davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I have made a significant payment toward my balance. It is now less than {$100.00}. It has been very hard for months to just pay my bill and now After 8 calls, a representative told me that they have an issue with the system and I'd have to ask a supervisor or someone of the sort to send a letter to the credit bureaus to force the update. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Consumer complaint received 2022-10-04
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (IL)

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

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-04
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. (IL)

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

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Rule 9037. Privacy Protection for Filings Made with the Court. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In recent months, I have diligently sought the removal of inaccurate information from my credit report, a request that another credit reporting agency acknowledged, verified as inaccurate, and subsequently rectified. Regrettably, your lack of response, or responses that I deem frivolous, reflect a disregard for FCRA regulations and my request for verification.

To afford you the opportunity to rectify these discrepancies and comply with FCRA regulations, I am extending one final chance for you to correct the errors and update my records. Specifically, I request the prompt attention to and resolution of the following account details within the next 30 days : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00}
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One froze my card and told me to send in some documents to have my card unlocked. 

I did so and they still havent unlocked my card. I advised them that I live in Florida and we just experienced a hurricane and I really need my card unlocked. 

They still have my account locked.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I would like to remove the authorized user account XXXX XXXX XXXX Credit Card with a {$5000.00} credit limit from my credit report. I do not want it to be on my credit report anymore.
Consumer complaint received 2024-01-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I received two American Express eGift Cards from my employer, one for {$100.00} in XX/XX/XXXX, and one for {$200.00} in XX/XX/XXXX. 

The first, for {$100.00}, I successfully added to my XXXX  " wallet '' and used {$26.00} on XX/XX/XXXX to pay for an item. I later wanted to transfer my unused amount to an XXXX gift card, on XX/XX/XXXX, and XXXX  not only declined the payment but also locked my account temporarily. I was never able to purchase my gift card. I then attempted to use this same Amex eGift card on XXXX to purchase goods, and was again declined and my account locked. 

After that experience, I decided it would be best to use the remaining eGift card for {$200.00} at a physical establishment, a restaurant in XXXX, XXXX named " XXXX ''. Our waiter attempted to use the card several times on XX/XX/XXXX and it was declined each time. I had never used or added this card to any commerce website. 

This morning, I tried to ascertain the available balance on the {$200.00} eGift card, and the AMEX site https : //balance.amexgiftcard.com would show me the card was valid and had no transactions against it but would not show available balance. After reading testimonials from others online regarding AMEX eGift cards, I believe it would be impossible for me to use this card in the manner it was intended, either physically or on-line, and would like my remaining balances mailed to me.
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and Account Resolution Services and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KS)

I requested XXXX to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

XX/XX/2022 Bank of America called me about a past due amount on a credit card. I had forgotten that i had this credit card. After investigation, I learn that a co-worker had stolen the card from my desk. This co-worker is in a HR department that has access to my personal information. This Co-worker changed the phone number, email address, and mailing address to their address. They charged {$23000.00} on the card. After having conversations with the bank, and several months, I have learned that they closed the case. On XX/XX/2022 I attempted to reopen the case. I sent the bank a copy of the police report by fax and by mail. I also sent the contact information of the assigned detective. I have called the bank numerous times and I can't get in contact with anyone that can give me information or help me. I continue to get invoices in the mail and have not idea what the status is. I have a lot more information and evidence that these are not my charges. 
It has been years since i have seen this credit card so i do not now the card number. 
I have changed all the contact information back to mine so i can receive a bank statement.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I submitted a manual payment on XXXX to Barclay Bank in the amount of {$2500.00} that cleared on XXXX but today I've received another payment to Barclay from my checking account. This has caused my account to go into overdraft and receive late fees from other creditors. Only one payment is shown on the Barclay site.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Upgrade, Inc. (CA)

According to the response to the CFPB XXXX, Upgrade stated : " Due to our error in communicating, we have sent you an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '' Based on today 's phone communication with XXXX at XXXX XXXX PST XX/XX/2022, she admitted Upgrade made a false statement about having sent " an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '', and instead will send a check for this amount to the address on file, without specifying when it will happen - " some time in the future '' A false statement to a Government Agency XXXX
Consumer complaint received 2022-10-04
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. (ME)

My TransUnion credit report shows XXXX XXXX with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via XXXX XXXX XXXX here in XXXX XXXX XXXX. While in mediation, XXXX XXXX purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. XXXX knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with XXXX. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. XXXX had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both XXXX and TransUnion and mailed certified mail with return receipt. I just received a ruling from TransUnion that XXXX again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.
Consumer complaint received 2022-10-04
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. (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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation (CA)

I noticed that my check was garnished, I reached out to my employer, and they told me that my check was being garnished by the law offices of Patenaude & Felix for a debt owed to XXXX  XXXX. I called the offices of Patenaude & Felix to ask why they garnished my check without informing me, they proceeded to tell me that they served a woman in my household from the ages of XXXX in 2021 with this suit although no one in my household is of this age Nore were there any females living in this Houshold during that time or any time after and the notes that the offices of Patenaude & Felix show they did not collect a Name of who this was served to just said a woman ages XXXX, I was never made aware of this suit nor was I legally served and now my check in getting garnished 20 %.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Below was my previous complaint submitted asking for removal of this acct. based on the below referenced class action settlement of which my account was a part. The settlement agreement requires XXXX to delete or cause to be removed any and all negative info regarding my XXXX car loan account. XXXX investigated it and deleted it in response to my previous CFPB complaint but Experian from what I can tell did no real investigation and the item certainly was not removed. 

" Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the UCC code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the three nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX XXXXXXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law. '' The tradeline is still there and I was unable to ascertain what they investigated based on their overly vague response. I'm not sure how 2 credit bureaus can investigate the same item and then one removes it and the other doesnt. I would assume they would be verifying info in a similar fashion.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson Capital has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Jefferson Capital, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Jefferson Capital has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting and XXXX  XXXX Account # 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions