davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
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. (DE)

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  XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX 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 infor mation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX/XXXX  || Date of inquiry : XX/XX/XXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-10-07
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. (DE)

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  XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX 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 infor mation 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-07
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. (FL)

On XX/XX/2023, I sent a certified letter to XXXX in response to receiving my consumer report that is negatively impacting my consumer report. As per 15 USC 1681a 2, my transactions and experiences between me and the person making the report should be excluded. Additionally, 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Finally, 15 USC 1681b ( a ) ( 2 ) outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. As the consumer, I did not give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate, and injurious information to my consumer report.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I moved to a new state in XX/XX/2023 and in order to update my registration and get a new license plate, the DMV is requesting I have my loan agreement. I called capital one in XX/XX/2023 requesting this document. They said i

t takes 7-10 business days to send. I waited the 10 business days with no sight of the document so I called back. The next person confirmed the first representative did not process the request and did it again ( restarting the 7-10 business day wait ) during this time my previous registration e
xpired in XX/XX/2023 so this delay has caused me to drive with expired registration in an incorrect state. 
Another 7-10 business days passed and I still did not receive the document. I called back a third time and they said they will try to send again and to wait another 7-10 business days. It is now XX/XX/2023. There has been no urgency to assist this issue and when I called back a 4th time today to check on the status the gentlemen told me he didnt have access and hung up on me. I am running out of options and this delay is causing me to drive illegally due to the negligence of capital one.
Consumer complaint received 2024-04-04
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. (IN)

Many years ago TransUnion reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. Transunion, as well as XXXX and XXXX are all ignoring the emails to keep my credit score low.
Consumer complaint received 2023-10-07
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. (NJ)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Dear Transunion I am writing to dispute the following information that appears on my Transunion consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source of dispute information : XXXX  Type of disputed information : Unrecognized accounts, Unrecognized address. 
Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance.
Consumer complaint received 2023-06-06
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-07
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. (IL)

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. 

This accounts and Inquiries 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 2023-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (NC)

I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ). 

Prior to receiving the attached collection letter from CENTRAL PORTFLIO CONTROL dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( XXXX XXXX XXXX, XXXX, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One 's payment processing XXXX XXXX was not deliverable. My XXXX  2017 payment was returned by the XXXX XXXX as " XXXX XXXX ''.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hard Inquiries :  XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX  was requested by me to be removed on  XXXX / XXXX /  XXXX   to TRANSUNION because they 're not supposed  to  be on my credit report but their customer service would not help and take care of the negative inquiries on my credit report.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.
Consumer complaint received 2023-10-07
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. (FL)

I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

The customer 's complaint against TD Bank spans several key dates : XXXX XXXX XXXX XXXX The customer opened a TD Beyond Checking and a TD Signature Savings account based on specific advertisements promising fee waivers and account bonuses. 

XXXX XXXX XXXX  : The savings account was funded within the 20-day window as confirmed by a conversation with a TD representative. 

XXXX XXXX XXXX The customer surpassed the {$2500.00} direct deposit requirement for the checking account bonus, which was due by XXXX XXXX XXXX 

XXXX : TD bank charges fees against their terms of promotion and customer needs to make multiple calls to prove that the bank is not operating on the terms of agreement. 

XXXX XXXX XXXX XXXX  TD Bank had advertised that bonuses would be applied within 180 days from account opening. However, by this date, the customer had not received the promised bonuses. 

Subsequent days : The customer spent numerous hours on the phone with TD Bank representatives, including XXXX, who confirmed their eligibility for the bonuses and initiated a review process. 

Ongoing : TD Bank continued to delay the application of the bonuses, asking the customer to wait an additional 2-3 weeks despite prior confirmation of eligibility. 

In summary, the customer 's complaint highlights discrepancies between TD Bank 's advertised promotions and their actual implementation, spanning from XXXX XXXX XXXX XXXXXXXX XXXX  The delays in bonus payment and discrepancies in fee waivers led to extensive efforts by the customer to seek resolution.
Consumer complaint received 2023-10-07
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. (IL)

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.

This accounts and Inquiries 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 2023-10-07
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my XXXX  consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (WA)

Walmart 2 walmart money service on XX/XX/2023 my aunt sent XXXX got my act # and they keep the money saying fraud only able for refund no other information was available and XX/XX/XXXX I was to receive XXXX and was told the same thing they keep the money on the refund for 48hrs then the sender can get the refund I called ria the company and they will not give any answers to y it's fraud I need answers my aunt is XXXX and shouldn't have to do this
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I was told that my credit file was merged with a man born on the same date and same first name as me. His child support information and XXXX XXXX information along with his address information is on my file. I need to make sure that this isn't causing garnishment from my income taxes. I have no children. There are several address information on my file and it has been causing issues, his mail has been coming to my resident. I need to know if I need an attorney.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (TN)

I Received my credit report from trans union so I can dispute hard inquiries DISPUTE HARD INQUIRIES ASAP- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
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. (NC)

I never provided Experian with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX