

Re : acct # XXXX XXXX XXXX XXXX XXXX  XXXXTD bank, Bank address XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I have been a victim of card cloning and TD bank is further victimizing me by ignoring my disputes. MULTIPLE charges were made at a gas station in Florida, amounts over XXXX each, I have disputed these multiple times and TD bank is ignoring me. 
At the time of these charges I was in XXXX having a surgical procedure and stayed at XXXX different hotels ( copies attached and further copies will be provided IF required to prove I was not in Florida pumping gas ). In addition the charges were reported AT a branch in XXXX, IN PERSON and a new card was issued to me after the disputes were submitted in person at the Branch location. 
The day I noticed the fraud, I went to a local TD bank Branch location in PERSON in XXXX and submitted the disputes there. 

I know my first and last name are of XXXX XXXX origin and this automatically has caused TD bank to toss over my dispute. I DID NOT go to Florida, I did not make those charges and If I am being accused of lying, then I am requesting a video surveillance of the gas station image of the person who pumped gas and visited the gas station in Florida. 

I am being discriminated and victimized by TD bank and this matter is causing pain and distress and undeserved financial hardship. 

My contact info ( XXXX ) XXXX
Consumer complaint received 2022-08-31
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned oXXXX XXXX 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 2022-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (IL)

I received a letter from a collections agency stating that I owed an auto insurance company money from an accident that I was never involved in. I called the collections agency to tell them about my innocence in this case. They provided me with more information and it turns out the I am being misidentified. I have explained this to the collections agency already XXXX times over the phone and they still keep sending me a letter and calling me about what is owed.
Consumer complaint received 2022-08-31
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 this may concern I am writing to update my credit report with the correct information. I am a victim of identity theft an did not make the charges on my credit report. all correct information for all 3 credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account. I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.
Consumer complaint received 2022-08-31
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 XXXX Account Number : 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 2022-08-31
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)

This complaint is not being filed by a 3rd party and is not a duplicate complaint.

In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT ED/XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (VA)

I've contacted Experian and XXXX Via certified mail and phone XXXX, XXXX and by phone XXXX clarifying and confirming that the other addresses never belonged to me and that they are still on my credit report. I included my ID, utility bill and SSN so they can verify my only address and name.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate
Consumer complaint received 2022-08-30
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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