davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently had a dispute with with Capital one bank because of a merchant named XXXX XXXX. My Capital one account information was compromised and there were XXXX unauthorized transactions for {$5000.00} and {$4700.00}. I then received my funds and got an email that stated the investigation was over and competed and my dispute have been resolved. Capital one bank then restricted my checking and savings account a few days later saying they will close out my account while it is under review, and they will send me a check in the mail after closure. I asked when will the review be done and close my account so I can get my funds, but they would not give me a date of closure or explanation of whats going on, and when I can receive my check. I have all my hard earned money in there. Also they would not let me go in to a physical branch to get funds either.
Consumer complaint received 2023-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

I sent many letters on XX/XX/2023 and XX/XX/2023 demanding proof of this debt. Ability Recovery Services obtained this debt from XXXX XXXX XXXX, XXXX. 

They did not respond to my request until XX/XX/XXXX when I filed my first complaint. 

XXXX has now suspended the debt and DEMANDED XXXX remove it from my credit report. The debt is still on my credit and MUST BE REMOVED per the debt owners demands and illegal activity.
Consumer complaint received 2023-08-17
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. (NV)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (CA)

I am a natural person a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. They have violated my rights numberous times. I demand the inquiries listed below be removed because according to 15 USC I have the right to privacy and I did not give Equifax written permission to furnish these inquiries nor do I recognize any of these. 

XXXX XXXX XXXX XXXX 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 2020-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates LLC has repeatedly made " robo-calls '' to my number without replying, during my work hours and continued to make phone calls when asked to stop. They have failed to provide any evidence of a valid debt, They also offered to give me the social security number of the debt they are attempting to collect, which i stopped them from doing, In conversations they failed to verify any further information other than my name. Addresses given were never lived at by me or my family. They are routinely rude and obscene on phone calls and very threatening in their demeanor. I have repeatedly told them to halt harassing calls, and they have failed to do so. They have now renewed an older than 7 year account on my credit report with no basis to collect.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (SC)

XXXX XXXX Bank XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XX/XX/23 and XX/XX/23 XXXX XX/XX/23
Consumer complaint received 2023-04-17
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: SANTANDER HOLDINGS USA, INC. (IL)

There is two hard inquiries shown in my Cridit report on on XX/XX/XXXX, and XX/XX/XXXX From the two companies I didnt try to do anything with them I dont know anything about them am call them to ask about that and there is no answer.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.
Consumer complaint received 2023-08-17
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: BARCLAYS BANK DELAWARE (CA)

This is my complaint about BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action.

As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2022-11-30
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. (AL)

XXXX XXXX XXXXXXXX. High Credit balance reported as a loss by credit grantor. XXXX XXXX XXXX. XXXX is {$0.00}. XXXX I have no knowledge of this account, if this was charged off it can not still be reporting. you must remove or submit a XXXX because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2022-11-30
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. (FL)

I have tried to call and reach out to experian, XXXX, and Transunion and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable. 
Account name / numbers. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

On XX/XX/XXXX my husband and I called Nelnet to request an Administrative Forbearance ( AF ), and to inform them that we had filed a complaint with Federal Student Aid ( FSA ), in that Nelnet has failed to follow through on the XXXX law signed by President Biden to allow those of us with Spousal Consolidation ( SC ), loans to be able to separate our loans. XXXX, the Nelnet representative we spoke with, said they had received no direction on how to proceed with an AF for those with SC loans. After being put on hold several times, XXXX responded to us that yes, Nelnet would process our AF request and that the process would be completed by XX/XX/XXXX when our next payment would be due. We provided XXXX with our complaint numbers through FSA, and were assured the AF would be completed without capitalized interest. On XX/XX/XXXX, after noticing no recent activity on the Nelnet website, I called them again, and asked about the status of our request and processed AF. XXXX, and later XXXX, a Resolution Specialist at Nelnet told me that the AF we requested, and told was in process, was not true and we would continue to be billed. The representatives repeated that Nelnet has not received guidance from DOE on how to provide an AF for SC loans. No apologies, no nothing.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (AR)

I am writing to dispute a collections tradeline on my credit report that is incorrectly reporting an expired debt beyond the statute of limitations. This account is being reported by : Debt Collector Name : XXXX XXXX XXXX -- Account # XXXX. As shown in the attached account summary from the debt collector : -- The original creditor was XXXX XXXX -- The debt originated on XX/XX/XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX. According to XXXX XXXX XXXX AR Code 16-56-105, the statute of limitations on debt collection is 3 years. As this debt is from XXXX, with last payment in XXXX, it exceeds the time limit to legally enforce collection of the debt.
Consumer complaint received 2024-04-02
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. (AL)

Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, Transunion, XXXX, XXXX XXXX, XXXX  and XXXX  regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.
Consumer complaint received 2023-08-17
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. (WI)

I have disputed the following inquires many times and haven't got any proof of them belonging to me. 

XXXX with date XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnishers and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Consumer complaint received 2023-08-17
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-17
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. (GA)

Unauthorized inquiry, this is result of identity theft XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

There is a medical debt from Collection bureau of the Hudson dated XX/XX/2017, that is showing on my XXXX credit report. I have disputed this deb multiple times to the Collection Agency as well as with XXXX. XXXX is telling me that the debt is valid but it isn't. It's not my debt and should not be on my credit report. I have sent valid proof and documentation to XXXX that this is not my debt. The collection agency refuses to respond to my letters.
Consumer complaint received 2024-04-01
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. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-08-17
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. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion credit reporting agency has deliberately furnished a fraudulent account ( XXXX XXXX ) on my credit report. This account has negatively affected me as a consumer by not allowing me to obtain any extensions on credit to obtain a vehicle of my own. I have provided an FTC report, court case documents, and a consumer statement by mail and Transunion has still chosen to behave in a negligent and fraudulent manner. This is a violation of 15 USC 1681b, none of the information that is being furnished is being reported in a lawful manner. I have attempted 3 times to get this information removed and provided supporting documentation every time.
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (FL)

To Whom It May Concern, I have been fighting these collection agencies attempting to collect debts which I do not owe for over 7 years, not only are they too old to be reported, these charges were also made fraudulently and I have been asking for proof, such as signatures, dates, or anything that could help me show I did not make these purchases.
Consumer complaint received 2023-08-17
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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. (NV)

This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account from my credit report.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.