davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern about the disputed accounts on my credit report. I have raised issues regarding inaccuracies multiple times and have consistently requested thorough investigations. Unfortunately, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and affecting my ability to lead a normal life. The negative impact of these inaccuracies has created considerable hardships for me, and I am reaching out for your assistance in resolving this situation as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is essential that steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. 

I urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AL)

About XXXX this year I started receiving SILVER oversize envelopes from Citi Cards AA offering the Platinum Elite credit card. I am already a Citibank credit card holder, so I called to ask if this was an upgrade for the existing card as the offers stated that if I expend XXXX in 90 days I would received XXXX miles with AA. 
The operator was very clear that this was a new card and credit line and I was already eligible to receive miles again as I had closed the previous Platinum Credit Card account with Citibank in XXXX. 
Today when I called to ask when I will see my miles reflected on my account the operator was fast and short saying : you enrolled days before the 48 months period necessary for a new bonus account and for that reason you will not received your points. When I told him that I was not going after a new credit card and the only reason I agree with the new account was because they offered this bonus by mail and confirmed by phone. For my surprise the attendant asked me to show proof of the marketing envelope that was sent to my address in XXXX XXXX. I told him that I don't keep junk mail and the reason I was checking on the points was because I did called to finalize the offer application on the phone. He said that he can't do anything if I can send him back the invitation that I received with their phone number and offer code. As a consolation he would be able to offer me XXXX miles. I see this is a very big SCAM to open lines of credit for former clients that they know will use and pay their bills. I see how wrong this is to offer me to open a new line of credit days before the waiting period is over so they would not have to issue the bonus to the client.
Consumer complaint received 2024-10-10
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. (OH)

Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.
Consumer complaint received 2023-08-21
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-08-03
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)

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 2023-08-03
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. (PA)

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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

These accounts are showing under negative items charged off as bad debt as the following and should be removed : You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report.

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 2023-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX LVNV FUNDING LLC Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX  XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with XXXX and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this notice.
Consumer complaint received 2023-08-27
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 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, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

I received a letter from my bank, XXXXXXXX XXXX, that my name and social security number was compromised. They gave me a complimentary 24 month membership to XXXX from ChexSystems. I tried signing up for the membership online on XXXX I received an error message and was told to call the company. I called 4 different times that day receiving several people who tried to help me. I was forwarded to their " escalation '' department twice. I was left on hold for an hour and was disconnected. I tried calling again for the following day ( XX/XX/2023 ) and made three additional phone calls. My last call was with the " escalation '' department, and she told me she would have another department call me and it would take 24 to 48 hours. Today is XXXX  and I have not received any information from this company. I need help contacting SOMEONE in their institution who can provide me with the service that my bank paid them for. I would appreciate any assistance you can provide me.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I mistakenly thought I had no foreign transaction fees from a PayPal/Synchrony MasterCard . I have another PayPal/Concerto MasterCard ( business ) that did not have the foreign fees and mixed up the information. A supervisor reviewed my call log back in XXXX, prior to our trip, a call that was to verify no foreign transaction fees, car rental insurance, and travel dates. They confirmed my conversation and verified that I had acknowledged that foreign fees existed. 

The purpose of my writing was to try and make awareness and require each credit card statement list all potential fees in a basic line to make the consumer aware. There is plenty of blank space to do that, but all that's provided is the Purchase/Balance Transfers and Cash Advances. I could not easily find the information I was looking for and went for the phone call. In my recollection, I had no foreign transaction fees but there was no rental car coverage. We went about our trip using this Synchrony card and XXXX XXXX. 

Part of me thinks it may be to the advantage of the card company to not display this information on every statement. Even listing some coverages that your card may have with a URL listed for detailed information would be very helpful.
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/2023, I sent out a letter of validation of debt pursuant to 15 USC 1692 GB. Prior, I noticed a debt collection account was furnished on my report. I did not recognize this company, and I did not receive a model form b1 form pursuant to 12 CFR. 1006 Regulation F. I gave the company 30 days to validate the debt and now it's been more than 30 days, but no response. I tracked them and saw that my letter has been delivered to them. They ignored my letter and failed to delete the parked account off of my consumer report. They violated my consumer rights by failing to validate and prove that the debt belonged to me as well as furnishing incomplete information.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (TX)

I am filing this complaint to ENHANCED RECOVERY COMPANY for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-08-27
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: EQUIFAX, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.