davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Car Loan opened XXXX account XXXX I have filled several disputes with all three credit reporting agencies and with the consumer company Capital One as well. I have also disputed directly with Capital One on several occasions over the last four years without any changes. I admittedly made exactly two late payments on this account separately one in early XXXX and one in mid XXXX both late payments were expressed thoroughly to Capital One as to why those payments were late and Capital One agreed to forgive both late payments after several conditions requested by Cap One and I have complied with all requests made by Cap One. I agreed to make a lump payment for forgiveness one occasion ( XX/XX/XXXX ), I wrote two statements giving legitimate explanations as to why those payments were late ( XXXX and XXXX ) and I also agreed to pay the car off early for late payment removal ( XX/XX/XXXX ) and Cap One did not follow through on that agreement either. I also paid off both car loans in hopes to further show them that I am a great Cap one customer especially seeing that have I never missed any payments on any other Cap one products. The late payments are not being reported accurately across all three credit bureaus XXXX reports 2 late payment, XXXX reports 3 late payments and XXXX reports 1 late payment. I would like to have this account totally removed from my credit report because of the inaccuracies and because it was paid in full in good standing and Cap One has verified inaccurate payment history information that is not consistent across all three agencies. The most recent disputes were filed in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-04-22
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: Santander Consumer USA Holdings Inc. (TX)

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXX XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PRA is attempting to collect debt not owed. Debt was reported as fraud both in XXXX and XXXX. Previous company, XXXX XXXX, closed accounts on credit bureaus in XXXX. 

Documents proving identity theft of my name, address and social security card to open a credit card with XXXXXXXX XXXX were mailed, certified, along with filed police report to credit bureaus and PRA. 

PRA has violated my rights to receive copies of ALL original signature pages of application for credit card, transactions made on said account, billing statements as well original documents on how PRA acquired the fraudulent account.

PRA has asked for information they already posses and that which I learned from them. This is harassment. They do not need information they already possess. 

This company is close to missing the 60 day deadline to produce all original documents for my files.
Consumer complaint received 2022-04-22
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)

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my XXXX XXXX  i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance
Consumer complaint received 2022-04-22
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. (FL)

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my XXXX XXXX  i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, today, XX/XX/2022, Capital One denied my claim on the basis of : We got your request to withdraw your dispute. But I NEVER requested Capital One to withdraw this claim at all. Capital One is lying and/or misleading and wanted to close/withdraw this claim on their own without my consent/approval to close/withdraw it. My claim number is # XXXX. I need Capital One to re-open and/or continue the claim/dispute process. Thank you.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Maury Cobb, Attorney at Law, LLC (MS)

Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.
Consumer complaint received 2022-04-22
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: 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 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one is providing false and inaccurate information on my credit report. The date, the balance, and all the information on my credit report is wrong. So today XX/XX/XXXX another collection showed up on my credit report with different dates and balance. So now Im showing two collections on my report from the original creditor being capital one. The balance should show XXXX.
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act Account 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
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act Account 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
Consumer complaint received 2022-12-20
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)

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. Equifax, XXXX and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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: NAVY FEDERAL CREDIT UNION (FL)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these Navy Federal credit union Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows Navy Federal credit union Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MA)

I received a loan for XXXX dollars. payments were XXXX until paid off. on the XXXX payment, i called them and they stated i had XXXX payments left and my current balance was XXXX dollars ( XXXX more than my original loan, after paying XXXX off, just XXXX weeks after getting the loan. I was told the interest rates accrue every single day and there is nothing i could do about it. Now i can not stop the charges from hitting my accounts.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I had an amazing health insurance company, XXXX XXXX XXXX XXXX XXXX for the last 11 years, and got a wrong bill from XXXX XXXX  on XX/XX/2020 for XXXX when I called last year to see where this came from mybinsirance told me XXXX insurance was having this problem with a big amount of people in this country. But now I got a credit collection service letter for a debt collector. They are trying to collect a debt I DONT HAVE. AND I DONT OWE this is not fair at all. 
The account number is XXXX.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Law Firm never answers their phone, lawyer committed fraud by removing XXXX XXXX from the debt owed without the creditors permission nor serving me. 

As XXXX XXXX is also responsible as he was a resident. I have emails where XXXX XXXX ADMITS HE WOULD PAY THE AMOUNT IN FULL. 

LAWYER XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX ( friend of LAWYER XXXX XXXX AND XXXX XXXX removed him from any responsibilities. 

PAYMENT HAS BEEN MADE and HAVE NOT UPDATED CREDIT REPORT FOR MONTHS! INTEREST KEEPS ADDING. 

WHEN TRYING TO REACH THEM. THERE IS NO ANSWER.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.
Consumer complaint received 2022-04-22
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: Bread Financial Holdings, Inc. (FL)

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit
Consumer complaint received 2022-04-23
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 XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX has violated my rights. 

XXXX5 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
Consumer complaint received 2022-04-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Bank # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1200.00}