davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Experian and XXXX credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with Experian and XXXX credit bureaus. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the accounts via FCRA. They have failed to remove the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts be verified nor be corrected from my report immediately : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.
Consumer complaint received 2019-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

i have tried to contact experian/XXXX / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-08-16
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$310.00}
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

I have been having an ongoing issue where I have been unable to view my credit report on My Equifax since XXXX. I have made numerous calls to complain, submitted proof of identity, and even upgraded to a paid subscription, and still can't get this resolved. I have requested to delete my entire account so I could start fresh hoping that would fix the issue and was told that is not possible. Every time I call they tell me the issue has to be escalated and to wait for an email that it has been resolved. It has never been resolved and I never received any emails. With the paid subscription I should be able to see my scores from all 3 agencies and even the scores they are showing are incorrect. No one wants to help and when I try to get a supervisor I get the runaround or transferred back into the queue or to a survey.
Consumer complaint received 2023-08-16
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: Denefits LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-16
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)

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 Account Name : XXXX XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX, XXXX XXXX XXXX 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 my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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 seven years.

5 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (CA)

I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I rented a car with XXXX XXXX a car LLC. For this car I used my capital one 360 checking account with my debit card. Initially I was only renting for a week or XXXX due to my personal vehicle needing repair. The rental was from XX/XX/XXXX - XX/XX/XXXX in police custody until XX/XX/XXXX. There was also a hit and run accident on XX/XX/XXXX which has a claim with my insurance company XXXX. On XX/XX/XXXX XXXX charged my account {$3200.00} for the rental without sending me an invoice or any follow up about the accident. XXXX then charged my account again on XX/XX/XXXX for other fees for {$280.00}. This has left my capital one 360 checking account negative {$3400.00}. I submitted a dispute in XXXX because XXXX should have done their due diligence and contacted me before processing any payment especially with the vehicle being involved in an accident! After I sent in the dispute that is when XXXX sent me an invoice on XX/XX/XXXX. They validated the chargeback! Now come XX/XX/XXXX I was emailed a request for payment from XXXX for the amount of {$3500.00} with all payments considered through XX/XX/XXXX. They continue to send this demand for payment. I have reached out to both companies! Capital One insists it has been paid through them. I can only reach XXXX via email and I have provided them with copies of my bank statement to prove the debt was paid from Capital One! How can I owe XXXX companies for the same debt? This has effected my ability to use my bank account, XXXX and negatively impacted my credit!
Consumer complaint received 2023-08-16
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. (TX)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-16
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. (OH)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a cons
umer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Inquiry from XXXX XXXX XXXX that I do not recognize. XXXX XXXX XXXX has been contacted and told to remove this hard inquiry form my credit report as inquiries are hindering factors in some cases when you are trying to obtain credit. FTC report was filed for my protection.
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (KS)

I received my credit report showing Kansas Counselors as a collection agency. The listed account was XXXX. I sent certified letters XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. In the first letter, I requested verification showing this debt belong to me. I have consistently asked for this information. Unfortunately, they have not provided the documents I have asked for ; however, they continue to communicate with the credit bureaus this debt is verified. Due to this inaccuracy, my credit score continues to decrease, my credit offers come with high interest and most times I am denied credit. I am need of your assistance in this matter.
Consumer complaint received 2023-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Apex Processing (OH)

I contacted your company in regards to the Apex Processing center. This company was suppose to assist me with consolidation and managing student loan payments. I submitted a claim with your company the beginning of XX/XX/2023. I did immediately receive a response from an Apex representative. He told me all these things they have done with my account. I have contacted both of my lenders and my loans were never consolidated back in XXXX of last year as they claimed. I believe I was frauded. The representative that called me after I filed this complaint was to personally, his words, call me back in 2 weeks and that call never came. My contact info has not changed. This company took money from me and did not do what they said they were going to. I want them to not have anymore access to my student loan accounts and to refund the money they received from me for services they did not, and I totally have proof, they did not provide. 

XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating that they do not accept any other forms of payments besides Federal Reserve Notes, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

An unauthorized debit by XXXX XXXX was made. XX/XX/23 I called XX/XX/23 tothe bank before the money was debited. I told them the purchase was unauthorized for {$420.00}. I was told it had to be processed ; eventhough, I told them it was fraud. 

I was told to call back once the money was taken from my account. 

I called back filed a fraud claim XX/XX/23. However, i filed a second fraud claim as another debit occurred unauthorized, which money ( {$50.00} ) was taken from my son 's account, which was refunded. 

My claim was denied 2 times and they will not give reason. And has taken XXXX almost 6 months to give reason. 

I asked for documents and have been denied that as to reasons why I got denial information that is insufficient and a denied request as of XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX, my husband and I learned from the IRS that we were victims of tax fraud with someone submitting a XXXX Form using our personal information. We've spent the last several weeks trying to deal with this by contacting the IRS, FTC, and various credit report companies. This has been especially difficult to navigate due to the covid crisis and most call centers being limited in their capacity. 

When we created an account with TransUnion ( XX/XX/XXXX ), it forced us to enter our credit card information in order to proceed further. We both provided this information, assuming it was needed as part of the verification process. Instead, we received a follow-up email on XX/XX/XXXX showing an order confirmation for a monthly " subscription product '' for credit monitoring. We were NOT aware that we had signed up for any services and would be charged ; instead, we were trying to set up a credit freeze and fraudulent alert. The monthly charge for this subscription service was $ XXXX for each of us. 

We attempted numerous times to contact a customer agent at TransUnion, but got no assistance other than being transferred to another department that led to an out-of-service number. We were able to cancel both subscriptions online, but did not get a refund for the initial monthly charge and have no recourse for reimbursement for one month automatic charge. The email confirming the cancellation also states that our credit report will be unlocked after our subscription ends at the end of this month.
Consumer complaint received 2023-08-16
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.