davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX CAPITAL ONE XXXX XXXX XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Capital one You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 


I have not initiated any transaction with Capital one, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 



616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In case of liability of natural persons for or obtaining a customer report under file pretenses or knowingly without a permissible purpose, actual damages sustained by the customer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX to the address XXXX XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (LA)

This is a southwest Chase business credit card that I did not open and was opened fraudulently and I didnt realize that this account was open because it did not show until the account became delinquent. Thats when it showed up on my credit report in XXXX and that made me aware that they was a credit card opened in my name without my knowledge or authorization and its fraudulent
Consumer complaint received 2024-06-18
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 (NC)

It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. As per the standard practice, an inquiry should only be made with the applicant 's consent. 

Therefore, I kindly request that the inquiry be removed from my credit file, or alternatively, that you provide me with sufficient documentation indicating that a permissible purpose existed for making the inquiry INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (FL)

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX which then Sold my information to Diversified Adjustment. Which is in violation of the FCRA in pursuant to 15 usc 1681b you permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Contact to CITI about an ACH that was deposited in error. Requesting funds to be sent to sender/originator. Citibank refused initiate dispute or corrective action regarding ACH {$6200.00} amt XX/XX/year> Funds sent in error
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX Subject : Immediate XXXX XXXX Compliance Dispute and Request for Deletion of Account # XXXX I am writing to demand the immediate correction and deletion of serious inaccuracies related to my account ( # XXXX ) across all major credit bureaus. These errors blatantly violate XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ), which requires accurate reporting. 

Specific Issues : Date Opened ( Field 10 ) : There are discrepancies between XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX that must be corrected immediately. 

Number of Months ( Terms ) ( Field 19 ) : XXXX and XXXX report " XXXX '' months, while XXXX reports " XXXX '' months. This significant inconsistency must be addressed without delay. 

High Credit ( Field 25 ) : Conflicting amounts of {$11000.00} on XXXX and XXXX versus {$11000.00} on XXXX must be rectified promptly to ensure accuracy. 

Date of Last Payment ( Field 26 ) and Date Last Active ( Field XXXX ) : Unacceptable variations among bureaus directly impact the accuracy of my credit report. 

These inaccuracies have a severe and detrimental impact on my creditworthiness. Therefore, under CFPB 1006.34 ( b ) ( 4 ), I request an immediate investigation and the deletion of this erroneous account information from all credit bureaus ' records. 

Failure to promptly delete this inaccurate information will compel me to escalate the matter, including filing complaints with regulatory agencies and pursuing legal action for non-compliance with FCRA regulations. 

Please provide written confirmation of the deletion and documentation verifying that the inaccurate information has been removed from all credit bureau records. 

Thank you for your immediate attention to this matter. I expect a response confirming the deletion within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I tried to get a whole list of reports from XXXX and Transunion per my rights according to the FCRA ( investigation documents etc to prove that they actually investigated errors on my report ) I requested these XXXX years ago and to this date i have no received a thing. This is in regard to my XXXX XXXX account. ALSO the dates on XXXX and XXXX keep changing on the XXXX XXXX account to allow it to stay on longer. Right now the account 's at 6 years 10 months and the dates keep changing. Now they changed my last payment date to XX/XX/XXXX to let it remain on my account for another WHOLE YEAR the last payment was in XX/XX/XXXX not XX/XX/XXXX.
Consumer complaint received 2024-06-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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. (OK)

I was recently applying for a loan for a project to help improve my community and its come to my attention that the missed payment on my record could hurt my ability to qualify. This is very frustrating because I have been bringing this to the credit bureaus attention for months. 
They are reporting in XXXX and XXXX of XXXX and XX/XX/XXXX which I have NEVER been late prior or after these claimed moments. These claims are violating several of my federal protected rights under the FCRA. 


Under congress, Pursuant to 15 USC 1666B, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' Also under 15 usc 1692 under the FDCPA If there was a late payment then I was not properly notified of this late payment so how can I address something I never knew anything about?

15 USC 1681 under the FCRA this is not reporting 100 % accurate and every time I send in a dispute the bureaus update certain things but still isn't 100 % accurate. 

I would hate to hire an attorney to sue the company for willful violation of my consumer rights, defamation of character and financial injury.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX XXXX XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following. 

Account Name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

I received a call and mail to my address that I owe the company - XXXX  the sum of {$490.00}, which is false. I called the debt collection agency that the claim is false and provided them the record of me paying off my last bill. I also called XXXX, to clarify this huge error and they promised to fix it. Only for me to see a negative report on my credit report as account is reported as delinquent. This is damaging to not just my report, but to my mental and physical well-being. 
This same insurance company left an unpaid amount on the rental I was provided when I had an accident that I had to pay off myself, despite several attempts to get them to make the payment ( over {$350.00} ). The manner they treated me, led me to not renew my policy with them, as they are not customer friendly.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I was contacted by Portfolio Recovery Associates LLC around XX/XX/XXXX or XXXX. They advised me of my unpaid debt with XXXX XXXX XXXX. I setup payment plans of $ XXXX  monthly. I then login in on the XX/XX/XXXXXXXX  and decided to except a discount payment plan. I paid it off entirely. It was a payment of {$2500.00} of {$5600.00} of debt owed. My concern is the age of the debt. It's from XXXX  or XXXX. Would I still owe debt this old or did I get scammed by Portfolio Recovery Associates LLC? What do you think?
Consumer complaint received 2024-06-21
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. (IL)

This are unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
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. (FL)

Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several inquiries on my credit report generated by Transunion. Particularly, there are XXXX inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX  XXXX, inquiry made on XX/XX/2020 ; XXXX  XXXX XXXX XXXX, inquiry made on XX/XX/2020. 

I have no business or open accounts with XXXX XXXX XXXX XXXX. I do however have an active credit card with XXXX  XXXX, but NOT AN AUTO LOAN. Nevertheless on those specified dates, I did not have any interaction with either XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX  XXXX. When I called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX, they said because they do not have any accounts with them, they could not have possible issued any inquiries for me or on my behalf ; not to mention, they said they DO NOT have a record of making any inquiries. 

By way of certified mail, on XX/XX/2020, I wrote Transunion and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/2020, to no avail. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TN)

My husband refinanced our home in XXXX and shortly after he did he developed health problems and wasnt able to pay the MORTAGAGE he asked for financial help through PHHMortgage and was assisted but wasnt told if he continued with the financial assistance that he would eventually lose his home. He has XXXX XXXX XXXX XXXXXX/XX/XXXX shortly after that he received a letter from PHH mortgage telling him he needed to pay XXXX XXXX to keep our home. It also gave information as to get financial assistance through this MORTAGAGE company and when we applied for the financial assistance we was told we didnt qualify because we was too far behind on the mortgage. We was told there were programs out there could assist us with this financial crisis and thats when all the problems started. A foreclosure letter was sent to us about our home being foreclosed on and realtors was interested in buying our home we was told PHH mortgage to send in all required documents and it would be considered in a certain amount of time after that we started getting misleading information from the mortgage company they wasnt being honest about the documents wed send in and gave us the run around cutting us. Short on time alotted to be given the chance to get our home sold. Then we requested to have a short sale on our property and they continued to lie about documents that we sent in to the mortgage company. This has been going on now for 5 months and we still have yet to receive approval for the short sale and we are continually being lied to about requested documents that they are saying they do t have or theyre sent wrong. I started recording the conversations about the what documents they needed and we are still getting the run around because they continue to lie about requested documents that they are saying they dont have and we know weve sent to them now for 5 months please help me and my family get to the bottom of this matter before they take out home thank you
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.