davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
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. (IL)

My Name is XXXX XXXX XXXX the following addresses below are inaccurate. 

addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681i I demand an investigation be done and these addresses be removed immediately. This has been a great inconvenience to me. My proof of address has been attached.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

The Capital One credit card company employees failed to inform me about the status of my ongoing dispute with two unauthorized purchases on my account, resulting in an overdraft that negatively impacted my credit score and my account balance. 
I waited months without any notification that a response had been posted/uploaded to my 'statements and documents ' account on XX/XX/2023, after my response on XX/XX/2023. During those months my account remained in overdraft and my credit score was negatively impacted by charges that I had disputed and did not authorize. 
On XX/XX/2023, I called the capital one fraud department and spoke with an employee who told me to submit a signed letter I had already submitted on XX/XX/2023. I realized that I was being given 'the run around " so I asked to speak with a manager. The Fraud Dispute Manager, XXXX, Employee # XXXX  XXXX, told me that I had a 45-day deadline from the time of their response on XX/XX/XXXX, which put me over the deadline to continue my dispute. 
The unprofessional and neglectful customer support I received from Capital One employees was the only reason I was unaware of the status of my dispute claim. The capital one employees I spoke with also provided false phone numbers for the XXXX company. When calling the number provided, a random tax representative by the name of XXXX answered. 
I have no way to contact the XXXX company, however, capital one seems to be in contact with them but is providing little to no assistance in handling my dispute professionally.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MS)

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2023-06-12
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I froze my credit with Experian multiple years ago. 

I wanted to check to ensure my freeze was still active. You used to be able to freeze and unfreeze on their website without an account. I set up my free before an account was required. Now the system requires an account. 

I tried many, many times to create an account on experian.com, but it simply would not work, and no errors were present to indicate what was going wrong. I called them many times and tried to get in touch with a human to figure out the problem. Their regular support phone system is terrible and will now allow you to reach a human. I had to use their business support line to pretend I was a business then, upon connecting to a human, inform them of my actual issue so they could transfer me. 

When I got to an actual human, they were extremely confused and had difficulty understanding what the problem was. They had to call many different departments and supervisors to relay my information without actually connecting me directly with the more useful employees. They ultimately said " you can not create an account because you have a credit freeze in place, we need to lift the freeze so that the account creation mechanism can pull a credit report and verify your identity ''. I said okay, they unfroze it, I tired again, and it still wouldn't work. They then put me on many holds as they called various other departments to see what was wrong. They then concluded that there was some inaccurate information on my credit report that was preventing me from creating the account. They said the only way to resolve it was to mail me a hard copy of my report and, upon receiving it, I need to then call them back ( somehow navigating the terrible phone system ) to then dispute any inaccurate information or confirm that there is indeed no inaccurate information, at which point they would have to escalate the issue. 

I now have to wait XXXX weeks to get the report. I have little faith that I will be able to resolve the issue once the report is in hand. In the meantime, until this gets resolved, if it ever gets resolved, I am completely unable to freeze and unfreeze my credit with Experian. This is an infringement on my rights, as the FTC recently rules that bureaus must allow free access for consumers to freeze/unfreeze their credit on demand : https : //www.ftc.gov/business-guidance/blog/2018/09/new-freeze-law-effect-september-21st-your-business-ready I don't know what to do.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC (OH)

XXXX has turned over my name and information to a credit collection company that sent a bill to my address that is incorrect and I dispute. I requested detailed information on the account and XXXX sent me a bill Account Number XXXX XXXX XXXX XXXX for services extending from XX/XX/XXXX through XX/XX/XXXX at the address XXXX XXXX XXXX XXXX, OHIO XXXX. I moved from that address in XXXX of XXXX, cancelled service with XXXX and returned the equipment. This company has been turned into the Ohio Attorney General previously for sending a bill reflecting the equipment had not been turned in, yet I still had the receipt and provided it to the Ohio Attorney General. Now, I received a bill shortly after the mailing date on the notice of XX/XX/XXXX from MRS BPO, LLC- A DEBT COLLECTOR stating they have a collection account : XXXX in my name. I have no debts or collections of any kind and requested a copy of the original creditor claiming to be owed. On XX/XX/XXXX I received a packet with a bill from XXXX from the dates indicated above. I had no service at the address that I authorized and I moved in XX/XX/XXXX. Please request this collection agency and/or XXXX to provide the original contract signed as any additional contract it may have that authorized service at XXXX XXXX XXXX XXXX Ohio XXXX after I moved into the same place I currently live. I just renewed my lease now 1 year later. I moved into my current place in XXXX of XXXX, cancelled XXXX service and returned equipment. XXXX is committing fraud and I want each and every inquiry or negative report on my credit removed. I intend to place a inquiry on my reports and sue XXXX and the collection agency for each and every fraudulent entry.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please send me an up to date credit report to my email : XXXX and or by mail : XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/2022 I went to a XXXX XXXX XXXX  in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2024-10-25
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. (LA)

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

CashApp Complaint On XX/XX/2023 I added {$1400.00} from my bank account to my CashApp account to pay for my rent. The payment was completed. I noticed on XX/XX/XXXX, that there was {$1400.00} in my CashApp balance so I waited another day to see if it was the rent payment that didnt clear. On XX/XX/XXXX my main bank account was negative and I was charged six fees because CashApps app had withdrew an additional {$1400.00} without my knowledge or authorization. On XX/XX/XXXX I contact the CashApp Customer Service only to be told that there was nothing that they could do and that I could send the money back instantly for a charge of {$26.00} or transfer it and wait 1 to 3 days to get to my bank. CashApp should take responsibility when their app glitches and pulls money from bank accounts without authorization. I have had to pay over {$200.00} in fees and they are not doing anything to rectify the problem or to prevent this from happening again.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Consumer complaint received 2023-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

After discovering the status of this collection for {$18000.00} again with regional acceptance recovery team. The company pulled the date back from the collection agency in XXXX per the collection agency. I was not notified to give me no update. The company is still trying to collect on a charge off and has failed to steal update and report illegal voluntarily repo car on the interest-bearing loan to collect and keep me in debt, causing hardships to my life as a XXXX person. I have made numerous attempts to contact the Recovery Dept only getting voicemails and the runaround about the status of this collection. I have felt with the CFPB3 times to ask this company be investigated for the result of this death in collection written off that needs to be investigated. The company keeps sending a letter heads trying to show accuracy of a collection. They are refusing to communicate on and accurately update with volunteer information on the status in timeline of how this collection was handled. I am asking again to CFPB thoroughly investigate all employees and departments regarding this collection from XXXX to XXXX. I attempted to reach out to the corporate office in CEO no response I have continue to call all collection agency to have documented. No evidence of the collection in the office anymore. I have continuously call regional acceptance, Recovery Dept Ill need to get thrown around on the status of this I have also notified FDICN, the chief financial legislation, and now the state Attorney General office to have this matter reviewed.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

CAPITAL ONE ACCOUNT ; XXXX DATE OPEN ; XXXX 2016 THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MS)

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Urgent Request for Assistance with Equifax - Human Trafficking Victim Dear Sir/Madam, I am writing to seek your urgent assistance regarding a distressing issue I have been facing with Equifax. As a victim of human trafficking, I have made numerous attempts to have fraudulent accounts, opened against my will, removed from my credit report. Unfortunately, Equifax has not addressed these issues despite my efforts, and this is significantly hindering my ability to rebuild my life and support my child as a single mother. 

The following accounts, which were fraudulently opened in my name while I was under duress, remain on my credit report : XXXX XXXX Account Number : XXXX XXXX Amount : {$5100.00} XXXX  XXXX XXXX Account XXXX : XXXX Amount : {$2200.00} XXXX Account Number : XXXX XXXX Amount : {$2700.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Amount : {$10000.00} XXXX XXXX  XXXX XXXX XXXX 
Account Number : XXXX XXXX Amount : {$5600.00} XXXX XXXX Account XXXX : XXXX XXXX Amount : {$60000.00} XXXX XXXX Account Number : XXXX XXXX Amount : {$17000.00} XXXX XXXX XXXX Account Number : XXXX Despite providing Equifax with detailed documentation and information about my victim status, the accounts have not been removed. It appears that Equifax 's process is inadequately addressing the unique needs of trafficking survivors and is, in fact, creating additional barriers for us as we try to move forward. 

Given the situation, I kindly request that the CFPB intervene to ensure that Equifax fulfills its obligations to victims of human trafficking by removing these fraudulent accounts from my credit report and revising their process to better accommodate individuals in my position. 

Thank you for your attention to this urgent matter. I appreciate your support in helping me and others in similar circumstances rebuild our lives and secure a better future.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I applied for a chase business card. I have been a long time chase customer with excellent payment records. I was declined the card and when I contacted customer service for reconsideration I was told I was denied because chase has an rule regarding having more the 5 cards in the last 24 months. I told the agent in that same month some cards would be coming out of the 24 month period in XXXX. The agent told me she saw what I was referring to and I should call back on XX/XX/XXXX to request reconsideration. When I called on XX/XX/XXXX the agent refused to further look at my account and said I had already spoke to an agent. I tried to explain to him that I was told to call back on this date, but he would not take into consideration what I was saying. I requested to speak with a escalation specialist. This agent told me there are no escalation specialist available on weekend. I requested a call back from the escalations department and I was told they would I would receive a call back on Monday or Tuesday of this week. That call never came.