davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (AL)

I bought a XXXX XXXX from XXXX  in XXXX XXXXXXXX al in XX/XX/XXXX. I financed it through regional acceptance. I had the car 1 month and was in an accident XX/XX/XXXX. I was not at fault per the police report. The at fault partys insurance XXXX paid XXXX check number XXXX and my gap insurance paid XXXX something which left a remaining balance of XXXX dollars. The remaining balance was owed by the warranty dept at XXXX. Fast forward to XXXX and I have my credit ran as Im trying to buy my first home and low and behold a collection account from regional acceptance for XXXX dollars. After several phone calls to regional acceptance I tried to explain that the remaining balance was owed by XXXX per my insurance company and offered to provide proof. Regional acceptance stated Im liable for the remaining balance until they receive a check and that the collection account will remain on my credit report for 7 years. XXXX  in ft XXXX was very diligent in righting their wrong. XXXX XXXX worked very quickly to resolve this issue. They sent a check for XXXX to regional via XXXX  check number # XXXX. Ive called regional acceptance several times to see if they have updated my account so I can have this removed from my credit since this is not my debt. I called and they forward me to the collections dept. when Im forwarded to collections Im hung up on. Ive called and left voicemails for a phone call back. No call was returned. I just want my account in good standing and have Regional acceptance remove the collection debt from my credit report since it was not my debt to begin with and shows it was paid as agreed.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

I was contacted by SOUTH WEST RECOVERY SERVICES about an alleged debt they where try to collect on which I never signed any contracts with them please provide me the documentary of Evidence 15 U.S.C 44 with my name in wet ink and SOUTH WEST RECOVERY SERVICES REGISTERED AGENT Names on the contract as well South West Recovery Services is also in violation of failure to communicate that a disputed debt is disputed 15 U.S.C 1692E ( 8 ) I told A SOUTH WEST RECOVERY SERVICES representative I was aware of any alleged over the phone and they still listed on my credit report which is also identity theft I never gave them any written consent to put anything on my consumer report
Consumer complaint received 2022-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

This evening I was called by a navy federal number and they took XXXX dollars from my accounts. After talking on the phone with navy federal I was told that they will submit a fraud claim but it isnt likely that I would receive any money back. I did not authorize these transactions. I was told I needed to wait until the payments posted before I could submit a claim on XXXX of the money taken from my family.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payments that have been reported on my credit file. Upon reviewing my credit report, I noticed that there are entries indicating late payments on XXXX  XXXX XXXX for the months of XXXX and XX/XX/year>. I would like to request an investigation into these entries as I believe them to be inaccurate.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Ive sent all 3 beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.
Consumer complaint received 2022-02-01
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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. (TX)

Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with XXXX ( XXXX ) XXXX. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per XXXX XXXX asking for verification of debt and also how did all XXXX beaus come with such information being reported on my account in regards to XXXX miss payments to a XXXX account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX is telling me that Capital One Bank USA did a hard inquiry on my credit score. Date of inquiry says XX/XX/2024. I have not applied to any sort of credit or loan application with capital one. I am worried that someone has stolen my identity and opened a credit card in my name.
Consumer complaint received 2023-10-19
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. (LA)

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. 
XX/XX/5178XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I looked on my credit report after I called CREDENCE RM to dispute any knowledge of this alleged debt and it is was on on my credit report which is a violation of 15 u.s.c 1692e ( 8 ) the failure to communicate that a disputed debt is disputed I also have signed a contract with them which is also a violation of 15 u.s.c 1692e ( 8 ) the false representation the use of any business company, or organization name other than the true name of the debt collector 's business, company, or organization.
Consumer complaint received 2022-02-01
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I called the National credit adjuster on XX/XX/XXXX, spoke with a rep, gave a statement, and sent an XXXX identity theft report via the email specified in the call. On XX/XX/XXXX, I visited the National Credit adjuster website, filed a complaint, and provided a report. On XX/XX/XXXX, I filed a dispute with XXXX and provided a copy of the identity theft report. On XX/XX/XXXX, I contacted the CFPB. In XXXX XXXX 's response, he has advised doing the same things I have done multiple times with no response. Also, XXXX XXXX failed to mention that I filed an identity theft complaint with XXXX when the account belonged to them, and they removed the negative item and closed the account. The negative item then reappeared when NCA purchased it from XXXX. XXXX XXXX is asking me to do what I have done from the fraudulent account was brought to my attention.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: I.C. System, Inc. (TX)

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

I obtained a private student loan through XXXX XXXX several years ago, this account was transferred to another lender in XXXX. 
WELTMAN WEINBERG REIS purchased the debt, re-aged this account by updating the " date of last activity '' to reflect the date of XX/XX/XXXX. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail. 
I am asking for an immediate investigation and to have this account deleted from my credit reports.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.
Consumer complaint received 2022-02-01
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. (OK)

Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (OK)

Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NV)

Deliberately Withhold my Consumer information, Dear/Sar/Madam, I have had attempted multiple times to get my consumer information from kia motors through phone , email and through the account portal that kia motors failed to provide me the information what I am looking for as a way deliberately withhold or conceal my consumers information. 
1.Freezed my account/rejected my payment 2.My email, mail, online, phone requests to get get my documents got rejected. 
I again request kia motors to forward me the following consumer informations to my email address associated with my account if possible ( XXXX ), otherwise to mail me to my mailing address " XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX '' 1.My Online kia motors finance information and updates that I did including if there is phone number change, address change, alert chage and consent type. 
2.All billing statements that I did 3.My loan agreement that I did with you.

4.Notices that you sent to my address in each step of your collateral seizure/repossession ( It can not be called repo in Nevada what you did . ) 5.if possible, limited access permission to my online account/just to revise my documents. 

Best Regards
Consumer complaint received 2016-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help!
Consumer complaint received 2022-02-01
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. (OK)

Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Keystone Credit Collections Inc. (PA)

I filed my XXXX local income tax return late on XX/XX/XXXX online at keystonecollects.com. I am due a refund of {$2700.00}. I emailed customer service soon after about when my refund check would be direct deposited into my account as thats the service I chose on the return, and I was told due to them being very busy I would have to wait. Soon after the asked me to fax XXXX and last pay stub of XXXX as supporting documents which I did, and I even got documentation they were reviewing my return now in early XXXX. I since have emailed them, and called to check on status plenty of times. I get no response by email. Over the phone Im told the person that would handle my refund deposit wont answer the phone, but my check should be due they tell me. This is my money that I need deposited into my account ASAP!
Consumer complaint received 2022-10-14
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.
Consumer complaint received 2024-03-12
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. (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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX/DOFED : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2021 I added an authorized user to my account. In XX/XX/2021, I removed the authorized user. I asked Captial One to stop using the closed Capital One credit card to report positive on the former authorized user. Now, I am getting credit card offers in the authorized user 's name because of my credit card. I asked that they stop reporting my credit card usage to the former authorized user. They have not. Now I am concerned with privacy issues because my positive credit is still being reported to the former authorized user credit report.