davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Village Capital & Investment LLC (FL)

I am no longer a customer of Village Capital and therefore Village Capital should not continue to report to my consumer report.

In accordance with 15 U.S. Code 6803 ( a ) ( 2 ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution
Consumer complaint received 2023-10-06
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. (TN)

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (PA)

I'm an authorized user on my daughters XXXX XXXX account. It was helping me build my credit score on Transunion ( and the other bureaus ). Recently I checked my Transunion account and noticed there was a XXXX XXXX bill that was already paid on XX/XX/XXXX but not due until XX/XX/XXXX and not updated on Transunion. I contacted Transunion and disputed this bill asking them to remove it because it was already paid. They DID NOT remove the bill but removed THE XXXX XXXX ACCOUNT instead. I reached out to Transunion and after having to call them back 5 times because the representatives kept hanging up on me, I finally spoke with XXXX, a supervisor. She apologized stating they accidently removed the XXXX XXXX Account from my credit report BUT could not reinstate it. I would have to contact XXXX XXXX to be REMOVED from the XXXX XXXX account then RE-ADDED on the XXXX XXXX account inorder for Transunion to have XXXX XXXX added back on my credit report. 
This error is unacceptable and their lack of " customer service '' is beyond ridiculous. I need help in correcting this.
Consumer complaint received 2023-09-01
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-10
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)

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on XXXX, TransUnion, and XXXX, XXXX TransUnion and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with 2 different accounts when I only have 1 account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. XXXX, TransUnion, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (FL)

Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony. 
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter
Consumer complaint received 2023-08-31
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 (TN)

In accordance with the fair credit Reporting act Capital One Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 an purpose.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently opened a capitalOne " savor '' Mastercard. I did so entirely online. After I got the card in the mail, I logged into the same account I used to sign up and they would not let me unless I consented to receive Texts and calls so I called and spoke to XXXX, a supervisor who confirmed that CapitalOne requires consumers to agree to calls and texts for marketing and other reasons as a required condition to use the website - even though I used the website to get the card in the first place.
Consumer complaint received 2023-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

The Company name is REMEX , INC . They have called me at work on XX/XX/2023, demanding payment, telling me to borrow the money from someone. I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed. I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of $ XXXX per month - again he told me no, that it needed to be paid in full. After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. I still have not received anything, but have just noticed that this is now on my credit report However, this debt was paid in full to XXXX XXXX, XXXX - I expect Remex , Inc. to take this off of my credit report!!
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (GA)

I contacted MRS BPO LLC about an account they put on my credit report without even contacting me about the account which is a fraud account from XXXX when they said I opened an account with them XXXX of this year when I havent had XXXX. I talk to someone from the company, and they even said it was something not right about the account and something didnt add up so he disputed on his end, and I never received anything from them about the dispute so I disputed though the credit report agency, and they wont remove this fraud account that wasnt open by me when they even said it was something not right about the account themselves.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX I sent an email to XXXX they stated minor son had a credit file. I sent all of the information they requested via mail and they never the file. Ive followed up 4 times.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (CA)

Hello this is XXXX XXXX XXXX XXXX XXXX XXXX again I sure hope that everything that I told you you're finding out is the XXXX 's honest truth okay cuz the bank still has been lying to me I was just wondering when you guys were going to be able to wrap this up and refund my money any questions call me XXXX thank you
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope XXXX day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

In XX/XX/2023, I got notified that a transaction of {$1200.00} was made to buy airline tickets. This transaction was not approved by me so I filed a dispute against the transaction. Huntington National Bank investigated my account, credited back my money, and gave me a new debit card. 
In XX/XX/2023, I was going to pay a tab when the waiter told my my card had been declined. I got a phone call from Huntington asking me if I approved of a {$1000.00} XXXX XXXX purchase, which I immediately declined. The proceeded to lock my card and send me a new one. 

I had this new card for less than two weeks. On XX/XX/2023, I was going to buy food when again, my card was declined. I checked my bank account and realized I had an overdraft. XXXX unauthorized purchases had been made. XXXX to XXXX XXXX for {$1200.00} and the second to XXXX XXXX for {$540.00}. I immediately called my bank and disputed the charges. I also asked for a provisional credit since I had bills to pay. They said that since my bills were linked to my checking account, I can still make those charges since by the time they submitted the provisional credit, they would have it covered. I went XXXX weeks without receiving any type of credit or getting any updates about my disputes. I called every day to follow up but they dismissed me and said they couldn't do anything to help me. During this time, I followed their advice and got charged 3 times with overdraft fees. 

On XX/XX/2023 I got a letter in the mail saying they had completed their research on their end and determined that the transactions were authorized. I immediately called Huntington on XX/XX/2023 and asked them to send me the documents that they used to come to this determination. I also asked them to open up the case and continue the investigation. They said they would and would follow up with new information. On XX/XX/2023, 5 days later I called to get updates, which Huntington can not provide. I expressed that I still have bills to pay and need some sort of credit to ensure my account didn't go overdraft again. They said they couldn't along with not being able to provide the documents that I asked for on XX/XX/XXXX. 

I've called Huntington a total of XXXX times throughout this month. I have been dismissed and treated like I have been the careless one for having my information stolen. 
My complaint is that they have been rude, and I believe someone within the company is the one targeting customers and stealing their information to make these unauthorized purchases. This is not {$5.00} or {$50.00} or {$100.00}. This is almost {$2000.00} that were STOLEN from my checking account, and that has yet to be resolved or given further explanation on.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I didn't started these records, and I unequivocally suspect them to be deceitful. I compassionately demand that you completely research and quickly eliminate them from my credit report. I have given supporting documentation to prove my case.
Consumer complaint received 2024-04-10
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-10
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. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, Bankruptcy XXXX XXXXXXXX : # Reference XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I opened a note loan account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, XXXX XXXX has repeatedly reported to Equifax that my account is 30-59 days behind. I have disputed this information directly with XXXX XXXX on more than one occasion. I have also discussed this situation with the area manager of the local XXXX XXXX office and she has verified and agreed that my account has not been late and stated this would be corrected. 
Additionally, I have disputed the same information with Equifax. Both XXXX XXXX and Equifax are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my Equifax credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.