davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: CLGF Holdco 1, LLC (CA)

On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/2023 and again on XX/XX/2023 these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I contacted USAA about how my statement has two separate interests rates. One for cash advance and one on regular interest. The Interest for the cash advance will stop once the full payment on the account is made. So even if I pay back the amount I took out from the cash advance I will still be charged until I pay my whole balance. The reason they do this is because " The company is not allocated that way, so we can not separate where the money go. '' Quote From the Member of resolution team. The fact that it is the bank who sets up the fees, amounts as well as where the money goes is concerning sense this bank that is suppose to be supporting Troops or " American Soldiers. '' This seems like a way that would benefit the Bank more than the soldiers. Sense I didn't have a XXXX balance even after a year I was still being charged interest, but was paying.
Consumer complaint received 2023-05-30
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: CREDIT ACCEPTANCE CORPORATION (NE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy.

15 U.S.C 1681 Section 602 A. Section 2 : it also states that 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 the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!
Consumer complaint received 2022-11-23
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. (AR)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-30
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: CLGF Holdco 1, LLC (IL)

My identity was fraudulently used to apply for several credit cards on XX/XX/XXXX, none of which have been opened as of XX/XX/XXXX. When I noticed this on XX/XX/XXXX, I reached out to each of the credit card providers to get the application rejected and the inquiry removed from the bureaus. Every provided except for Genesis Financial Solutions was able to handle this request with no difficulty. Genesis has been unable to locate the application, and I have been passed back and forth between different departments, none of which was able to address the issue. Additionally, I was provided incorrect information several times about how to dispute fraudulent applications. I believe the issue is that they are only able to query applications based on a combination of DOB, last 4 of SSN, and first/last name. My guess is that the fraudster did not have all of those pieces of information. If they could query their application server based on SSN alone, they would be able to find it.
Consumer complaint received 2024-03-29
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)

I do not agree with the account listed below. After doing an investigation, information on this account is not accurate and still reporting inaccurate information on my credit report. 
These inaccuracies pertaining to XXXX XXXX XXXX with the account # XXXX are very detrimental to my credit score. I would like this item to be re-investigated immediately According to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I can request the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation is completed. Please see attach files for inconsistency and inaccurate information, and thank you for your time.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NC)

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference number,XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with XXXX, XXXX and experian, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX and XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX . Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXXthis is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I sent a wire payment to what I thought was a legitimate property manager / owner to secure an apartment in XXXX DC. I became suspisious after sending the XXXX $ and IMMEDIATELY contacted Citibank. They barely seemed concerned and took some information over the phone. I called again noting that a dispute had not appeared in my banking profile against this transaction. I was assured that Citi was investigating it and that I would be recieving a letter asking for further evidence ( of which i had plenty, including the name, phone number, address, routing and banking account info, email, and proof that a specific person had defrauded me and had, indeed recieved the money ). I have a police report as well. I just recieved a letter from Citi stating that the transfer was made from my account and that it was legitimate ( not fraudulent ). I literally had all of the evidence they needed to investigate and likely prosecute the scammer. THEY DID NOTHING. They never contacted XXXX XXXX to verify the transfer. They did not look into the IP address, or any further information they could have, to help me. They simply told me it was legitimate- a transaction that I repeatedly reported was fraudulent. I filed a complaint with the FBI and I plan to file every grievance against this bank that is available to me. I have been with this bank ( credit cards included ) since 2005. I had a mortgage through them as well. They had no financial liablility and ; therefore, had no impetus to protect me as their banking customer. This is abhorrent. I had all of the information they would have needed to investigate and substantiate what I had reported. And to get my money back! They simply didn't care and basically told me it was my problem.
Consumer complaint received 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I write in response to a fraudulent Capital One account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Capital One card was adversely impacting my credit. I immediately called Capital One to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Capital One account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Capital One comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

I have been contacting Experian for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Consumer complaint received 2023-06-17
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. (GA)

XXXX XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 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 I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (KY)

I applied for a line of credit with Fortiva through XXXX when a XXXX salesperson salesperson came to my home and completed the application for me. XXXX handled my payments originally, paying using a card I provided when I signed up. My card was stolen, and wgen i updated ymy card with vivint, they did not continue making payments to Fortiva on my behalf. I tried on at least 4 occasions to sign up for Fortiva 's online process, providing the last 4 numbers of my social, my last name, and my borthdate. On no occasions could I complete the registration or payment process online because it came back as account not found. However, the account is available when I call to make a payment, which I did in XX/XX/2023 to provide payment and a card for ongoing payments. However, I just received a notification that my account is past due despite authorizing monthly automatic payments in XX/XX/2023. 

I believe Fortiva is deliberately keeping consumers from accessing online payments in order to charge interest for missed payments. The offer of online payments is in all communications the company makes, both written and electronic, and it is deliberately misleading.
Consumer complaint received 2023-05-30
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI (TX)

A student loan through the XXXX XXXX XXXX XXXX Loan Type Acceleration Date Payoff XXXX Assigned Collection Agency Agency Phone Number XXXX XX/XX/2023 {$5200.00} General Revenue Corp ( GRC ) XXXX Total Payoff Due {$5200.00} Is a federal student loan. 

I have told them not to call me anymore so they have called my brother without my consent.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (GA)

On XX/XX/23 I spoke with a XXXXXXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and Experian credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.
Consumer complaint received 2022-11-28
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 (TX)

I got mails from XXXX XXXX XXXX on XX/XX/2022 congratulating new account with credit included which I didn't apply for. 

I called XXXX that it was a fraud so that I requested to close the account permanently and not to report to credit bureau. 

I'm planning to send a certified mail as well for this matter to XXXX.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Ma'am, I mailed in a Multiple Inquiry Removal Letter on XXXX 2017 by certified mail in order to dispute information in regards to XXXX hard inquiries that were being reported on my TransUnion credit report. They received the letter at XXXX on XXXX 2017 and they completed the request on XXXX, 2017 ( 2 days ). 

The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a record of companies that obtained your credit information '' etc .... " If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. My wife and I plan to purchasing a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
I have included ALL supporting documentation.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: DISCOVER BANK (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.