davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX adhered to my demand of removing capital or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM CAPITAL ONE.
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (OH)

Credit inquires, 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 Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Consumer complaint received 2023-01-05
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. (GA)

The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a rent relief check in the amount of {$22000.00} into my friends account, and the bank put a hold on her account because of it. But the people who wrote the check said and also sent me proof that the check has been funded on XX/XX/XXXX of 2022. The bank has been holding my money since.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (GA)

The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (GA)

I woke up on XX/XX/2020 to an email from XXXX  that I had four new delinquent accounts that just popped up out of no where. These accounts never showed on my report as even a credit pull, just delinquent. So I then did a dispute and today XX/XX/2020 just under the 30 day mark for XXXX, they are saying these accounts have been reported accurately on my report, therefore they are my accounts. Then, I tried reaching out to Midwest Recovery, the reporting collection agency and they couldn't pull up anything by my name or social security number. There are a total of four accounts all from the original creditor " XXXX XXXX  XXXX XXXX '' of which showed up on my business bank account last XXXX-XXXX  as fraud. All totaling around $ 22k. I have worked very hard for an excellent credit rating and if anyone saw my credit they would know that these are not my accounts. If XXXX   did their due diligence they would see that these accounts are bogus and there was no proof that they belonged to me.
Consumer complaint received 2022-12-25
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. (IL)

transunion can you knock off XXXX of these hard inquirys 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  ) XX/XX/XXXX heres XXXX i have no knowledge of and didnt make check into them and delete those that merit it thanks
Consumer complaint received 2022-12-25
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. (IL)

transunion can you knock off 5 of these hard inquirys 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 XXXXXX/XX/XXXX heres XXXX i have no knowledge of and didnt make check into them and delete those that merit it thanks
Consumer complaint received 2020-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MA)

Obtained loan to purchase a used car XX/XX/XXXX for a XXXX XXXX with 101,637 miles on odometer. 

Borrower put {$3800.00} down as deposit and borrowed {$15000.00}. 

Now it's XX/XX/XXXX and the blue book value of the car ( {$10000.00} ) is less than 50 % of the Account Balance ( {$22000.00} ). At this point there is no way to get out from under this predatory loan. 

To add insult to injury, we spent {$4000.00} fixing the car before calling to surrender it ( timing chain tensioner failed, jumped teeth, and the valves hit the piston ). 

Credit Acceptance should not be allowed to make loans like this to vulnerable consumers.
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (AZ)

Debt collector, National Enterprise Systems ( NES ), first contacted me in XX/XX/XXXX regarding a balance I have at XXXX XXXX University ( XXXX ) from XX/XX/XXXX. I stated to NES that the amount owed is wrong because I should have a scholarship applied and it has not been. I told them I would follow up with XXXX. I have sent numerous emails and continue to be told they will get back to me. I have read, verbatim, the letter stating I hould be awarded the scholarship. On multiple occasions, NES has made comments such as " well, you must have failed or dropped the class so you won't get the scholarship. '' I informed them that I passed the class and have submitted the necessary paperwork. I had asked on numerous occasions to speak to a manager and was told that was not possible as they would tell me the same thing. The week of XX/XX/XXXX, NES called once again and finally gave me a manager. I informed the manager, XXXX, once again that the balance needs to be corrected. He stated there are payments made on the account and I should review the documentation they sent me. I stated that I had already reviewed the documentation and have already spoken to them about how the scholarship is not corrected. I told him I would make a good faith payment ( {$1000.00} ) for a portion of the balance and he said by doing so and continuing communication with them, it would not be reported to the credit bureau. I told him I would send him my documentation showing I have been in communication with XXXX. I was driving at the time and was unable to write down an email address and he stated he was not able to email me directly. On XX/XX/XXXX, I was contacted by NES manager, XXXX. We went through the same questions in which I had already answered with other NES agents. She stated I was reported to the credit bureau. I informed her that XXXX said I would not be. She stated she would send a request to have her contact info sent to me the next morning. I asked her why XXXX was unable to do so the week prior. Upon receiving the email, I still do not have a contact address to send my supporting documentation. XXXX also asked for my employer phone number and I told her I would not provide it as she has no business contacting me at work. She stated she must have it to update my profile. At this point, I have been sent to the credit bureau and should not have been. I am looking to have this taken off my credit report as I am actively working on getting this cleared up with XXXX and I was told that it would not be reported because I was actively working on it. If they were still going to report it, they should not have told me otherwise. 
I have attached the email thread between myself and XXXX. I was told 5 times that they would get back to me and never did. I finally called last night and was told that they are unable to do anything and I must clear it through NES. If this is the case, XXXX should have informed me of that when they initially figured it out instead of stringing me along.
Consumer complaint received 2022-12-25
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: Spring Oaks Capital, LLC (CA)

There is an account on one of my consumer credit reports in the name of Spring Oaks Capital LLC, which is supposedly a collection account being inaccurately and illegally reported on my XXXX credit report. I have never had any type of account or ever signed any contract with XXXX XXXX XXXX. I have tried disputing this account with the credit bureau directly and no proper investigation has been conducted. This collection agency has no right to report an account on my credit report as they have no original contract, they do not have my wet-ink signature on any agreement for any type of product of service. This violates the Fair Credit Reporting Act and the FDCPA. They have never responded with any documentation I have requested in my disputes, nor have I ever received any correspondence from Spring Oaks Capital LLC. There are multiple violations in the way they have reported the account along with the fact that this is a fraudulent account unbelonging to me, which they have not dismissed in any matter.
Consumer complaint received 2022-12-25
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. (PA)

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give XXXX written permission to furnish these accounts.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (VA)

I called 3 seperate times trying to close the account. 1st attempt nothing happened all 3 of my accounts remained open. I couple of new transactions went through. 2nd attempt 2 savings accounts were closed 1 checking account remained open was told I'd get a call the next day after pending transaction from 1st attempt completed no phone call was made. Another transaction came put 2 days later and drove account into negative. 3rd phone call was recorded and I told them I was done. Any transactions posted after my second attempt to close the account were not authorized. I went on to say as far as I'm concerned my business with that bank is concluded. They admitted it was their fault on the phone call and as I said I recorded it.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have previously contacted Bloomingdales credit card about a balance that was due to items not being received by me. I was under the impression it was taken off. On XX/XX/XXXX I received a 1099C discharging the debt I called the 800 number several times trying to speak to someone since any IRS form were suppose to have been mailed out before XX/XX/XXXX. On XX/XX/XXXX I received an email from my XXXX, XXXX  and XXXX  stating that this debt was discharged.  Bloomingdales discharged this debt in XXXX and has fraudulently back dated the form to reflect they discharged in XXXX they have sent me this form late and also the amount on this is wrong since the items ordered were never received by me. They were sent to the wrong address. I have disputed this several times. I need them to withdraw this 1099C and wait until XXXX Since this was just discharged XX/XX/XXXX see proof attached. And they need to send the IRS and myself an update form.
Consumer complaint received 2020-03-05
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. (TN)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-12-12
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. (LA)

I sent a letter on XX/XX/2022 asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

My debit card was attacked twice in two months causing a slew of problems with paying my bills. On one particular weekend, a few of my bills came out that I was not prepared for after this cyber attack. PNC ending up charging me 4 over draft fees totaling over 140 $ over the weekend. I promptly paid the money for the bills the following Monday. PNC has not been willing to work with me and as a XXXX with no money. I see this as stealing from the poor. PNC also without hesitation will change the terms and  agreements to your account.
Consumer complaint received 2022-12-25
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 2020-03-05
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: TIDEWATER FINANCE COMPANY, INC. (GA)

XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!!