davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

Bread Cashback American Express Credit Card are the worst handling rightfully credit card charges dispute.

They are incompetent and rude. They have my evidence presented to them and are playing hardball towards my refund of {$600.00} dollars.
Consumer complaint received 2023-06-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-29
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2023-06-28
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. (DE)

I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Collections Account : XXXX XXXX : opened XX/XX/XXXX Credit inquired with dates as followed : XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried to have this situation resolved with no resolutions. XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$2300.00}.
Consumer complaint received 2023-06-28
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. (NY)

XXXX XXXX DBA XXXX  reported a fraudulent account on my credit reports. i have never done business with this company i have reached out through regular us mail and certified mail with return receipt and still have not heard a response. 
This account the have is not mine and they are violating my consumer rights. 
i asked that they provide me with a contract that bears my actual signature, and a copy of the Identification used to open this alleged account. Since this is a loan i am sure they need all of these things to loan or lease anything. If any products or merchandise was sold i would like the shipping or mailing address where these items were sent.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (IL)

This Collection agency is not licensed to collect debt in the state of Illinois where I reside.

This alleged debt has passed the statute of limitation to collect in Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt in collection by your agency, Cavalry Portfolio Services , as it appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question.

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request.

Please provide the following information to validate the debt : XXXX. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance. 

XXXX. A copy of the original purchase agreement between Cavalry Portfolio Services and the original creditor, XXXX. 

XXXX. Proof that Cavalry Portfolio Services is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter.

Please note that I dispute owing any debt to Cavalry Portfolio Services or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately.

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (CT)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opend : XX/XX/XXXX Balance : {$8800.0XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$24.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (LA)

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

On is XX/XX/2020 and I still haven't even heard back from these Companies yet. 

They responded on XX/XX/2020 with adjustafiable information. 


The company did not fix anything & stated basically they maybe thought I was a attorney working on this for a consumer or not who I say I am, but I sent my documents proving who I am like my SSC & drivers licensee & stuff. My letters were very detailed and anyway it's been over more than 30 days with no response so by law all details has to be fixed. All my information was clear. Even the CFBP agent seen everything clearly & understood. They wasn't sure why neither. I will take legal actions
Consumer complaint received 2023-06-14
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 (MA)

My Capital One card was due to expire on XX/XX/XXXX. I was away on vacation in XXXX XXXX FL for my Anniversary in XX/XX/XXXX was using my card up until it expired in XXXX. I waited about 3 wks & I contacted them after I had made a XXXX payment on a XXXX credit limit, statement online said I had available balance but when I made a charge it was declined, when I called the company the 3rd week of XX/XX/XXXX they said they had sent another card to me & verified my mailing address & they closed the card I should have received, then they said it would take 7 to 10 days for me to get the new card. I waited 9 business days still no card came. There is a authorized user on my account who has a card of their own which also has expired & not replaced. I called again spoke with a rep that was able to research further & find out that the company placed a block on my account to not allow a new card to be mailed even though its expired, due to another account that was charged off over 8 yrs ago which is over the statue of limitations. My current capital 1 credit card is not past due is in good standing not late, nor closed by me or the creditor, in fact I have paid the entire balance of XXXX. I am being charged interest on a account I am not allowed to make purchases with & now has been paid in full but only interest is due, my authorized user has no legal obligation to the charged off account 8 yrs ago why are they penalizing them & not sending them a new card. Why is this company charging me fees for a card they will not allow me to make any purchases on & the balance was paid in full.
Consumer complaint received 2022-11-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

XXXX XXXX sent {$3000.00} from XXXX XXXX for or through XXXX XXXX. XXXX XXXX had me send money to him through other people and now the have stole {$2000.00} from my personal bank account.
Consumer complaint received 2022-10-26
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: JPMORGAN CHASE & CO. (TX)

divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXX XXXX XXXX acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late always reporting that i am late.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy Federal Credit Union, business account, checking and savings. 
We have been trying to close these accounts for months now. They have been dormant for 7- 10 years. But Navy Federal is using every possible excuse not to close the accounts. 
We went to the local branch and they said they can not close a business account. 
Then we tried over the phone to close them without any success. We were dealing with the main office near XXXX, VA What's the problem? the company has been out of business for at least 7 years. They are now XXXX balance. We didn't open an account for life. 
NFCU XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I contacted Comenity Bank regarding my credit card always being declined in XX/XX/. I learned that my old account was closed due to fraud and a new card was mailed out. I do not recall being told a new card was going to be mailed out. 

My issue in XX/XX/2023 I was charged a late fee. I did not receive a statement from Comenity to pay my monthly bill. I called to pay my account and asked for the late fee ti be waived. I was told my account was not eligible because Comenity can only waive a late fee every 18months. Because they did not receive returned mail, they still will not waive the fee. I escalated my call to a supervisor and was told the same thing. 

This is not fair and not okay with me. They are supposed to provide a billing statement and did not, or it was lost in the mail. Why am I being penalized in the amount of {$29.00} due to no fault of my own. My address is the same and I always pay my bill on time. 

The fee of {$29.00} should be reversed and I don't care about their policy unless they can prove they sent out a statement to my listed address and prove the statement was delivered to my address.
Consumer complaint received 2023-06-28
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. (NJ)

I appreciate your time to correct some of the erroneous items in my credit file ; however, there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
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. (NY)

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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C.1681 C. ( 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 crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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 2022-10-26
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: Onity Group Inc. (TX)

divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife Ocwen loan servicing acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.