davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-04-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Management, Inc (SD)

I was sued by a third party debt collector. When the process server served me with notice of the law suit, it was the very first time the debt collector contacted me in any way about the debt. Furthermore, the original party claiming the debt was owed, never contacted me at all about the debt. 

I'm being sued for medical expenses for my daughter that I had no knowledge of for services that I never consented to. None of the parties involved contacted me AT ALL prior to the lawsuit filed by the third party debt collector. I have not been provided enough documentation to substantiate the debt or the services alleged in the lawsuit. I advised the third party debt collector that they had not followed the requirements of the Fair Debt Collection Practices Act and they have ignored me and proceeded with the lawsuit. 

I had no knowledge of the information, because my ex-wife was the individual they dealt with ... nobody contacted me at all until the lawsuit was filed against me. 

After violating my rights under the FDCPA, the third party debt collector went on to file a motion and order for summary judgement against me claiming that I did not answer the lawsuit when I actually did. It was a false affidavit filed with the Court. I was forced to respond to the false allegations and have the oder for default vacated. 

The actions of the third party debt collector in this case, I believe are in violation of law and have caused extreme anxiety and stress. XXXX This is an unfair, deceptive and abusive practice. The third party debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SD I believe this is a pattern and practice for this debt collector to file lawsuits against fathers who were not involved in the medical decisions or care, in order to gain leverage over them in a pending lawsuit.
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NY)

On XXXX, I called TJ MAXX to authorize the opening of my new card. When they mentioned my limit was {$600.00}, I questioned why my credit was lowered. The representative stated on a recorded call, " On XX/XX/2023, the bank made their decision based on your XXXX XXXX credit report. '' I am writing to express my deep shock and profound disappointment regarding an unauthorized credit limit reduction on my TJ Maxx credit card account. Upon opening the account, my approved credit limit was {$1500.00}, a limit I was content with. However, to my utter surprise and dismay, on XX/XX/2023, I discovered that the bank had unilaterally reduced my credit limit to {$600.00} without my consent. 

This reduction was purportedly based on the bank 's inquiry into my XXXX credit report. It is crucial to emphasize that I did not authorize such an inquiry, nor was I informed or consulted about it beforehand. This unilateral action by the bank not only violates the terms of our agreement but also flagrantly infringes upon my civil rights, a violation that I find deeply troubling. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to obtain explicit consent from consumers before accessing their credit reports for any purpose. By conducting an unauthorized inquiry and subsequently using it as a basis for reducing my credit limit, the bank has blatantly disregarded my rights under the FCRA. 

I request immediate action to rectify this matter. Specifically, I urge you to reinstate my original approved credit limit of {$1500.00} and ensure that such unauthorized inquiries are only conducted with proper authorization in the future. 

I am prepared to pursue further action to address this issue and uphold my rights under the law. Therefore, I trust that you will take this matter seriously and respond promptly with a resolution. 

Thank you for your attention to this urgent matter. 

XXXX XXXX XXXX CARD # XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On the XXXX and XXXX of XXXX i was charged a bunch of transactions i did not make or authorize, totaling XXXX XXXX I made a claim with the bank reporting those transactions as fraudulent but they denied the claim saying that i authorized them even though i did not. Here are the transactions and the date they were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ - {$200.00} I did not authorize these transactions. I called to ask for the documents saying why they say i authorized them but they did not send them to me. I tried reopening the claim so they investigate it properly but they did not allow me to. 

The bank is saying that I authorized the transactions because it was made from an account I created a long time ago. 

The account was hacked I DID NOT authorize the transaction. I have filed a police report. They are denying the claim without evidence that it authorized the transactions. I got robbed and the bank is refusing to help me. They are not following the law. 

I attached the police report.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act Truist Bank # 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 an account without my written instructions.
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the USPS and waiting weeks for a resolution. 
I did not send my personal information to begin with!
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (OH)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by Equifax. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 

The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and stress. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by Equifax into the disputed accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.
Consumer complaint received 2023-05-24
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: SANTANDER HOLDINGS USA, INC. (IL)

Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.
Consumer complaint received 2018-04-12
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)

XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (LA)

My interest rate on this loan is over 31 percent According to title 9, title12 of loan, chapter 1 of section 9:35 00 under the rate of interest can not exceed 12 percent per annum. Pursuant section 9:35 01, any contract agreed between the parties for the payment of usurious interest will result in forfeiture of the entire interested so contacted. Louisiana usury law
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I was compromised in 2019, I had several inquiries n my credit reports. I had accounts opened up fraudulently opened up in my name. I had been part of the XXXX breach, had a few cards opened in my name I had inquiries and a bank acct open. I also have since still been getting inquiries. During pandemic, I lost my public storage to an auction, in which I kept my personal docs. The individual who obtained my locker contents possibly had access to my ssn dob tax info etc. A Bethpage Credit Union bank account was opened I have recent info by XXXX as well a XXXX that a Bethpage is still reporting on my file. I dont know much of the situation ; however, I do know that an account was fraudulently opened in my name. The expenses are being reported against me illegally also without my knowledge. This is inaccurate information. Upon inquiring with XXXX XXXX XXXX and with my extended XXXX report and my consumer report this needs to be addressed, removed as it has caused banks to look at me as delinquent. I have spoken to XXXX from Bethpage in reference to the fraud affidavit. 

I have just discovered as of recently that I had fraudulent reporting information on my XXXX consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted XXXX to dispute the inaccurate information. 
I contacted XXXX, followed their dispute process and according to the FCRA I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to XXXX. 

XXXX XXXX continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

XXXX XXXX are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 I filed a dispute against XXXX XXXX  XXXX  for not properly fixing breaks on my car with Capital One whom I have a checking account with. Capital one never responded to this dispute with a provisional credit or the outcome of the claim. On XXXX XXXX Capital One went inside of my account and debited XXXX. I called capital one on XX/XX/2023 at XXXX because I was confused as to why money was taken when a provisional credit was never given and they pretty much paid XXXX {$650.00} for messing up my brakes in which I had already paid them {$320.00} for the brakes in which I was already disputing. Capital one illegally took funds from my account and when speaking with a representative, they acknowledged that it was not a provisional credit given and they arent sure why the money was taking. The representative said that they would reach out to their back office as it was nothing more they could do. Capital one made an error and took money that I needed and are making me wait to receive it back. This is illegal and not a minor error and I need my money back asap because I have bills and its impossible for you take make an error this bad. Capital one needs to be help financially liable for this mistake
Consumer complaint received 2023-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC. (GA)

On XX/XX/XXXX, I took a look at my credit report and I saw some things that I didnt know of. I filed a police report. in XXXX I had my personal belongings stolen from me then one day Money was taken out of my checking account. I filed a report with my bank and I got it changed. Money was taken out my bank account every two weeks and I didnt know of it.
Consumer complaint received 2024-04-03
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: EQUIFAX, 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-03
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: CL Holdings LLC (MI)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Jefferson Capital Systems {$700.00} XXXX XXXX : Police Report/identity Theft Report, FCRA Sections 605B, 615 ( 1 ). 623 ( a ) ( 6 )
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: Lennar Financial Services, LLC (GA)

Lennar Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 the above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON SAM DAY XX/XX/2020. 

XXXX RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****