davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had a Kohl 's store card for years, and Kohl 's recently decided to change this to a Rewards Visa through XXXX XXXX automatically. There is a fundamental difference between a store credit card and a XXXX card that can be used anywhere, and I did not accept the risk associated with a XXXX card when applying for this store card. I spoke to two people at Kohl 's Credit and two at XXXX XXXX and none of them could tell me why or how I was selected for this change, only that my store card was no more. However, XXXX XXXX was keen to tell me that this was an " upgrade, '' and I could now use the card anywhere. 

Additionally, there is no indication on Kohl 's credit website that there was a transfer or that there would be a new way to log in. This prompted me to have issues logging in, as my account was no longer in the old system. Again rather than advise about this when attempting to get in, it kept locking the account, so I called in only to be advised of the change and redirected.
Consumer complaint received 2023-07-23
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)

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 XXXX XXXX XXXX. 
Account name 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 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 the Information is inaccurate.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

My wallet was stolen maybe 2 months ago and since then my credit has been ruined because after having fraud alert on alll my accounts- It was impossible to pay for almost anything without having my card denied and I totally spaced on this account. If you guys could do me a solid and let me pay it off in full Because I really am homeless now I lost my apartment and Im trying to apply for one but my credit its just ruined
Consumer complaint received 2022-02-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC (VA)

Original judgement 2014 bought from XXXX by Glasser & Glasser. Garnishments initiated. Continues to re-initiate garnishments during that time making payments made irrelevant. Example : amount owed $ XXXX made $ XXXX re-initiation of garnishments {$7100.00} attorney, {$590.00} judgement, {$93.00} garnishment. The newest garnishment filing is amount due $ XXXX payments made $ XXXX {$680.00} judgment/ {$7100.00} attorney/ {$93.00} garnishment. We are getting garnished {$800.00} a month and the money doesnt even go to paying off the judgment and it never will, it only covers everytime the have to re-apply for garnishment. We have paid well over the amount of the loan at this point. We tried to negotiate a settlement with them and was refinancing our house to get the money but when they found out we were refinancing they would no longer accept the negotiated amount of {$16000.00}.
Consumer complaint received 2024-10-18
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I lifted a security freeze lifted with Chexsystems using the website on XX/XX/2023 thru XX/XX/2023. I applied for a savings account with XXXX XXXX XXXX  on XX/XX/2023. I was denied ; reason being my credit file with Chexsystems is frozen. I called to lift the freeze yet again and it says I already lifted the security freeze from XX/XX/2023 thru XX/XX/2023.
Consumer complaint received 2022-02-19
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2021-12-30
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (SC)

On XXXX XXXX at approximately XXXX such securities was delivered and put forward through the United States Post Office addressed to XXXX XXXX XXXX Treasurer received by World Omni XXXX XXXX XXXX in lieu of net proceeds issued by XXXX XXXX investor account number XXXX on behalf of XXXX XXXXXXXX XXXX XXXX this claim against such risk has been found in default without recourse under such circumstances the securities will not be demand to be restricted securities that are acquired directly or indirectly from SOUTHEAST TOYOTA FINANCE XXXX WORLD OMNI FINANCIAL CORP Under the FINRA they are committing securities and not in compliance with there FORM SF-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933.
Consumer complaint received 2024-09-10
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. (TX)

I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : XXXX XXXX XXXX : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers. 

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within XXXX business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : XXXX - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code XXXX ( XXXX ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am not liable for a debt with the XXXX  XXXX XXXX XXXX. I have no contract with XXXX  XXXX XXXX and thus it is illegal for them to be reporting on my credit report wrong, fraudulent and incorrect information on my credit report, It is a violation of the Fair Credit Reporting Act for an entity to report information on my credit report when I don't have a signed contract with XXXX  to do so. I never did not even one course or assignment with the XXXX XXXX XXXX XXXX but yet I am been told that I owe XXXX {$2200.00}. I have asked XXXX to provide documentation that I did an assignment with the grades assigned and they are unable to provide the information requested as I never did any assignment or courses with them and so if I didn't do any courses or assignments with XXXX then why am I being asked to pay {$2200.00} to an agency that I didn't sign a contract with? I also filed an identity theft report as I don't owe XXXX any money.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NV)

I was struggling to make my monthly payments. I always answered their calls because we were trying to figure out a solution so I wouldnt lose the account. I rec. a email from Fortiva Credit Card Co. on XX/XX/XXXX entering into an agreement with me to get my card current. Fortiva suspended my card not over the limit but going on 3 months late. It states that I need to pay the {$460.00} by XX/XX/XXXX. On the very next day after the email, I made a payment of {$100.00}. I called who I thought was customer service to make sure it went through ok thats when I'm informed my acct is closed, the rep. I spoke to never said he was in collections, very deceptive. I told him I never rec. a email or notification it was closed, he said wait for the payment to clear and call customer service again to see what they can do. The payment has cleared I called them today XX/XX/XXXX the rep said yes your account is closed, I asked her when did that happen, she never gave me an answer, I told her I rec. a email about my account being suspended and the agreement to keep it from closing which I began to honor. The rep said we sent a email I told her to find it, she couldnt. I asked for a manager, I also told her about the XX/XX/XXXX email for suspension and agreement that I made a {$100.00} payment towards, but all she kept saying was read your agreement, yes I did the email agreement, then she said we sent you a letter, asked when, she couldnt say because they never sent one im sure one will go out on XX/XX/XXXX. even if you go to their website or app it still looks like my account in open. I explained to the manager, sending that email with that agreement approved by Fortiva is binding and I honored it by making {$100.00} payment this credit card company is very deceptive.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I submitted documents to Experian stating that my accounts were compromised and used by someone pretending to be me and asked for the compromised accounts to be blocked I sent in a handwriting letter describing the facts police report and FTC reports staying which accounts were compromised and asked for the accounts to be blocked. Experian emailed me a a list of frivolous potential reasons why the accounts weren't blocked when in fact the list of reasons were totally bogus. Experian instead disputed the accounts as identity theft and now I have tons of useless mail stating that the accounts were opened by me because my address phone social was used at the time and in my FTC reports police report and handwritten letter definitely all state that my accounts were compromised I never said anything about most of my accounts being open fraudulently the ones that were though I stated in my FTC reports. XXXX XXXX  is in clear violation of consumer rights by not blocking the requested compromised accounts that I asked to be blocked. Iam a victim of identity theft and Experian is not following protocol when it comes to compromised accounts. It took me a while together all my documents and send to Experian XXXX and XXXX and all three credit bureaus denied my documents and disputed my compromised accounts the way they wanted to.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from XXXX XXXX on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.
Consumer complaint received 2023-07-24
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MI)

The list of inquiry is unknown and erroneous. The inquiry is pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have this account be removed accordingly. 
XXXX XXXXXXXX Inquired on XX/XX/ 2021 2021
Consumer complaint received 2022-02-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC (KY)

XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with Advance Financial. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.
Consumer complaint received 2023-07-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-29
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. (PA)

Personal Statement : I am writing this complaint to simply delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-12-29
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: National Credit Systems,Inc. (WI)

In XX/XX/2017, I became a victim of identity theft with The XXXX XXXX Apartments located in XXXX, GA and with the National Credit Systems also located in XXXX, GA. I have never lived in XXXX, GA and I have proof that I have never lived there and that I am apart of a crime and scam when people relocate to different states with other identifications other than their own. I was fraudulently charged over {$3000.00} in rental charges and eviction fees that are not mine. I am currently working with the police to file charges against the XXXX XXXXXXXX XXXX and the National Credit Systems. I also have proof that the signature the XXXX XXXX XXXX used for the fraud information is also not mine.
Consumer complaint received 2021-12-29
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)

XXXX EXPERIAN AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE