davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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)

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 information is inaccurate.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are XXXX XXXXXXXX who refuse to properly verify an alleged debt, as I have repeatedly requested the original signed contract as proof that a debt is owed. Instead, they decided to file a lawsuit. And their repeated and dismissive response to get the CFPB to close complaints against them is false : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( KPD ) is in receipt of the complaint ( XXXX ) filed by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX represents Capital One, N.A., successor by merger or interest to Capital One Bank ( USA ), N.A., in a collection lawsuit filed against XXXX XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under Case Number XXXX. The lawsuit is ongoing and all outstanding issues are expected to be resolved through those proceedings. '' This issue is not expected to be resolved through court proceedings because they have asked the court to MOOT my motion to compel them to present the original contract agreement. In other words, they do not feel that they should present the original contract agreement to me or the courts although they are suing for an alleged contract. Make it make sense, please. I am demanding at this point that they explain why they will not properly verify the debt by presenting the original contract agreement, as they are in violation of the XXXX XXXX XXXX XXXX  and each violation is a cause for monetary relief.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX, I Have no knowledge of this Account CAPITAL ONE XXXX, I Have never Signed a Contract with XXXX XXXX XXXX ; or CAPITAL ONE ; I did not give any written instructions to furnish my account to XXXX XXXX XXXX ; Nor, CAPITAL ONE ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void XXXX XXXX 

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 an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX ; of CAPITAL ONE ; to Immediately Delete this account CAPITAL ONE XXXX, with XXXX XXXX from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file CAPITAL ONE XXXX, has damaged XXXX XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared ; For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. 

Pay to the order of : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

I have sent requests to both XXXX and Equifax for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called Equifax to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Several months ago I received a solicitation call from Amex with an offer of XXXX membership rewards points if I upgraded one of my Amex business cards to Amex Plat. That salesperson explicitly and directly told me that I could " downgrade back down to a lesser Amex card once the annual fee hit.

I questioned that and they confirmed -- there's not the slightest doubt in my mind I was told that. Another  Amex rep just under a month ago, said I " should wait till the account renews in XX/XX/XXXX '' before downgrading. They now have pulled the XXXX and said I needed to stay w/ the Plat for 1 year ( and, hey, not really all that unreasonable, ) but the sales team ( or whatever they are called ) definitely, definitely, definitely lied to me when " selling '' the upgraded card back in XX/XX/XXXX or whenever that was.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I purchased airlines tickets to travel around XX/XX/2022 from XXXX. I used the method of payment Affirm. it was a total of around {$440.00} Booking # XXXX Affirm pay XXXX however I had a family emergency and I was not able to travel so I cancelled my booking and requested a refund to Affirm. I communicated via email with XXXX requesting this cancellation and they approved it and proceed to send a refund to Affirm which it never happened. I have tried many time to contact XXXX regarding this issue and they all said that the refund was granted yet my credit now has been affected with a collection for apparently not paying Affirm for something I never used and was told the money it was going to be returned back to the original form of payment which it was Affirm. I also spoke to members of Affirm explaining everything and how I never used the money or traveled but they told me that they would wait for cheapoair to refung them their money.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$550.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX
Consumer complaint received 2024-03-30
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. (GA)

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 XXXX XXXX Account Number : XXXX and 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 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have notified XXXX over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as XXXX continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but XXXX will not update the information.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I don't recognize this inquiry I never apply for XXXXXXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX I contacted Transunion and mailed numerous documents regarding my being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file # XXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The XXXX reports shows a claim related to carpet damage at the XXXX apartment complex in XXXX, Texas in XXXX The claim is incorrect and the collection report was already removed from XXXX and XXXX reports. The credit ( XXXX XXXX ) never verified or validated the claim and continues to incorrectly and FRAUDULENTLY assert it.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Consultants of California (TX)

XX/XX/2017, I was reviewing my credit report like I do every year and saw a collection account from Collection Consultants for {$210.00}. I immediately reached out to the company by mail asking for more information about this debt including validation. Collection Consultants ignored my request and responded by adding XXXX MORE collections on my credit file and added the remarks " Unable to locate consumer. '' This is a fabrication of the truth since my return address was on the letter. I reached out to them a second time via certified mail in XX/XX/2017 and the company has blatantly ignored my repeated request for validation of these XXXX debts I allegedly owe. Collection Consultants have violated the Texas Finance Code by attempting to collect a debt for which they are not licensed or bonded or legally able to collect on the in the state of Texas. This inaccurate information has caused me great harm by tarnishing my credit file.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe TRANSUNION has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING TRANSUNION exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until TRANSUNION has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation
Consumer complaint received 2023-07-22
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. (AZ)

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. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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 2022-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXXand CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Between XX/XX/XXXX and XX/XX/XXXX somebody use debit my card without my permission. It was XXXX transactions totaling {$XXXX}. Ive made many calls to XXXX and filed a dispute Twice and both times they determine that I was responsible for the purchases.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I sent Experian a dispute letter because they are reporting a few of my accounts inaccurately. I requested in my letter that the incorrect late payments be removed from my credit report. They did not investigate my dispute and never removed the incorrect information. I verified with the other bureaus, XXXX and XXXX and both are not reporting these accounts late. I am trying to understand why Experian is not reporting accurately if they are all the same accounts from the same creditor. They are clearly breaking the law : According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. Misleading False Reporting : These accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Having this inaccurate information reporting on my credit report has been detrimental to my credit health and it is not fair that they are allowed to falsely report on consumer credit reports. I have attached copies of each account from Experian and XXXX as proof of inaccurate reporting. XXXX Credit Bureau is reporting all accounts current with ZERO late payments. Please hold Experian Credit Bureau accountable for their false reporting.