davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (NJ)

Hello my name is XXXX XXXX and I have been a victim of identity theft! 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!

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 2022-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I am a creditor in the XXXX  bankruptcy. I have notified naviant and XXXX multiple times that I will not be making payments until there is a resolution. They continue to harrass me and make up stuff, and attempt to intimidate me, and even hang up on me when I return their unlawful and harrassing calls.
Consumer complaint received 2023-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (CA)

HOLLOWAY CREDIT SOLUTIONS, LLC XXXX XXXX XXXX XXXX, AL XXXX This company is trying collect a debt that I do not owe. The have not provided me with a debt validation letter. They can not prove this debt belongs to me. THEY ARE NOT LICENSED TO COLLECT IN MY State of California.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (CT)

hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were XXXX inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went XXXX XXXX dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Monday XX/XX/XXXX I accidentally transferred XXXX} from my checking account at Bank of America to my credit card ( I meant to send it to my savings account ). The credit card was recently paid down to a balance of {$0.00}, so when this payment went through, my credit card balance was - {$2000.00}. Upon noticing, I immediately contacted BoA and attempted a stop payment on XX/XX/XXXX. They were unable to perform this action and the payment cleared on XXXX XXXX. I have been on the phone with them every day since and got a request approved to expedite the refund on Friday XX/XX/XXXX. I was informed the money would be refunded to my checking account in 2 business days, which was yesterday, XX/XX/XXXX. 

Yesterday, upon checking my account and finding the money had not been refunded, I again called the XXXX services dept of the BoA Credit card division and spoke with the same supervisor who approved the expedited refund last Friday. She informed me that the refund would be processed last night and hit my account this morning. They assured me of this. 

Today, I checked my account, and there was still no XXXXXXXX credit to my checking account. At this point I am completely livid. A simple mistake of pressing the wrong button in Bank of America 's banking app has resulted in hours of wasted effort on my part and the headache of having a balance of XXXX in my checking account for what will be at least 2 weeks. Additionally, my only form of money right now, my credit card, is constantly being locked due to " suspected fraudulent activity '' and restricting me from making any kinds of purchases. I have had bills flagged for late payment notice, and am in danger of having my cable internet service shut off due to inability to access these funds. 

Supervisor in the comsumer credit card services dept XXXX XXXX is the last person I spoke to and I informed her of my intent to file this claim.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These following events are backed by tracking numbers that trace back to TransUnion since XXXX XXXX. In the event TransUnion disagrees with my information we can use the certified mail tracker to resolve this with factual evidence. 

On XX/XX/2020 I reached out to your company in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter via USPS first class mail with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. Other credit bureaus have deleted these accounts weeks ago. 

On XX/XX/2020 I decided to reach back out to your institution because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear anything back from your company. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. I still did not receive a response. I dont get are we playing games? I dont have time for TransUnions stall tactics. 

Nevertheless, on XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 I sent another letter via USPS certified mail with tracking number XXXX. I did not get a response yet. Every letter that has gone out has been asking for the same information to be removed and I have yet to get any closure. 


On XXXX XXXX I reached out once again via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out to TransUnion via USPS first class mail with tracking number XXXX. 

On XX/XX/2020 I received a letter from TransUnion ( which I will include a copy of ) that stated they have not done anything yet because they need an additional 15 business days. TransUnion is claiming my first attempt of contact was XXXX XXXX which is highly incorrect. Based on the tracking information and my original letter sent out on XXXX XXXX this dispute should have been resolved within 30 days of the original letter date ( XX/XX/2020 ). I will not allow an additional 15 days because that is against the FCRA. By providing factual evidence to back my claim you are obligated to delete this nonsense off my report immediately. 

On XXXX XXXX i reached out again with tracking number XXXX On XX/XX/XXXX i reach out again via USPS : XXXX On XX/XX/XXXX i reached out again via USPS : XXXX On XXXX XXXX i reached out via USPS : XXXX On XXXX XXXX i reached out via USPS:XXXX
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Called capital one to address my concerns about the interest they are charging me with. I cant pay the amount that they are asking for. I explained my finances to them and asked them to move my payment date. They refused to make the changes and now they add so much late fees and interest that XXXX cant catch up. XXXX a XXXX XXXX XXXX woman struggling to make ends meet. If they could just lower my payment and interest I will make a payment. But right now Im not financially capable of making a XXXX dollar payment.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (NY)

I'm contacting yout agency because, after several attempts with contacting my bank XXXX XXXX XXXX ; concerning a hold on my bank account from a hotel for thirty days. I checked out of the hotel last month. The hold is still on my account. The bank will not release the hold. I contacted the hotel. They informed me they contacted merchant services to release the hold of {$170.00} on XX/XX/. However, my bank refused to release the hold on my account. 

Moreover, their leadership contact information isn't available. The complaint process for these types of events is not clear. Finally, their customer reps are below satisfactory. 

Please advise.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (AZ)

This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (FL)

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 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 2022-12-29
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. (FL)

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 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following companies did not have my permission to run my credit. 

US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXX XXXX XXXX XXXX. I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally disputing the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. I kindly request that you update my account information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history. I have called the bank and they agreed to update their records and remove the late payments from the accounts. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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. The following accounts 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 XXXXXXXX
Consumer complaint received 2022-12-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I had XXXX late payment during the XXXX  because my XXXX XXXX webiste was down and their call center did not have enough people to answer the phones. All of my other payments have been on time. Despite this late payment happening during the height of the XXXX Experian refuses to remove the negative mark from my credit report and it has hurt my credit. 

Additionally I XXXX I canceled my paid membership with Experian and switched to their free version they dropped my XXXX XXXX by XXXX points with no explanation. I had no late payments no high balances on my credit cards, and no new inquiries into loans, credit cards or anything that could hurt my credit report. They only thing that changed for my credit was that I stopped using the paid memebership on Experian and they dropped my score XXXX points.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

First time I found this company was trying to collect on this debt it was on my credit report. Never received a phone call or bill because this is not my account. This is a fraudulent account. Set up without my knowledge or permission. Advised XXXX the customer service rep of this company Franklin collections. She was rude would not listen she only wanted to talk would not me explain my side of the story. Told me I need to file a police report and press charge. I dont have any info about the account. All I was given was the address that they have added to my credit report. I have been at my address over 30 years! XXXX XXXX XXXX XXXX XXXX Ca. She talked to me like a child! Telling me to listen! Very rude and condescending. When I asked her to send me the paperwork to fill out she disconnected the call. Very unprofessional and rude. Will not be calling back, obviously will not be able to resolve the matter.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-29
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. (TX)

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 ACCT XXXX, XXXX  XXXX XXXX  XXXX  ACCT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX and 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.