davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (OH)

XXXX XXXX credit card shows up on my XXXX XXXX as being HIGH BALANCE. I told XXXX to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED and REMOVE balance.. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. I have been making mimimum balance payments because XXXX has ignored me and I do not want my credit to be further harmed. I have been telling them to help with this for over XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Experian are incorrectly reporting the account listed as XXXX Account XXXX XXXX incorrectly reports a charge off/ collection which this can not be tried since credit card issuers are insured and do actually incur any loss because of the FDIC. The consumer agencies are responsible for making the report match across the board. What evidence does XXXX and Experian have that XXXX doesnt.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (CA)

In XXXX I went to XXXX of XXXX XXXX and bought a used vehicle where the salesman put that I made more money even saying my partner had a job when she in fact does not work. At the same time the car has now been at the dealership service department for its second transmission to be worked on. Asking the manger what can he do to help me get out of the loan since I cant afford it and its been broken for the second time says only thing I can do is trade your car in for a more expensive car since my car is worth less now and hes losing money by buying my car at what is owed at the bank. Saying he cant take it back since they no longer own the vehicle and I should just wait for then to fix the car.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i bank with capital one i have a XXXX checking account and i had my debit card stolen and things where purchased from my debit card and i my self did not make these purchases or use my debit card anywhere else the dates i gave to capital one where from XX/XX/XXXX all the until XX/XX/XXXX my card was stolen and capital one is not doing anything at all about this problem they have denied my temp credit i need to pay my bills and I'm left with nothing because some one had stole my debit card and used it to where i have no money I'm very frustrated because they have done nothing but tell me to write an email to them and i did that and still nothing has been done i hope that writing to you guys will fix this problem thank you for taking the time to go over this information
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Ive sent out copies of the FTC reports and uploaded them to check systems for the fraudulent accounts that were opened in my name using my identity without my consent.
Consumer complaint received 2024-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear PORTFOLIO, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to PORTFOLIO to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that PORTFOLIO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting PORTFOLIO to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2024-07-29
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. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-11
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: Opportunity Financial, LLC (SC)

For months I have been inquiring on a specific account on my credit report. The account in question has numerous discrepancies, which violates the FCRA and my rights as s consumer. I have directly disputed this information multiple times with all XXXX bureaus, and the account has came bad as verified as accurate by creditor every time .Not only is there incomplete and inaccurate information on this account, but this account is no longer with the company in question. They no longer own the debt. I spoke to a representative and was assured I do not have an account with this company, even though they are on my credit report verifying this account. I have a video of the recording with the representative from Opploans, with both parties acknowledging the conversation is being recorded. She confirms that the account is no longer belongs to the company and she can not give me any more information. I will be leaving link to video below. I am hoping this will rectify the situation without a need to present this clear evidence in court. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (OH)

I have spoke to supervisor s at the company XXXX XXXX XXXX XXXX they send me to XXXX XXXX  which who has the account they put me on hold and hang up rude I can not get help I want my report correct please help me XXXX XXXX {$280.00} colony/Ginnys {$430.00} resurgent/LVNV funding {$1200.00} XXXX  XXXX XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX XXXX I wrote to The United States Bankruptcy Court, XXXX XXXX XXXX requesting information for verifying records with the credit reporting agency. On XXXX XXXX XXXX, The Court responded informing me that they do not request nor validates request from any credit bureau that the information they are reporting is accurate. The Bankruptcy Court informed me to contact the bureau for assistance in removing the information. I sent all documents to the credit bureau, they came back reporting it was verified. The information from the bureau are not accurate because of the documentation I have from the Bankruptcy Court stating they dont report nor validate information so therefore I challenge the accuracy, compliance and report ability of this listing. I request that the bureau provide me copies of any documentation bearing my signature that is associated with this account, bearing my signature and in the absence of bearing my signature, II formerly request that the information be immediately deleted from the credit file that is maintain under my Social Security number, including the method of verification. I also reported to XXXX XXXX to put a freeze on my credit file, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation-XXXX  Dear XXXX XXXX, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 
6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within XXXX  days, as required by law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (TX)

Dispute # XXXX - Filed a unauthorized transaction dispute with Credit Karma Chat Support on 10/02/2024 for " XXXX XXXX XXXX  '' for {$130.00}. I do not recognize this transaction nor the merchant, and it has been over a week with no updates yet. I filed the dispute as soon as I noticed the unauthorized transaction and did not hesitate to contact support immediately. The issue is that there has been no follow up since the date of the dispute, and the support period seems to be wildly inconsistent with a past dispute over XXXX months ago, which was solved within the same week. As more time passes on, I worry about the integrity of solving the issue within a reasonable time period for the customer.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Please see attached docs I am writing to request the immediate deletion of this information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I disputed the accuracy of the account with XXXX XXXX they were not the original creditor and I don't owe them. I never gave permission for my information to be sold to a third party so they obtained my information illegally
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at the airport. I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including this unauthorized account. I am concerned that my personal information may have been stolen and used to commit identity theft. I am taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports
Consumer complaint received 2023-04-06
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. (OH)

I disputed an incorrect balance on my account from XXXX XXXX XXXX XXXX which is a closed and defunct company, with Transunion and XXXX. All of my student loans were transferred to XXXX in XX/XX/XXXX. I have a {$0.00} balance with XXXX as of XX/XX/2023. However, XXXX loan is reporting two accounts in the amount of {$850.00} and another of {$3400.00}. Within 3 days both XXXX and Transunion said they investigated and the account is valid. I called the number on the credit report on Monday, XX/XX/XXXX and again on Friday, XX/XX/XXXX and both times was connected to a company called XXXX XXXX XXXX ( XXXX ). XXXX looked up my social and said this account is closed through FED XXXX and they have no access to it. They said they would investigate and to call back on Friday, which I did. When I called they said they were not sure why it is reporting or why their number is on the credit report and to refile my dispute since the account should not be reporting. They said they can't even write me a letter because the account is closed and there is nothing they can do to help me. I don't know where else to go for help. This account is closed. All of my student loans should be at {$0.00}. Thank you,
Consumer complaint received 2023-04-13
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WV)

I am writing to file a formal complaint against American Express for the denial of my application for a personal Platinum Card, which I believe may be in violation of the Equal Credit Opportunity Act ( ECOA ). As outlined by the ECOA, lenders are required to evaluate credit applications without discrimination based on race, color, religion, national origin, sex, marital status, age, or income derived from public assistance. Furthermore, under the ECOA, applicants have the right to be informed of the specific reasons for any denial of credit. 

On XX/XX/year>, I applied for the American Express Platinum Card. I am a responsible credit user, maintain a strong financial record, and meet the published creditworthiness criteria for this card. Nevertheless, my application was denied, and upon contacting American Express for an explanation, I received a vague and unsatisfactory response that did not provide a clear or specific reason for the denial. 

The lack of transparency raises concerns about potential discriminatory practices in the evaluation process. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate American Expresss practices to ensure full compliance with the ECOA. As a consumer, I am entitled to clear and detailed information regarding credit decisions. Therefore, I also request that American Express be required to provide a specific reason for the denial and that they reassess my application based on fair and non-discriminatory lending criteria. 

This denial has affected my ability to access credit resources for personal needs, and I believe that it may not have been handled in accordance with the ECOA 's requirements. 

Thank you for your attention to this issue. I look forward to a prompt response and resolution from both the CFPB and American Express. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date Of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an Telecommunications/cellular at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a bank account opened at XXXXXXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) an Telecommunications/cellular account opened at XXXX ( XXXX XXXX XXXX ) under the account number XXXX XXXX ) and a account derogatory account last reported XX/XX/XXXX at XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) under the account number XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

Hard Inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX