davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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)

This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on XXXX but reporting updates on XXXX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from TRANSUNION which is also inaccurate. This account is also reporting updated balances with different, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TRANSUNION XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (NC)

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 validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio recovery associates have sued and threatened me via phone numerous times over small credit card debt ( sued over 5+ times over a {$3000.00} credit card debt ) have had many harassing attempts to serve me by knocking at my door at all times of day and making threatening remarks through the door. This is most horrific experience I went through. The credit card debt they purchased was due to medical issues I had back in XXXX they have no empathy and are relentless. Please help.
Consumer complaint received 2023-06-16
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. (CA)

I am a victim of identity theft and information reported in my TransUnion file is from that identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this mattXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is an ongoing issue with Capital One and I have had nothing but problems dealing with this credit card company. I opened up an account on XX/XX/2023 and which I was told I could do a balance transfer in which they did not happen because something was wrong with their computer system. Finally on XXXX XXXX  XXXX XXXXI was able to get through to make a balance transfer but now I am finding out that its still pending and the balance transfer wont even go through before the XXXX of this month and which I told all customer service representatives and a supervisor that it needed to go through before XXXX XXXX XXXX XXXXXXXX. I was told it would only take 3 to 5 days once my balance transfer was not pending anymore. Now I am hearing for the first time from a supervisor that it will take 15 more days after the 3 to 5 days before a check can be issued to my other credit card company for the balance transfer amount. So today I had to cancel the balance transfer because Capital One did not start the balance transfer process when I first called initially because they were having computer issues. Had Capital One taken care of the balance transfer immediately The balance transfer would have taken place already and my other credit card company would have received payment for balance transfer.
Consumer complaint received 2022-09-17
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. (IL)

This is the several times I've complained about being a victim of identity theft. Experian and XXXX must remove any item that 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 is not information relating to any transaction by the consumer. 


US BKPT CT XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (TX)

I was a senior in 2018 living in XXXX Texas. On my Credit there is a {$1200.00} debt for a security system in 2018 in XXXX Texas I believe. I am not sure who used my information and put their system in my name but I would like it off of my credit and corrected. Thanks
Consumer complaint received 2023-05-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (VA)

Dating back to XXXX my personal information was used to obtain a payday loan and siphon by bank account at the time. When noticing significant money leaving my bank account after talking with a representative at my financial institution month after month to resolve, I was instructed to close the bank account and to open a different account so this doesn't happen again. From XX/XX/XXXX - To now ( XX/XX/XXXX ) I have been called by debt collectors on my work cellphone from a new company each month claiming that I owe them money for a Payday loan that is physically unobtainable in the state I live in. It got to the point where these companies started to call my family members for this fraudulent debt. After saying this is Identity Theft from my info that's available on the dark web & people finding sites the company leaves me alone and gives it to another company since their stories & reasons for collecting change every time. This time I received a notification on my credit report that I have a collections account from Consumer Adjustment CO. I look at the details and its because of the XXXX fraud. My identity is still compromised because of this fraud years ago. I put freezes on my credit reports and social number then contacted XXXXonsumer Adjustment CO. After talking to the representative, the information they were asking me about was the information available online used in the fraud. They were trying to put words in my mouth to make it seem like it was me, but they could not tell me my current address or the actual date of when this identity theft took place and tried to get me to say more information about me. 

Even when you think that you have taken care of identity theft, they keep coming back. The dark web is a dangerous place and I have been a victim of my information on there for a long time, the most recent is my social security number and email in attempt to make a XXXX XXXX XXXXXXXX account on XX/XX/XXXX and XX/XX/XXXX of this year where they knew my full social. I pray that nobody else has to go through identity theft
Consumer complaint received 2022-10-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received statement from XXXXXXXX XXXX  indicating someone was trying to purchase an item for XXXX, not authorized. So I called XXXX and was told to call customer service number on the back of my card and asked for the fraud dept. I was connected to a person XXXX XXXX in the fraud dept., he said someone was trying to get money out of my saving acc. and we have to take the money out so they can't get it. So he advised a money transfer of XXXX to a company called XXXX XXXX XXXX in XXXX, NY so my bank did a transfer to that company. The man called XXXX XXXX from XXXX XXXX fraud dept. said he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire recall to stop the transaction. The bank said it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MD)

Prior to leaving for the XXXX XXXX I added {$2500.00} to my netspend card to pay for our resort stay which was {$2400.00}. When I arrived at the resort I presented my netpspend card for payment and it was declined multiple times for insufficient funds. I attempted to use my card directly and with XXXX XXXX but it continued to be declined. I contacted netspend customer service and all the representative kept saying is was insufficient funds but confirmed the amount on the card was {$2500.00}. They said they couldn't assist me with transferring the money back to personal checking account and that I would have to go online to do so. I couldn't access my account without roaming charges since I was out of the country. So I had absolutely no access to my money and the ATM only issued pesos with a fee. I was supposed to use this anywhere in the world they accept XXXX and XXXX but it would not process the transaction. After 2 hours at the reception area I had no choice to hand them my debit card. Now according to the resort they ran through a lesser amount to see if the transaction would go through and then I could use my personal debit card to pay the remaining. Since the transaction would not go through with netspend the resort without my permission charged my debit card the entire amount of XXXX. The next day, Mon XX/XX/XXXX I purchased items from the gift shop at the resort and my netspend card was accepted and also accepted at the airport. Finally I got back in touch with net spend, they said the resort machines would not convert the dollars to pesos. But that is not true because they use the same machines at the gift shop. This caused my personal bank account to process overdraft fees, negative balance and bill not paid. If you can use these cards anywhere in the world then netspend should convert to the countries currency from american dollars.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-03
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. (PA)

With XXXX XXXX XXXX XXXX credit cards, I had requested both a letter of validation and a copy of my original contracts. I never received them. Since much time has passed, I would like to have them both removed from my credit report.
Consumer complaint received 2024-03-28
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I cancelled the loan within the cancellation period of 3 days at CashMax in XXXX XXXX, Texas, paid the loan back and they gave me a lien release but are now refusing to give me my title. They keep saying it hasnt come to them in the mail which is a lie. It doesnt take over a week for the title to come from XXXX which is only an hour away. When I paid the loan, XXXX XXXX said i could get my title the same day, so we drove all the way to the XXXX Texas DMV but were told we had to wait until CashMax got it in the mail. Then XXXX said it would take a week. Its been over 2 weeks now.
Consumer complaint received 2023-05-26
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: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX, XXXX You are in an Violation of The Fair Credit Reporting Act ( account number XXXX & midland credit management XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct vlolation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (FL)

Lendly Loans also known as XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) they have placed incorrect information on my Credit Report. This was an online payday loan and they reported it falsely on my credit report as a MEDICAL! The balance reported to ALL 3 Credit Agencies are all incorrect and completely different. I'm not sure why this Payday Loan Company is reporting false information that is a violation of defamation of character.