davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX, I received an alert on my phone and vis email, that there was a change to my credit profile. When I logged into my credit profile I saw a hard inquiry on my credit about Capital One Credit Card application. I never applied for capital one credit card. This is a fraudulent application that has used my social security number and identity in an attempt to obtain a credit line.
Consumer complaint received 2023-02-28
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. (TN)

I have fraudulent items reporting on my credit report and have sought remedy in multiple ways as this is so violating to have accounts and hard inquiries on my report that aren't mine. The most recent was when I sent an identity theft report to TransUnion certified mail with return receipt on XX/XX/23. It was received on XX/XX/23 ( per return receipt ). I called customer service on XX/XX/23 to confirm it was received. The man I spoke to told me that though it was allegedly received, it was not yet uploaded to their system and to call back in a few days. Totally fine. On XX/XX/23, I called THREE times. The first person said " we received your paperwork but can not remove the items because what you submitted was illegible. '' Unless my letter ended up in the Ohio derailment and caught on fire, then made it back to USPS and got delivered to TU, it was clearly printed 12-pt font and 100 % legible. The second person hung up on me. The third person said " we received your paperwork but we can not remove the account. We can only change the status to being investigated. We sent you a letter outlining all of this that you should receive in 7-10 business days. '' What I demanded in my letter to TU was not that they should " investigate '' but that they REMOVE the fraudulent items! I am dealing with the bank that issued the fraudulent account separately, and per 15 US Code 1681c-2, they must remove these items as it's severely discriminatory and causing me difficulty in obtaining new credit as I'm starting a new business, and the amount of times I've tried to get through to someone can help... I can't even count. This is my next effort to get through and hopefully get these FRAUDULENT items off my report!
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

on XX/XX/2022, I was contacted by the USAA fraud department and advised that frauduent checks had been deposited to my account and the money withdrawn. In addition, a person purporting to be me that had called USAA and received 0ver {$3000.00} in refunds for none existent purchases. 

This activity went in for several days and it wasn't until the amount was over {$10000.00} in the negative that I was contacted. 

Additionally, I have been totally blocked from assessing the web sight so I am unable to see any information or mobile deposits or transcripts of telephone conversations with the company and people pretending to be me. 

I feel strongly that USAA failed to secure my accounts and now are withholding money from both my pay checks and social security and expecting me to pay for their mistakes.
Consumer complaint received 2024-03-25
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. (CA)

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/20 XXXX by TransUnion # XXXX. XXXX XXXX  -Account Number # XXXX XXXX $ XXXX # XXXX. XXXX XXXX XXXX Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX Account Number # XXXX Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (CA)

After being sent to a private hospital by the XXXX XXXX for major XXXX XXXX, a small portion {$1400.00} of the {$140000.00} bill has been an issue between the VA and the XXXX. As a XXXX Veteran, I am 100 % covered and not financially responsible. 

This debt has been passed from another harassing debt collector to yours after the VA has already make effort to clear this up and has spoken to your representative about the issue and was assured I would NOT be harassed over this debt any longer by your company. 
Then I get another harassing call. 

Please, I'm dealing with enough mental health and XXXX XXXX XXXX issues as it is. Having a bill collector harassing me has been a real trigger during this holiday. Please STOP. Please? 

{$1400.00}? Go after the VA, or someone else. I've given enough for our country. I certainly can't afford any more... 
Please?
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: LHR Inc. (CO)

Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.
Consumer complaint received 2022-11-21
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. (NJ)

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in 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 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 2022-12-29
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. (CA)

I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (PA)

I've been paying off a loan with ( SST ) Systems Services Tech Inc ( this company took over XXXX XXXX XXXX XX/XX/2019 ( had a temp hardship XX/XX/2019 i called the company and they gave me an extension for a month to get back on track which I did ( I had to pay some sort of re-adjustment fee to do this and I payed this fee i was back on track {$120.00} each month but then i started to get treating letters to pay the account in full all at once I called their customer service and they had no record of the adjusted fee i payed ( but then they found it when i asked to speak to a manger then they asked for a second fee because they said that my account needed to be brought back up to date because of the last information not bein in the system i paid another fee after two or three months of paying every month on time through my XXXX Bill Pay i started to receive threating phone call from this company several times a day my home phone and cell phone I finally called them and requested that phone calls stop or i would be filing a complaint against the company they requested a late fee I refused and told them that I will continue to pay my bill each month as I was doing through my bank until this loan was paid off Now I'm getting the demand payments in full letters each month and they have been reporting my account to all three credit bureaus and late and not paid this is not true and it's not fair times are very difficult but i pay all my bills every month through my bank this can be checked i did speak to someone at the company but they have just blown me off how could this company do this this is not justified at all so i looked into this company with the XXXX and found that i was not the only consumer that they have ripped off and treated unfair, who regulates these take over companies when another goes out of business ( XXXX was a company that help military families when they may be going through a little hardship, that's how i got involved with this, but now the takeover company SST is rea ; ; y taking advantage of this situation ( What can CFPB do to help? Thank You.
Consumer complaint received 2024-03-25
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 HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

I DID NOT APPLY FOR A STORE CREDIT CARD WITH XXXX XXXX/XXXX XXXX. THIS IS FRAUD AND I WILL SUE EXPERIAN IF THIS IS NOT REMOVED!! XXXX HAS ALREADY IDENTIFIED THIS AS FRAUDULENT ACTIVITY AND REMOVED THE HARD PULL FROM MY CREDIT REPORT, WHY HASNT EXPERIAN??!?!?
Consumer complaint received 2024-03-25
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. (PA)

This company is sharing non public personal information about my relationship with non affiliates in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-25
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 2022-12-29
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 (CA)

Capital one issued my 1st card approximately 15 yrs ago. A 2nd card was issues a few years later and I was recently approved for a business card. I have been an exemplary customer always paying on time every month. All my cards were restricted in XX/XX/XXXX by fraud requesting that I confirm my identity. I have never has any issues with any fraud. I immediately sent all documentation requested and also sent a 2nd time due to my bank statements expired since they took too long to review my case. I have proven my identity and my address as shown on my bank statements copies of my drivers license etc.sent docs a 2nd time XXXX. I was advised several times everything was verified and the restriction would be removed. While waiting they closed 1 of my cards. I called today and was told as of XX/XX/XXXX all my accounts are closed due to not being able to verify my identity. I work for a Bank and I am who I say I am and verification has been sent as requested. I feel I am being treated unfairly and discriminated against for no reason. I also moved on XXXX and requested to update my address to receive the letter sent XX/XX/XXXX and my monthly statements due to online access taken away Request denied Thank you
Consumer complaint received 2021-01-02
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. (GA)

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. It states XXXX made a Bank / Credit Card Inquiry by checking your Transunion Credit File. It declares : Credit Alert New Inquiry Reported By XXXX Reported On XX/XX/2020. I understand when you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. This inquiry was made by https : //www.finder.com/barclaycard-pre-qualify-credit-cards online website. I remember working with Barclaycard.com on XX/XX/2020, as they are the company I used for a pre-qualified credit card application. ( see attached screenshot on attached letter ) However, I applied with the understanding this would NOT be a hard pull on my credit report. Pre-Qualified has the benefit of No effect on credit score. 
Under no circumstances did I approve a hard inquiry to my credit report. XXXX website clearly states pre-qualified. 
Transunion sent a letter on XX/XX/2020, stating inquiry stays on your credit file for two years and the XXXX website clearly states this for pre-qualified application.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im concerned with quite a few addresses that keep showing back up on my account that I cant seem to permanently get rid of ... Also theres an account for XXXX  thats dated XX/XX/2020 which absolutely does not belong to me because I havent visited any hospital lately. Theres an account for XXXX  which I have no recollection of or do I even no what that is. Im very concerned as to y I have some sort of Federal freeze that I will make sure I call first thing Monday morning. The sooner someone gets back to me the better Ill feel about all of the identity theft that I seem to be having issues with a lot lately!
Consumer complaint received 2022-12-29
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. (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 # 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 2022-12-29
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. (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 # 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.