davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (GA)

I applied for a car loan through XXXXXXXX XXXX and got a copy of report stating I have derogatory mark on my credit report and has been hindering me from getting a vehicle. They have violated my rights as a consumer with reports to these credit bureaus.. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
Consumer complaint received 2023-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (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 2024-11-01
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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 2023-08-14
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. (TX)

This is a follow up in Case # XXXX filed with CFPB. While I appreciate the response I received from TransUnion and they implying that the reinvestigation process could take up to 60 days to complete this goes against FTC best practices. However, After reviewing my credit report again with TransUnion I see there has not been any movement in getting these inquiries removed from my file. I am not sure what they plan on doing or how they plan on validating these inquiries, as I speant nearly 3 days caling everyone of them and was told by the potential creditor that they do not show where I applied and if I did I may receive something in the mail with regards to the status of each. What freightens me even more if that My information has been found to be on the DARK WEB as I have gotten several alerts as of late. Which is why I locked all my reports now.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX and I am submitting this formal complaint against Kohl 's. this is what happened Approximately one month ago, I initiated an arbitration process through the XXXX XXXX XXXX XXXX XXXX ) in relation to a negative account that Kohl 's is currently reporting on my credit records. 

I have been notified by AAA that Kohl 's has not adhered to XXXX 's stipulated guidelines pertaining to consumer claims, as delineated within the Consumer Due Process Protocol ( " Protocol '' ) and the Consumer Arbitration Rules ( " Consumer Rules '' ), which encompass the provisions concerning Arbitration Costs. 

Kohl 's, in its actions, is evading its obligations to its clientele and is breaching its contractual commitments. Notably, within the contractual clauses, it is explicitly stated that any disputes can be referred to the XXXX for resolution. In light of these circumstances, I hereby formally request a thorough investigation into the practices of the company, given the perceived inequitable behaviors outlined above. 

This situation for me has been stressful, it has affected my financial life and that of my family. Several loans have been denied and I have lost the opportunity to buy a house. I feel hopeless and anxious about this problem
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

A review of my Experian Credit report on XX/XX/XXXX, identifies inaccurate information in the " Comments '' section of the Experian report. 

Specifically, the " comments '' section of the Experian report has an annotation that reads : Account was in dispute-now resolved-reported by subscriber. Account previously in dispute - now resolved, reported by data furnisher. The comment section also identifies, in parenthesis the wording " To be used for FCRA or FCBA disputes ). 

The account referenced by Experian is a XXXX XXXX XXXX  personal automobile loan account, # XXXX, that has never been in " dispute '' at all. In fact, the monthly payments of the loan were always consistently on time and the loan was fully paid off on XX/XX/XXXX. 

XXXX XXXX XXXX  does NOT dispute the fact of MY consistent and on-time payments for the former loan, and that the account is now fully paid off without a dispute or delinquency. However, XXXX XXXX XXXX has acknowledged their ( Bank ) error in NOT reporting monthly on-time payments to the credit reporting agencies ( Experian ) during years XXXX, XXXX and XXXX. Nonetheless, Experian has reported a previous " dispute '' action in the Experian credit report. Experian 's " comment '' section is inaccurate. 

I have initiated correspondence to XXXX XXXX XXXX, advising XXXX to make prompt correspondence with Experian as a means to correct the inaccurate credit-reporting " dispute '' information. 

XXXX XXXX XXXX, as the former creditor of the consumer, had reported timely payment history to Experian as of XX/XX/XXXX, accurately identifying all payments in the past as on time and the account satisfactorily closed. Still, the " dispute '' inaccuracy is evident in my Experian file and is likely to have adverse consequence to the consumer if that inaccurate information remains on the Experian credit reporting file. 

I've attempted to contact Experian through " sign-in '' without success. In fact, Experian recently improperly charged me {$21.00} when I actually had agreed to pay Experian the sum of {$1.00} for a FICO score, only. This billing issue with Experian is separate and distinct from the Inaccurate Information issue with Experian.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Receivables of NC Inc. (VA)

Access ID # XXXX Access Recievables Management po box XXXX XXXX, MD XXXX This company reached out to me about a proported tax debt from XXXX and XXXX in XXXX. I responded to them within the 30 day window with a letter informing them that I disputed their records, plus they were outside of the legal collections window in Virginia. They called my offce in XXXX, and I responded with a letter on the XXXX to stop and desist phone calls to my place of employment. I again asked for more information, and advised them of the debt window that was closed by VA state law. I asked for information within 30 days, or they needed to stop and desist all collection attemps. They again called my place of employment this morning. Our phone numbers are XXXX & XXXX. I can supply copies of both letters that I have sent them.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (PA)

In accordance with the Fair Credit Reporting Act ( FCRA ), a crucial legislative framework established to safeguard the rights of American consumers concerning credit reporting, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : DEPT OF ED/XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX  Open/Closed Status : Closed Status Update : XX/XX/ Account Type : Installment Status : Pays account as agreed Balance : {$2300.00} Balance Update : XXXX XXXX XXXX  Original Balance : {$2300.00} Past Due Amount : {$0.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status and payment history of this account. Specifically, the reported " Pays account as agreed '' status and the characterization of an " Unknown payment history '' are inconsistent with my understanding of the account 's financial activity. Furthermore, the reported balance and original balance do not align accurately based on the account 's reported status. 

I wish to emphasize the significance of the FCRA, specifically the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the inconsistencies present in the account reporting, I formally request a comprehensive investigation into this matter. I expect XXXX to diligently address the disparities, rectify the inaccuracies, and ensure the reporting is consistent with the principles laid out in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any involved parties, including debt collectors. 

Your prompt attention to and resolution of this dispute are highly anticipated. I trust in your dedicated efforts to address this issue and uphold accurate and equitable credit reporting. Thank you for your cooperation and dedication to the fundamental principles of the FCRA.
Consumer complaint received 2023-08-14
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)

I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for 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
Consumer complaint received 2023-08-14
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)

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 3rd party. They in fact did not come from a 3rd 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 2023-08-14
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: ALLY FINANCIAL INC. (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 2023-08-14
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. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is with mounting irritation that I must yet again bring to your attention the ongoing nightmare I am experiencing due to your ineptitude in resolving the following issue : XXXX XXXX This fraudulent account has remained on my credit report for an extended period, causing immeasurable damage to my financial standing and an insufferable amount of stress in my life. 
It is mind-boggling that despite this undeniable evidence, your bureau continues to display a shocking level of indifference, incompetence, and disregard for my rights as a consumer. I can no longer tolerate the blatant negligence and incompetence exhibited in handling this matter.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Atlanticus Services Corporation (CT)

On XX/XX/14 I contacted Fortiva Retail Credit XXXX 2 times and spoke to 2 representatives. I was looking to get information on financial hardship for COVID related reasons. I am currently up to date on my account and was looking to get ahead of being behind. Both representatives explained there were no options and provided 3 numbers to 3rd party credit counselors, when you call there are promotions and fees. I did ask one of the Fortiva Representatives if I could close my account and make low monthly payments, she closed my account and said I had no options on the payments. I then tried to text a representative through the Fortiva website and texted a XXXX who also provided the same numbers and when asked about late fees and interest said I would still accrue both even if the account is closed.
Consumer complaint received 2023-08-14
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)

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.
Consumer complaint received 2023-08-03
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. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (NY)

Hold put on t card for suspected fraud ; i verified my information and the transactions in question, but they wouldnt release my card because they said i didnt have my security questions set up, and told i couldnt call for another week Spent several hours in the phone trying to get this sorted out, being bounced between customer service and fraud dept many times
Consumer complaint received 2023-08-14
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: Bread Financial Holdings, Inc. (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 2023-08-14
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.