davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Superior Holdings, LLC (OH)

There anre inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681i, 1681s-2, 1681e, and 1681c. After obtaining a copy of my credit report from your agency, I noticed errors related to closed accounts and charge-offs that are adversely affecting my credit score. writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal information by Superiour auto Inc., in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 
I became aware that my personal information, including [ specific details of the information disclosed ], was shared without my consent. As you are aware, 15 U.S.C. 6802 prohibits financial institutions from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless the consumer has been provided a clear and conspicuous disclosure of such sharing and has been given the opportunity to opt out. 

I did not receive any such notice, nor did I consent to the sharing of my personal information with any third parties. Therefore, I am requesting the following actions be taken immediately : 1. **Cease and Desist** : Immediately cease any further unauthorized disclosures of my nonpublic personal information. 
2. **Investigation** : Conduct a thorough investigation into the circumstances surrounding the unauthorized disclosure of my information. 
3. **Rectification** : Take appropriate measures to rectify any unauthorized disclosures that have already occurred. 
4. **Confirmation** : Provide written confirmation that these actions have been taken and that my nonpublic personal information will be safeguarded in accordance with 15 U.S.C. 6802. Please consider th
is letter a formal complaint and respond within the required timeframe of 30 days, as stipulated by applicable laws and regulations. 

If I do not receive a satisfactory resolution to this matter, I am prepared to escalate my complaint to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely,
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (NC)

Requested reimbursement in XXXX. Account previously verified was unverified. Rep assured resolution but didnt occur. Filed complaint. Provided what rep requested over multiple emails. Was active in giving times or warning of delayed response possible. Rep failed to respond despite provision of all requested documents. On follow up, was told last week they would fix the issue. Gave them till friday to cancel check never received and deposit funds as instructed. As of today, that has NOT been done.
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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. (CA)

By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (DC)

GM financial reported my car payment late over 30 days in XX/XX/2019 and XX/XX/2019. This is inaccurate! I Paid before the payment was 30 days past due and it indicates on the GM payment history on their web site the payment aaa processed before 30 days. In fact the money was taken from my bank account. They wont correct the error. They reported that I was late for these two months and I was not! They must correct their error.
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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: EQUIFAX, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My husband and I opened new credit cards with Capital One approximately 2 years ago. At the time we submitted the necessary documents for application. The application stated the assets and liabilities for our COMBINED incomes. He received his card with a credit limit twice that of the one I received. At first I thought it was an error. I tried contacting Capital 1. However one can not talk to a live person at Capital 1. Only online submissions. I received a denial form letter that stated there were many variables but I hadn't used it enough to warrant an increase. Naturally not, it was brand new. Without prolonging the number of attempts we made with Capital 1. Nothing worked, just a number of standard denial form letters.

Where the confusion reigns is within our COMBINED income my salary is greater than my spouse. Our Credit Scores are almost identical ( Over 800 ) and our income is over 6 figures. There are no bankruptcies in my past, no late payment, no collections, nothing. However I do happen to be Female.

My only conclusion is that " If you are married and female you are a greater risk for default. '' However not being able to talk to anyone with Capital 1 and unable to get a response from them so that I could confer with anyone I am left with the obvious conclusion. Gender is still a factor in equality
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: EQUIFAX, INC. (CA)

Despite the XXXX ( XXXX ) dispute letters I have been sending to the Credit Bureaus, the Credit Bureaus have done nothing and continued to report the disputed items on my Credit Report without sending me copies of proofs of verification which is a clear violation of a consumer 's rights under the FCRA. The Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal identifying documents as well as the ID THEFT REPORT I received from the FTC. I am submitting this CFPB complaint to you today to address the indifference and negligence of the Credit Reporting Agencies. Under the provisions of the FCRA section 605b, I am requesting that the following items be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-08-31
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 (UT)

As of XX/XX/2020 I received a letter from Capital One in request for a increase for my credit card. I have enclosed a copy of my letters from Capital One telling I was declined the increase. But the letter also states that the second page will explain in details for being declined the increase. But during reading the letter none of the reason for being Denied explains jack XXXXNone of it pertains to me being denied and it wasn't explained why! So I called Capital One and spoke with customer service questioning my account. I asked how long I had the account and was told 8mnths and I asked how many payments I made 7 with one late payment. So I asked to speak to a supervisor and so I was transferred to speak with XXXX who's a financial advisor that's located in XXXX Florida. So I asked him to explain this letter to me do to the fact it doesn't pertains to me at all but I'm told, I'm denied with no explanation at all. I was told by XXXX the reason for being denied is because in the eyes of Capital One I did not spend {$300.00} on my credit, which is only my spending limit. So I said, I need to max out my credit card for Capital One to decide how much they approve me for? He said it don't make a difference how much you spend it could be {$500.00} or {$600.00} in the eyes of Capital One you didn't spend {$300.00} dollars. I said thank you for answering my question so basically I need to max out my credit card to be consider. I said the point of having credit cards is showing financial reasonability by paying your bills on time not to max out my credit card and raise my utilization. I find this to be poor excuse for Capital One to deny my request for a {$2500.00} increase. It shouldn't matter how much I spend on my credit card. When he asked how much I spend I told him {$200.00} + that's when he told me I didn't spend {$300.00} of my limit on my credit card. I had this card for 8 months now I'm told I need to max out my card just to get an increase. This violates my right as an consumer to be told I have to max out my credit card. This not being financially responsible at all and this not explanation at all but a poor one. They sent me a XXXX letter with no explanation and expect me to eat this XXXX  and when asked the real reason I'm told that I didn't max out my credit enough to be approved. XXXX!
Consumer complaint received 2022-11-13
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. (FL)

Mail is not deliverable to me via USPS at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The further reporting of this address is leaving me susceptible to identity theft and you are liable.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Phelan Hallinan Diamond & Jones, PLLC (FL)

CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and XXXX claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from XXXX XXXX which was terminated in XX/XX/2008. see enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...
Consumer complaint received 2020-01-19
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. (DE)

I submitted disputes for the following accounts with ALL of the Bureaus : XXXX Acct # XXXX balance {$110.00} XXXX XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance {$870.00} XXXX, XXXX XXXX XXXX and XXXX were unverifable and removed from XXXX   and XXXX  however Transunion is still reporting these unverifiable accounts on my credit report. In addition XXXX no longer owns the account referenced above the account was sold to XXXX. This company has also been contacted I am currently waiting their investigation results due this error.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

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.
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2020-03-05
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CO)

Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!
Consumer complaint received 2021-11-01
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: Mr. Cooper Group Inc. (MI)

I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting 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 am writing to formally request the removal bill from my credit report that is not mine and is adversely affecting my XXXX XXXX. The details of the account in question are as follows : Creditor Name : XXXX Date of Charge/Account Reported : XX/XX/year> ( XXXX yrs, XXXX mos ) Amount : {$780.00} This account pertains to a phone bill that I have not agreed to / utalize. It is my understanding that due to accounts not being mine it should no longer appear on my credit report, as per the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-18
Product: Credit reporting 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)

I am writing to formally dispute an incorrect closed account that appears on my credit report, which I have recently reviewed. The details of the account are as follows : Account Holder 's Name : XXXX XXXX Creditor Name : XXXX Date of Account Closure : XX/XX/year> This account is not mine and I have no affiliation with the creditor listed there was no account number ever posted on my credit report. I have never had any financial dealings or relationships with this creditor. This inaccurate information is adversely affecting my XXXX XXXX and financial reputation. 

To resolve this issue, I kindly request the following actions : Investigation and Correction : Please conduct a thorough investigation into this matter and remove the incorrect account from my credit report. 

Confirmation of Removal : Once the account is removed, please provide me with written confirmation that the account has been deleted from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the inaccurate account, as well as any relevant identification documents that XXXX assist in verifying my identity. 

I appreciate your prompt attention to this matter and request that you address this issue within the timeframe outlined by the Fair Credit Reporting Act. 

I would also like a follow up on the status of my report via mail and email.