davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One credit cards reported late and missing payments to my credit report. 
I had never seen a statement from them so I called customer service. The lady I spoke to said she could see that I in fact had NEVER received a statement from them. Due to a computer issue on their end the monthly e statements always got bounced back. I know by law the credit card companies must provide and statement along with periodic billing. 
Capital One did not. I have written and asked for proof of statments and have never received any. 
It is my opinion that since Capital One never provided me a statement or billing the negative items on my report should be removed. ( The card has now been paid in full ) I do not know how I am to be held accountable for making on time payments to a credit card company that did not provide billing statemtents in any form to me.
Consumer complaint received 2022-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc. (NJ)

I had called my health XXXX XXXX XXXX to make sure I could use The XXXX XXXX XXXX XXXX XXXX. I called to make sure I was covered and my co pay was maximum savings. I was told by the XXXX representative that I was covered and my co pay would be {$20.00} per XXXX XXXX visit. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX New Jersey XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX. 
These are the dates of each XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and last visit XX/XX/XXXX. 
At each of these XXXX XXXX  visits I paid a {$20.00} co pay which was requested for me to pay at each XXXX XXXX session at XXXX XXXX which had my XXXX XXXX XXXX in their files. 
Approximately XXXX months after my final XXXX XXXX session I received a {$360.00} bill from the XXXX XXXX in which they claim that my co pay should have been {$50.00} per XXXX XXXX session. After one written appeal and one telephone verbal appeal to " XXXX '' from XXXX were denied. 
These appeals were to XXXX because after speaking on XXXX separate occasions to The XXXX XXXX XXXX department " XXXX '' on XX/XX/XXXX and XX/XX/XXXX and " XXXX '' on XX/XX/XXXX they stated that I was being " Billed Out of Network '' and that according to my insurance I was a " XXXX XXXX  In Network '' customer of XXXX and my co pay would be {$20.00}. 
XXXX refused to pay XXXX  XXXX XXXX the extra {$30.00} per XXXX XXXX session and now XXXX  XXXX XXXX sent me to the XXXX Wyndham Professionals, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing collection agency and I received the bill dated XX/XX/XXXX.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX due to how I am being perceived due to these negative items.
Consumer complaint received 2022-08-06
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. (GA)

I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking XXXX, XXXX, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts
Consumer complaint received 2022-08-06
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  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-08-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (GA)

WE ARE REQUESTING ALL DOCUMENTATION FROM XXXX XXXX  TO INCLUDE PAYMENT LEDGER RELATED TO THE FOLLOWING ADDRESS AND INDIVIDUALS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE MORTGAGE IS CONNECTED TO THE FRAUDULENT XXXX XXXX LOANS TAKEN OUT BY XXXX AND XXXX. XXXX CURRETBLY SERVICING 15 FEDERAL SENTENCE FOR DEFRAUDING BUYERS, STAGING FRAUD CLOSING AND MORE. 

NUMBEROUS LOANS WERE TAKEN OUT BY XXXX XXXX AND PARTNER XXXXXXXX XXXX WHO THEY PAID A PORTION OF THE PROCEEDS. THE XXXX WOULD BRING THE LAWFIRM NEW CLIENTS UNDER THE PRETENSE THERE HOME WAS GOING INTO FORECLOSURE WITHIN 24 HOURS WHICH WAS NOT TRUE. 

OUR INFORMATION WAS USED BY THESEE INDIVIDUALS TO TAKE OUT FRAUDULENT MORTGAGE LOANS UTILIZING OUR NAMES AND CREDIT
Consumer complaint received 2022-08-06
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. (MD)

To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY EXPERIAN AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! 
I ALSO SENT THE PROOF AGAIN VIA EXPERIAN.COM/UPLOAD SO YOU DEFINETELY CAN NOT SAY YOU DIDN'T GET IT. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-06
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. (OH)

When I disputed the NORMAL route they considered it as VALID and meeting FCRA requirements and left this damaging account on my credit file. 

The fact that credit bureau 's took the creditors word for it that the debt was valid also holds them ACCOUNTABLE! 

I can take legal action against all parties that FAILED to do their DUE DILIGENCE AND verify my claims that the debt was inaccurate. 

Inaccurate includes open date, and date last active.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accorda

nce with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 an 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 1681 s-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. 


XXXX XXXX- ACCOUNT XXXX
Consumer complaint received 2022-08-06
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. (OH)

Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXXXXXX XXXX GA XXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX  GA XXXX Identification number XXXX Account name XXXX  Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name THE XXXX XXXX Account 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, Experian and XXXX.
Consumer complaint received 2022-08-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-06
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. (FL)

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms XXXX On record until XX/XX/XXXX 2027
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK (AL)

Hancock Whitney Bank located in XXXX Alabama authorized {$2800.00} be withdrawn from my XXXX XXXX XXXX XXXX account with a method of ACH which I am not familiar. The transaction occurred on XX/XX/2022. I received a letter from Hancock Whitney Bank advising me that a HOLD ALL FUNDS had been placed on all accounts. The bank stated that they had identified one or more items or transactions as possible violations of the terns of our Deposit Agreement. or they had received notice of possible claim to the funds at Hanck-Whitney Bank or party to an item or transactions I immediately went to the local branch in XXXX  AL and the information was explained by XXXX XXXX , banker, that I didn't authorize his transaction and I went to file a complaint against XXXX XXXX  XXXX XXXX XXXX I do not know anything about this company and have never done any business with this company. They have taken my funds using an ACH wire transfer. XXXX XXXX is the bank that requested the funds from Hancock Whitney Bank. Hancock Whitney Bank is stating I waited too long to file a claim against XXXX XXXX XXXX XXXX XXXX. I should have done so within two days of the funds being transferred. I was never made aware of the funds had been transferred until the US Postal Service deliver the letter to my mailbox. I need help because Hancock Whitney Bank is stating I waited too long. I thought all banks in the USA had insurance against thief of money especially since they sent my funds without requiring my signature on any forms. Does the law protect the bank NOT the person who trusted the bank to keep their hard- earned funds safe? I need help.
Consumer complaint received 2022-08-06
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. (SC)

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 Account DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX # # # # # # 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 .This was a fist step towards attempting resolution. 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 60days 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-06
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: Bread Financial Holdings, Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.
Consumer complaint received 2022-08-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (VA)

This is a new complaint. 

This matter involves I, XXXX the living man, ( consumer ) a victim of ALLY FINANCIAL BANK, INCS ( AFB ) deceptive practices by falsifying ; altering a signed contractual instrument with the intent to defraud. 

On XX/XX/2022 I submitted a complaint to the CFPB. 

On XX/XX/2022 AFB presented an altered contractual instrument ; deceptive forms to the ( CFPB ), Case No. XXXX [ Exhibit A ] with forged signatures after signing vs consumers copy which has no such signatures nor stamps. [ Exhibit B ] Also, I would like to mention I am a victim of XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) misconduct in connection with the extension of my credit ( s ) ; by reporting fraud on my credit file & consumer report without proper verification nor investigation. [ Exhibit C ]