davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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)

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 XXXX XXXX have 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 an 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-04-17
Product: Credit 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 (CT)

Was notified by Capital one that my card was locked due to fraudulent activity back on XX/XX/XXXX but still had fraudulent purchases continue on XXXX I called capital one fraud department and they keep asking me for a XXXX  XXXX XXXX statement they I don't have and never had a XXXX  XXXX XXXX account now they tell me I am liable for the charges and can't unlock my card to see the charges please help me
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed dispute letters on XX/XX/2024, XX/XX/2024, and XX/XX/2024 challenging several negative items that are showing on my credit reports. I have not received an updated report or results of any investigation into these items.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried depositing {$940.00} cash into the ATM at my local Bank of America branch at XXXX XXXX  on Monday XX/XX/XXXX. Shortly after putting the cash in, a message on the ATM screen popped up that said it is unable to process my request and can not return my money. Then it printed a receipt with a phone number to contact their electronic claims team. I called and filed a claim and the customer service representative said it will usually take 1 to 2 days to be resolved. Its now day three and I have no update about where my money is and when I try calling again it just says the claim is being investigated with no update. I have bills to pay and can not go without almost {$1000.00} any longer. I dont understand how the bank is so casual about holding my money hostage when their machine made a mistake. This happened once before and they credited my account immediately and there were no problems. I dont understand what is different about this incident
Consumer complaint received 2024-04-16
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CO)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-04-17
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)

I filed for bankruptcy XX/XX/2023 and listed XXXX  XXXX as one of my creditors. All of my debt has been discharged including XXXX  XXXX credit card. On my credit report, XXXX XXXX is listed under discharged under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of discharged to bankruptcy. This is called double reporting and is a violation. I spoke with XXXX  XXXX and mentioned that this should be removed from my credit profile because its already been listed as discharged from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about it.
Consumer complaint received 2024-04-17
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)

I filed for bankruptcy XX/XX/2023 and listed XXXX XXXX as one of my creditors. All of my debt has been XXXX including XXXX XXXX credit card. On my credit report, XXXX XXXX is listed under XXXX under XXXX  XXXX bankruptcy. I looked at my credit report today and my score has gone down XXXX points because XXXX XXXX has reported the same account twice on my credit report and changed the statutes to charged off instead of XXXX to bankruptcy. This is called double reporting and is a violation. I spoke with credit XXXX and mentioned that this should be removed from my credit profile because its already been listed as XXXX from XXXX  XXXX bankruptcy. First representative hung up on me and the second representative told me she could not do anything about it.
Consumer complaint received 2023-12-01
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. (CA)

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, Equifax XXXX XXXX XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-25
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. (CA)

I provided the company with a copy of my credit report and advised that they have an account with an open date that is not accurate with all bureaus. I asked that they remove this information and I provided proof, and the bureau still confirmed as accurate. This is a violation of the FCRA. 

This account is also being reported by 2 different companies. This is a violation. 

Account : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NC)

I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a Platinum Secured account ending in XXXX in order to build my credit score. I opened with a minimum amount at first and deposited more money electronically so that my credit limit will be at {$500.00}. This is a Secured Account. The representative I spoke with at the time of opening this account- around XX/XX/XXXX- said that due to no credit history at all, whatever my security deposit amount will be my credit limit. I thought that was fair and understandable. That's why I added more money to increase my secured credit card limit. Of which, it did to {$500.00}. 

My daughter helped me with the additional deposits and these funds came from her account. My daughter 's account has been closed since XXXX. 

We have closed this Platinum Secured account ending in XXXX in XXXX and have yet received the Secured deposit. Upon calling today, XX/XX/XXXX, Capital One said that they will only return {$99.00} since I can not produce the statements that I deposited more money to increase my credit limit. 

Capital One refusing to return my security deposits. Please help.
Consumer complaint received 2024-04-17
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. (FL)

On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from ally financial that has been allowed to report on my credit again and now its reporting as open once again but its charged off.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It has been a battle going through this and I am requesting to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the listed items below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items 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
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am requesting method of validation for all disputed accounts that are in litigation via TransUnion being litigated for data breaches involving my personal information being exposed. TransUnion has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. Yall really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid the ultimate price with their lives and forced labor. The effects are still evident today. This form of Debt slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Consumer complaint received 2023-09-20
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: SLM CORPORATION (TX)

I enrolled into the university in XX/XX/2023 with an already approved private ( Sallie Mae ) grad loan based on my credit score and estimate of school costs. I had to notify XXXXXXXX XXXX  on several occasions as to when my loan would be certified and finally was certified and released to XXXX for payment refund on XXXX XX/XX/2023, but the school did not refund/release the funds to me so that I could pay the school tuition/books and fees and to date has not been released from ( XXXXXXXX XXXX  ). I contacted the school advisor ( XXXX XXXX ) and several different financial aid officers on several occasions and was told that since my loan was ready for refund payment but it would not be released until XXXX. I had no other choice than to drop the class and withdraw from the university. I waited on the phone line to drop the course before final payment was due but the line disconnected twice and when I finally was able to reach financial aid they said that I would be given until XXXX XX/XX/XXXX to pay. However, I could not reach any advisor and I had to write an email to XXXX XXXX to fully withdraw me since the school never gave me the Sallie Mae loan to pay and I was told that since I did not reach him until XXXX XX/XX/XXXX that I had to pay for the class. I was then contacted by XXXX  XX/XX/XXXX and asked did I plan on attending my class for the term and I told them that I withdrew from the XXXX  in XX/XX/XXXX. The person on the phone seemed shocked and had XXXX XXXX contact me since he never withdrew me from the XXXX or class. XXXX XXXX finally told me how to properly withdraw and did not backdate. I asked about the refunding of my loan and once again he said that they had to find out how to proceed since it was a private loan. I continue to contact the school and they released {$260.00} and have not paid for the class nor returned the loan. I am already making payments on the loan that XXXX XXXX will not release. I have continued to contact the school but they will not release a loan to me or Sallie Mae. I obtained the loan based on my XXXX XXXX XXXX with no assistance from the school. XXXX XXXX  needs someone to educate them on refunding private grad loans. I really need this resolved as it is not fair that I am paying a loan back that XXXXXXXX XXXX is holding. Please advise.
Consumer complaint received 2024-05-17
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. (VA)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on MY XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Consumer complaint received 2023-11-06
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: JPMORGAN CHASE & CO. (MD)

I received an email on XX/XX/XXXX, thanking me for my credit card application, then an another email requesting additional information. I received an alert from XXXX and called number on alert and the question that ask was what was my SSN #, I refused and they stated thats the only way to locate loan information. I called XXXX XXXX and place a freeze on my accounts. XXXX was unable to remove the inquiry unless I get a letter from JPMCB. And told to file a report with you. 

I would like JPMCB to be notified of this fraud and a mail me a letter stating such so I can have inquiries removed
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this XXXX 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 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2023 there was a charged on my bank of America business account for {$710.00}. I contacted Bank of America and let them know this charge was fraudulent my card were missing and the transaction was unauthorized. On XX/XX/2023 Bank of America sent a letter denying my claim. They have not provided any factual information showing the charge was valid ( because it was not valid ) they have not reached out for more information on the dispute they did not take into account my police report nor my federal trade commission report. Bank of America is attempting to hold me liable for a fraudulent transactions with no valid reason as to why.