davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

XXXX and XXXX is reporting wrong info on my credit report making it harder to obtain credit. 
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
XXXX ) XXXX XXXX These negaitve deragotory remarks. Are prohibiting me from obtaining credit and I would like them removed from my credit report these are iteams of identify theft
Consumer complaint received 2024-05-07
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. (NY)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: EA Holdings Corp. (IL)

XX/XX/24 my vehicle was repossessed from my fenced in back yard during rest hours a few neighbors tried to ask them not to go in yard yet they refused my daughter scream from the window dont take my dad car they just took it anyway so, I was not notified of the repo XXXXdays prior although its illegal to repossess someones property to collect on a debt yet they took my car and all my belongings inside they have not called they send some automated service number to contact them. These are unjust actions that violate consumer rights to privacy and property and is outside of code and title this action has breached the peace my fence destroyed
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Again this card company I have two cards with Cabela club card and a Walmart rewards card that both where comprised and 5 different fraud claim cases with the police report stating I was not in those places to make these purchases and they refuse to fix my account with thousands of dollars of charges on two account that I would not even to begin to put in this space all the transactions .. never recieved the new cards used to me and still charges going on my account I didnt have the cards in my possession to make
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

XX/XX/year>, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) LVNV FUNDING LLC 2. ) XXXX XXXX 3 . ) XXXX XXXX
Consumer complaint received 2024-03-04
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. (CA)

I am XXXX, with a credit score of XXXX. Recently I was scouting the lending market for the trends in lending terms. I took the bait with XXXX XXXX ( XXXX XXXX  ) XXXX I applied and was flooded immediately with Sales Calls. The representative was reluctant to spit out the numbers I was looking for, e.g. FTV, APR, rates payments and terms. At one point my lack of enthusiasm to commit to a loan was met with a threat of an Adverse Action of " Unqualified '' if I do not continue with a loan. As a result, I did receive such a letter with an Adverse Action from Experian credit reporting. Is this a smack of elderly abuse, or age discrimination, or some other illegal credit reporting practices? 

n my life time, I've had a dozen mortgages. I am shocked that without my consent to the disclosures in the specific terms of a loan, I can be held hostage with an Adverse Action ( without committing to a loan. ) Where and when did I sign? How can I be " Unqualified '' when I have not even deciding on the undisclosed terms?
Consumer complaint received 2024-02-28
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. (TX)

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through Trans Union. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize 2 credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXX of XXXX XXXX somehow submitted the application, which was intended only for XXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a TransUnion Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

US bank has never done its job when it comes to unauthorized charges. It happened to me twice where I filed fraudulent disputes on my checking accounts. Within a COUPLE of DAYS, US bank responded that the charges were " authorized '' without providing me any investigation result. They could not have investigated anything within just a couple of days. Please see attachment on the most recent charges {$400.00} + {$13.00} + {$10.00} which they concluded within a week after I filed my disputes. Nonetheless, no documentation was provided on how they were able to conclude their investigation.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Since I opened an account with Bank Of America I have not received any cash back rewards. Also they opened a credit card with my name saying there is {$2500.00} limit without my permission and they did not send me this card they also keep overcharging me fees monthly.
Consumer complaint received 2024-05-07
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. (IL)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I made a payment on two of my accounts one of my accounts I made a payment of {$50.00} next account I made a payment of {$300.00} on one of my credit cards for {$50.00} was available the next day and the other the XXXX was not available and they told me that it would be on the app but when I spoke with them they said that there was a hold on that money placing me in XXXX XXXX
Consumer complaint received 2024-05-09
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX Balance : {$700.00}
Consumer complaint received 2024-05-07
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. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-03
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. (IA)

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.

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 informationisinaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Justice Finance Company (TX)

Justice Finance-Late Payment & Charge off -Removed open- XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XX/XX/2022 I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I file this complaint to request that certain remarks be removed from the comment section of my XXXX Capital One accounts on my XXXX credit report. I have attached my XXXX credit report, which is dated today, XX/XX/year>. On page XXXX of the credit report, the comments section states [ a ] ccount previously in dispute - investigation complete, reported by data furnisher. On page XXXX of the report, the comments section states [ a ] ccount closed at consumer 's request and dispute investigation completed, consumer disagrees. I would like to request that both of these comments be removed. My ID is attached.
Consumer complaint received 2024-05-07
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. (TX)

In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy. 

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor XXXX and XXXX have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX, is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Consumer complaint received 2024-04-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

A technical error allowed a charge to overdraft my prepaid gift card. That charge has been reversed and refunded, but American Express restricted my card and refuses to give me access to the funds that were returned to it. I included an attachment which breaks down all of the dates, transactions and attempts that I have made to resolve the issue with American Express. They promised me a resolution several times, only to tell me that there is " nothing that can be done '', when I follow up.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2024, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) XXXX XXXX XXXX 2. ) COMENITY BANK/VICTORI 3 . ) XXXX XXXX
Consumer complaint received 2024-05-07
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. (CA)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (CA)

On XX/XX/2024 around XXXX/EDT we arrived at Huntington Bank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI with an order from XXXX County Probate Court and a document designating myself as an authorized representative of the estate and were not only denied access to the safety deposit box per the court order but when asking who made the determination was not given a specific name, was asked to turn over death certificates, legal documents and other sensitive information while refusing to clarify who the information was being given to and for what purpose. After then requesting for the bank representative to respond to the court order stating their refusal to provide access they also declined. Additionally, when I pressed to received a document outlining the banks process for allowing representatives of an estate to access a decedents accounts they refused to articulate the process as well and proceeded to become hostile when being asked reasonable questions about bank procedure which led us to believe there was systemic and individualized bias playing out during this transaction.
Consumer complaint received 2024-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

The state of texas paid XXXX back in XXXX XXXX of 2023. They then turned around and sent payments for XXXX XXXX and XXXX. At the time when I applied for my the assistance my balance was only XXXX. They transferred my loan from Cardinal Financial to XXXX XXXX without my permission.
Consumer complaint received 2024-05-08
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. (PA)

I no longer have an outstanding balance with XXXX XXXX and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have two credit cards with XXXX XXXX  When I make purchases and have a balance on one or both cards my transunion score goes up and XXXX goes down. When I pay them off to avoid interest my transunion score goes down and XXXX goes up. It has always been my experience that credit card balances cause scores to go down and paying them off they go up. It was working the way it's suppose to with transunion but somewhere without me noticing until recently transunion now is doing it the opposite of the right way that they used to. My score will and should go down when I secure a balance and up XXXX  points more then it went down which is one easy way to build a score. Because of the illegitimate way that transunion is doing it my score goes up with a balance and down slightly more then it went up when I pay it off. The message from transunion to consumers is that the only way you can build your credit score is to maintain a balance on credit cards and hence pay interest. Pay interest or suffer bad credit. Transunion has been breaking the law in several ways for many years. Why is it that it took so long for a government agency to find out and do something about it and now their at it again and nobody is doing anything to monitor them? No company should be able to manipulate some ones credit without extreme oversight by a competent authority. Misinformation on a credit report has proven to be devastating to many consumers. Transunion should be shut down but the so called agencies that are in place to protect the consumer are not much better then those they are suppose to monitor. My transunion score is XXXX and XXXX is XXXX. I have never experienced this much of a difference between my scores and it is because transunion is not following credit reporting policies set by law. How does a company like this make their profit? Off of whose back?