davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX funding XXXX XXXX funding XXXX XXXX funding XXXX These accounts have inaccurate information and a large amount of late payments reporting which is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

TRANSUNION continues to report these accounts unlawfully, as the other 2 Credit reporting agencies have removed this erroneous information.

I need these accounts removed from my credit report immediately, as they are negatively affecting my life and ability to acquire any financing.
Consumer complaint received 2023-12-22
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 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 information is inaccurate.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Receivables, Inc. (GA)

I am writing to file a formal complaint against Collections Receivables Inc and the alleged original creditor, XXXXXXXX XXXX XXXXXXXX regarding their unjust attempts to collect a debt that is not owed. The details of my situation are as follows : Unauthorized Charges : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXXXXXX me from two separate companies without my consent. The charges were made by XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX. I immediately filed a dispute, and after conducting their own fraud investigation, my credit card company sided with me and found the charges to be unauthorized. After this I received a call from XXXX that I would be sent to collections for any money I won from the dispute. 

Medical Treatment Payment Process : It is important to note that I am responsible for paying only what my insurance does not cover. In the case of XXXX XXXX XXXXXXXX, I have diligently paid my share of the medical expenses. However, I have recently discovered that I have overpaid, and I am due for a refund. I also have reasonable suspicion they are engaging in balance billing, which violates federal law. 

Unjust Debt Collection Attempts : Despite the resolution of the unauthorized charges and the overpayment issue, Collections Receivables Inc continues to pursue collection efforts for a debt that is not owed. Their actions are not only unwarranted but also in direct contradiction to the findings of my credit card company 's fraud investigation. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that Collections Receivables Inc ceases their unjust debt collection attempts. Also, XXXXXXXX XXXX XXXXXXXX should refund me what I overpaid them. I believe that their actions are not only in violation of fair debt collection practices, but also causing undue stress and inconvenience. 

I have attached relevant documentation, including the resolution from my credit card company 's fraud investigation and proof of overpayment to XXXX XXXX XXXX, for your review. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX
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: Experian Information Solutions 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 information is inaccurate.
Consumer complaint received 2023-11-09
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

I received a credit card from Chase/XXXX that I did not apply for. Very disturbing that a credit card was opened in my name. Chase has still not told me how/why the card was opened.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) result of identity theft These are not my accounts
Consumer complaint received 2023-12-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had an acvount with XXXX that is posting as a paid collection with XXXX XXXX XXXX when in fact it was paid to the original creditor and is showing on my credit profile as a paid collection I have always had perfect payment history and this mark on my credit file is mentally damaging and is fraud improper posting in my crefit file.
Consumer complaint received 2024-07-08
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. (NH)

XXXX is being prejudice. XXXX is hiding XXXXXXXX XXXX XXXX from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. XXXX is being prejudice by not updating my credit report. XXXX has been treating me unfair by looking at my supporting evidence that supports my dispute. XXXX has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, 2021 chime closed my acct due to their error ( chime error ) submitted letter of error to XXXX they XXXX drop my score XXXX points for a " safe '' credit building card. that i put my money in. chime allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. Chime punished me because they messed punished me for their noncompliance after many chime 2021 policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and XXXX backed them up and despite the facts and evidence letter from chime stating the error was on XXXX behave XXXX refused to restore my XXXX point that were unfairly dropped..
Consumer complaint received 2024-04-22
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)

I was notified that there was a hard check on my credit, I did not authorize this action. I contacted XXXX XXXX and stopped the credit card application. This occurred on XX/XX/24.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian has been falsely reporting information on my credit report that has impacted my score and credit report. 
The following collection accounts listed below have been furnished on my credit report a totalling a balance owed collectively {$1400.00} The companies are : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$280.00} XXXX {$520.00} At no time was written consent provided to Experian or the debt collectors to furnish the information on my credit report. Without my WRITTEN CONSENT the accounts are considered frauduent under the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-04-22
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am SERIOUSLY being harassed by CapitalOne. I have had a credit card with them for years. I changed my phone number almost a year ago and tried going online to report this during the summer of XXXX. I have called CapitalOne to tell them of the change and they have locked out my account and classified my account under fraud. I have called them back, including tonight, XX/XX/XXXX, to request the pay off total to close the account altogether. Despite providing CapitalOne my account number, social security number, bank account information where my payments come from, they REFUSE to provide me with any information. I can't get my pay off total using their online services or from the idiots they employee over the phone. 

I have made ALL of my payments to CapitalOne and don't believe I have ever been late. I am a XXXX good customer and they should be thanking me for using them. I am XXXX years old and believe I am being harassed by CapitalOne with continuous hassles. I AM IN A PROTECTED CLASS AND NEED TO BE ASSISTED WITH CAPITAL ONE PLEASE!
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (KS)

I borrowed money on a XXXX XXXX XXXX around XXXX. At the time I purchased the car I lived in XXXX  where it was registered with a XXXX to US Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the time of the loan, I took a job in XXXX  at which time I registered the car in XXXX  with the XXXX still on the car. In XXXX XXXXXXXX XXXX XXXXXXXX I paid off the loan and never received the Lien Release. In XXXXXXXX XXXX XXXXXXXX I moved back to XXXX  when I went to register the car in XXXX, I tried to get a title, but XXXX  can't give me a title as they were still waiting for the Lien release from US Bank. In XXXX I called US Bank, and they said they had to update my address in the system before they could send me the lien release. I updated my address with them and waited on my release it never showed up so in XX/XX/XXXX (? ) I called US Bank back they indicated there was a problem with whoever was updating my address so they would get that fixed and guaranteed me I would have the release within XXXX days by mail. On XXXX XXXX I called once again and spoke to a representative and asked if i could get the release emailed to the county, she said she could not but could email me a copy of the lien release I said that would be great. She sent me an email and it was just the original copy of the electronic lien that was placed on the car when it was purchased. On XX/XX/XXXX I called US Bank again to tell them I got the electronic copy of the receipt but I needed a release. they informed me they would get this expedited and I would receive a call back within XXXX to XXXX hours on when I could expect to receive the release. XX/XX/XXXX, I called US Bank as I never got a call, once again I was told the address on file was not a good address, so I verified my address, and it was the correct current address that I get mail to everyday. She said now that they have verified my address that I would receive a call within XXXX hours from a person to let me know when I can expect my lien release. I have asked multiple times if this release could be emailed directly to the county treasurer so that we could get this taken care of and they keep telling me they can't do that. When I first started this process, I was trying to renew my tag into the state where I now reside, but since the process started, we had a hailstorm, and my car has now been totaled and I have to produce a title to the insurance company, and my tag will expire in a month. I feel as if I have tried everything within my power to get this resolved, but at this point I am out of time and feel I am getting nowhere.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My history of my loans are incorrect : I have been trying to rectify this situation with Mohela and the Dept of Education for over a year. My student loans have been handled by multiple companies since XXXX. I am currently a XXXX  and I am trying to get an accurate history of all my payments I have made on my loans since I began repayment back in XXXX. 

When my loans were handled by XXXX XXXX XXXX XXXX XXXX, the payments I had during that time were never stored in the history of the loans, as the company went bankrupt. Now when you look at the payment history of my loans, from XX/XX/XXXX to XX/XX/XXXX, there is no history of payments being made. 

When I reached out to Mohela ( and the Dept of Education ) to fix this information neither could give an answer why the payments were missing. I have also submitted documentation in the form of my bank statements during this time to show payments that were made. And this supporting documentation was also ignored. 

Attached to this complaint are those bank statements with the history of payments.