davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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 XXXXights.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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-11
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. (LA)

I, XXXX XXXX XXXX, am a Louisiana Resident and have been impacted by the Louisiana Data Breach, resulting in me being a victim of identity theft. After reviewing my credit report, I noticed several inquiries I have no knowledge of ; please remove these inquiries. I do not have an account with any of these companies. I have attached my FTC report that outlines ( eight inquiries ). I have been monitoring my credit for accuracy. TransUnion must report accurate information, which they need to.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-22
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)

I have disputed these collections several times proving to Transunion this account is fraudulent and did not have my consent. 
I disputed these accounts since XXXX XXXX. 
XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WI)

In accordance with the fair credit reporting act this creditor has continued to violated my rights under 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 an account without my written instructions. Under 15 USC 1666 B A creditor may not treat a payment on a credit card account under open in consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I charged ~ {$660.00} on XX/XX/XXXX using my XXXX  XXXX - XXXX credit card to a XXXX XXXX ( XXXX XXXX ) and had a BankAmerideals cashback offer for 10 % up to maximum of {$65.00}. I have multiple credit cards with Bank of America and chose the XXXX XXXXXXXX card because it was best option for my purchase at the time and I believed it to be covered by the cashback offer. On XX/XX/XXXX - after not seeing the cashback I called Bank of America to ask about the cashback. I was told by the customer service rep my problem and he researched and came back to tell me I was not eligible because the card I had chosen was not eligible due to be being a small business card. I told him this was surprising and that I had carefully read the fine print on the offer and the website where the BankAmerideals are marketed and there was no exclusion of the small business cards. Additionally the portal where the cards are shown does not make any distinction between cards. He told me according to the terms of the cardmember agreement BankAmerideals did not apply to small business cards. I asked him to show me the part of the agreement where BankAmerideals and he said he would look for it and put me on an extended hold- when he came back he said he could not find the provision nor could he tell me where to find the card member agreement. My complaint is that there was apparently nothing in the materials for the BankAmerideals portal or fine print that indicated exclusions of cards and that should be where this kind of information is disclosed - otherwise this is deceptive. Additionally in my case I could have easily chosen a different card if I had known the exclusion. I said to the rep this is deceptive and unfair and I would complain to CFPB. Additionally upon further research I found that when I navigate from the XXXX XXXX to show cashback deals from the XXXX  XXXX page the XXXX offer was available ( now expired ). Further more the FAQs show that business cards are part of the redemption options.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have made payment arrangements with this XXXX  company over a week ago and every single day at exactly XXXX they start harassing me with phone calls from two different phone numbers. Theyve called me up to 6 times in the same XXXX hour and I keep having to XXXX repeat myself when they already have the information in front of themselves. But for some XXXX  reason they cant figure out that I already have payments with them before calling me!!!! They are waking me up!! Ive constantly had to tell them to stop calling me because they already have this information in front of them so why are they harassing me about the same thing when its already been dealt with. 


They have called me up to XXXX in a single hour when Ive already spoken to someone for that day! I have spoken to someone EVERY SINGLE DAY about THE SAME THING when the information was already IN THEIR FACE. And then they act stupid and start stuttering when I tell them to read their own freaking notes. 



This is being done by Capitol One Auto Fianance.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd (CA)

CFPB On XX/XX/XXXX, I tried to transfer {$2000.00} from my XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX  number XXXX ) XXXX  account  to my Wise ( also known as XXXX XXXXXXXX XXXX XXXX, XXXX XXXX number XXXX ) checking account through XXXX. 

Unfortunately, the Wise account information listed XXXX things called Account number. I figured out later that one was for XXXX and XXXX was for XXXX. Since they both were just called Account number, I chose the wrong one. When my transfer didnt show up after a week, I started contacting both banks, each of which told me that there was nothing they could do and that I should contact the other bank. Its been XXXX months. 

XXXX attempted to contact Wise and nothing came of it. XXXX provided me a proof of payment with Dates, Destination routing and account numbers, and a trace number. I sent these to Wise over a month ago. I had attempted a smaller transfer a few days earlier that ended up getting returning. XXXX told me : You can contact Wise and provide them with the destination account number and routing number so they can use the trace number to locate it. You can also mention that you transferred to it on XX/XX/XXXX and it was returned for account frozen. The XX/XX/XXXX amount was sent next and it was delivered successfully. That indicates the account was unfrozen between XX/XX/XXXX and XX/XX/XXXX. 

So XXXX confirmed that the money got transferred successfully to Wises routing number. 

The most recent email from Wise after yet another week or more of delay says : Since the funds are being sent from your XXXX bank, and the recipient details are incorrect, Wise will never receive the funds. Because of this, we can't trace them, nor can we trace incoming payments that would arrive to us otherwise. 

Since I correctly used their routing number, as confirmed by XXXX, it seems unlikely that they were not the ones to receive the funds. This directly contradicts what I was told by XXXX. Nobody can find the money. 

My understanding of the friction and delays in the XXXX system is exactly to allow honest mistakes like this to be reversed.
Consumer complaint received 2023-07-21
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. (DE)

I received a notification from the three credit bureaus that I had a collection account from XXXX XXXX. Account ending in XXXX. This is not my account. I have never been out of the state of Delaware. This company is located in another state across the country. The day they stated I opened the account I have bank statements that show I was not in that area. I submitted proof on multiple occasions to all three credit bureaus ( XXXX, XXXX, and Transunion ) that this was fraudulent. After submitting multiple letters for dispute all 3 times this account was considered validated by the creditor. It is very disappointing and sad to know that three alleged trustworthy bureaus did not apparently investigate or they would have known without a doubt that it was not my debt. I provided bank statements to the bureaus, as well as the cops to prove this was not an account I had opened. This proves the bureaus are not doing their job and are illegally validating consumers debts without investigating.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE
Consumer complaint received 2022-12-13
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: CLGF Holdco 1, LLC (NJ)

THE XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$330.00} CB INDIGO last reported a late payment on XX/XX/2022 for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the account of {$810.00} XXXX XXXX XXXX  last reported a late payment on XX/XX/2022 for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
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. (CA)

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only transunion and nothing has changed and after pulling my report again I still see no change.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (LA)

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : 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 XXXXXX/XX/XXXX I never applied for credit with either of these companies.
Consumer complaint received 2022-12-10
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (SC)

I have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed.

I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXXXXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 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 deleted for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Armor Systems Corporation (IL)

I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service