davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

You know with the inappropriate language XXXX that the majority of the people I do business with really over-react to what the federal government put into writing, it really is no wonder why I do not get more DEATH THREATS THAN I already receive : I did not agree to the account maintenance fee of {$10.00} nor was there any mention of when an annual maintenance fee of {$39.00}, other than your exorbitant {$120.00} to open the account in which I agreed to in order to get the credit from you in the first place Normally I would contact you first however with a Federally protected non-dangerous with COURT ORDERS to back-up these non-dangerous SOCIAL SECURITY ORGANIC MENTAL HEALTH DISORDERS including XXXX and XXXX Syndrome, among hundreds of other impairment coded non-dangerous XXXX. 


However after dealing with several of you normal people that can not or will not accept that the AMERICANS WITH DISABILITIES ACT ( ADA ) is a Federal Law, and purposely go out of their way to attack me, by causing physical harm to myself by your and others like you actions, it is with a not SO HEAVY HEART, more precautionary on my part, that I am making this CFPB report, prior to sending this to FORTIVA. 

See ( HA, HA, HA ), as I still have all the medical documentation to state that I am an XXXX XXXX XXXX, LEGALLY XXXX, IN A WHEELCHAIR AFTER XXXX DUE TO THE XXXX ( NO XXXXXXXX XXXX OR XXXX ), the non-dangerous XXXX XXXX XXXX language XXXX, being OVER XXXX XXXX XXXX, HAVING KLINEFELTERS SYNDROME which automatically puts me in that DOJ XXXX XXXX XXXX IDENTITY PROBLEMS, WHICH MAKE MYSELF PART OF 5 distinct groups, which allows myself to contact the DOJ with this case number from the CFPB. 

Then after those XXXX onto the XXXX XXXX BANKING XXXX IN TEXAS, which oversees the RICO ACT, what you did not know or care that in XXXX that PRESIDENT JIMMY CARTER, RATIFIED THE WIRE TRANSFER ACT OF XXXX, which gave the DOJ & the FBI the power to go after criminal enterprises, like the XXXX, OR THE XXXX, or maybe even your firm. Again, what, you did not know that even with a VISA/MASTERCARD LOGO on them, that ALL BANK CARDS fall under the WIRE TRANSFER ACT OF XXXX, and since I made all of my payments with my bank, XXXX XXXXXXXX XXXX THE WIRE TRANSFER ACT OF XXXX, the Banking commission tells you when to JUMP. 

Then onto to the FTC for consumer FRAUD. Overkill you SAY, well as I stated earlier, I have had the DISTINCT PLEASURE OF DEALING WITH so many of YOU normal people, NOT, that make up the rules as you go along. 

WHAT I WANT IS NO CUTE NEW CHARGES going forward, plus the removal of the following fees : ACCOUNT MAINTENANCE FEE XX/XX/XXXX {$10.00} ANNUAL FEE XX/XX/XXXX {$39.00} Since there was no mention of it anywhere prior to you committing the alleged fraud against myself, and the HATE CRIMES AGAINST MYSELF. 

No potentiality, on that point, as the DOJ does NOT come to me and say XXXX do we have your permission to indict anyone or company.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting by TransUnion and XXXX Dear XXXX, I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), a consumer report should not include transactions between the consumer and the person making the report. However, these agencies have included accounts that involve such transactions in my report without proper investigation, violating my rights. 

The accounts I am disputing, along with their account numbers, are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX I have contacted TransUnion and XXXX directly to request an investigation into the accuracy of these accounts, but their responses have been unsatisfactory. They have failed to provide conclusive evidence supporting the inclusion of these accounts in my report. 

This inaccurate reporting has harmed my creditworthiness and financial well-being, impacting my ability to obtain credit and secure favorable loan terms. I may even face denial of housing opportunities as a result. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervenes in this matter, ensuring that TransUnion and XXXX promptly rectify the situation. I urge the CFPB to conduct a thorough investigation, enforce penalties, and implement corrective measures to protect consumers like myself. 

Enclosed with this complaint are relevant documentation, including my consumer report, correspondence with TransUnion and XXXX, and any supporting evidence. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please contact me if any additional information is required. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Previously submitted a dispute of late payments from XXXX XXXX and XXXX XXXX along with a dispute of alleged account with XXXX. 

The dispute were submitted to all three major reporting agencies andno response was received from any of the agencies. The disregarding of the disputes automatically has grounds for the removal of errors that has been failed to validate within the allotted time.
Consumer complaint received 2023-07-21
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be updated. The XXXX Credit Bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have several unauthorised enquiries all from Capital One, they were contacted and they are fraudulent enquiries I need to be disputed and removed. 

Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX Date XX/XX/XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a credit card from Capital One where I have never gave my authorization to open accounts. I called them immediately and cancelled the account, but result of closing account, it'll affect my credit record negatively. They have my personal information and I can't verify that they erase my information. ( I told them to delete all my information ) I also asked them to report their fraud department to investigate why and how they send me an unauthorized card. Hopefully Capital One does not sending unauthorized card randomly to capture unaware consumers. I just wanted to report that this kind of fraud could be possible and may need to investigate.
Consumer complaint received 2021-01-13
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. (CA)

The credit bureau transunion and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I am writing this complaint bacause I have been charged extremely high interest all of a sudden on the expiration of an 18 months promo. This is unheard of to me and I was not informed of any such condition by the sales rep at XXXXXXXX XXXXr upfront when I signed up for a credit card. It was presented to me as a 18 months promo with no interest. Given the misleading info I was given, it is my request to have COMENITY waive off the huge ridiculous amount of interest charge {$2400.00}. I have already called customer service XX/XX/23 and paid off in full the promotional balance of {$2800.00} that I actually owed. Please waive off unjust interest charges at your earliest convenience, There is no way I can pay that high all of a sudden interest amount of {$2400.00} when it was not informed to me when I signed up with Comenity Acct number ends in XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

On XXXX XXXX I received a notification from XXXX XXXX regarding an account with Southwest Credit System. I do not know this company and have NEVER done business with them. THIS IS FRAUD, I disputed this error on XXXX XXXX and it was immediately removed after this company could not produce a contract, deposit statement or any documentary evidence between us including my wet signature. This is a notice to cease and desist any further communications regarding this account immediately. This includes but is not limited to telephone calls, emails, social media or any Consumer Reporting Agency. Any further contact by your Agency or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be filed commenced against you. Thank you for your cooperation sincerely, XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (TN)

Statement closing date XX/XX/2022 my Personal computer did not match the credit card account summary truist sent in the mail. Account activity does not match, account number does match and transactions do not match. I printed account activity from my credit card statements and compared them to the account activity that truist sent me in the mail, account activity does match the dates. The issue goes all the way up to XX/XX/2022.
Consumer complaint received 2023-07-21
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. (MD)

My name is 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 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PORTFOLLIO RECOVERY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
XXXX XXXX XXXX ACCOUNT # XXXX TOTALLING {$860.00} XXXX XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO XXXX XXXX XXXX. I AM NOW SENDING IT TO PORT FOLLIO RECOVERY. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX
Consumer complaint received 2023-02-03
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)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) I am requesting that these accounts be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation.

2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Harvest Associates inc the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (OR)

I am writing to dispute the information that was reported to XXXX by your institution, U.S. BANK CORPORATION. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in XXXX XXXX XXXX ( a ). 

According to the XXXX XXXX ( XXXX ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. 

I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for U.S. BANK CORPORATION to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). 

I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. 

If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. 

Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers.

Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information.

I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter.

Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.