davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name and Number : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX has violated my rights. 


15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-04-21
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My phone was compromised by XXXX XXXX XXXX around XXXX of XXXX. He got into my email, my bank accounts ( USAA, XXXX XXXX ) including payment platforms and my cell service accounts. He used my phone and number and other identification to order 5 phones on my XXXX XXXX. He used my XXXX XXXX  and USAA credit card accounts for various activities.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (SC)

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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 instruction 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 2022-04-21
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. (SC)

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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account 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 instruction 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 2022-04-21
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: D&A Services, LLC (FL)

I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with XXXX XXXX XXXX  I am filing this complaint on my own behalf
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I responded to an offer ( copy attached ) from Wyndham Rewards XXXX Card/BarclaysUS by joining XXXX as a new member ( payment confirmation copy attached ). I did not receive the statement credit of {$60.00} as promised so I disputed the {$60.00} balance on my credit card statement ( copy of my dispute letter dated XX/XX/XXXX attached ). The {$60.00} statement credit was posted to my credit card on XX/XX/XXXX. Today I tried to use my XXXX membership to make a purchase in-store, and the manager told me that the credit card company reversed the membership charge, which cancelled my membership.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, 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  have 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 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I JUST SENT A PAYMENT TO THESE THIEVES IN THE AMOUNT OF {$4100.00} ( WHICH IS SUPPOSED TO BE VALID THROUGH XX/XX/22 ) THAT WILL BE PAID ON XX/XX/22 PER THE LETTER FROM XXXX XXXX ( WHO COULD NOT BE BOTHERED TO PROVIDE HER LAST NAME BUT SHE HAS MY LAST NAME AND SO MUCH MORE!!!!! ). I WANT CONFIRMATION THAT THIS AMOUNT FINALLY PAYS OFF MY STUDENT LOAN IN FULL AND THAT I WILL NEVER RECEIVE ANOTHER BILL ( OR ANY OTHER CORRESPONDENCE FROM THEM OTHER THAN TAX INFO ) AND THAT I AM FINALLY DONE WITH THESE THIEVES FOREVER!!!! I WANT THIS NIGHTMARE TO BE OVER FOREVER AND I WILL NEVER HAVE ANOTHER STUDENT LOAN AGAIN!!!!!
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (AZ)

This is re case # XXXX. Ford Motor Credit states that it appears I XXXX XXXX, formerly XXXX XXXX and time I allegedly purchased the car for a 3rd party. FMC has continued to refer to the XXXX as justification to have pursued debt collection. I am requesting all paperwork and documentation FMC has regarding the alleged loan I cosigned for. I have never been able to determine who maintained insurance on the vehicle, who was the registered owner or who made payments prior to the vehicle being wrecked and repossessed. FMC pursued garnishment of wages for a car I never purchased and I assume FMC knows this and decided they would file a lawsuit against me anyway.
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (NY)

I have an old charged-off account ( XXXX XXXX XXXX XXXX XXXX This account is too old to be on my credit profile. On my last dispute to Equifax on XX/XX/2022, Equifax responded and said that the credit account will be removed automictically on XX/XX/2022. I checked my credit profile today XX/XX/2022, and the ( XXXX XXXX XXXX, XXXX ) is still on my report. Charge-off accounts stays on a credit profile for up to 7 years. This account is really affecting my credit score.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cornerstone Holdings, Inc. (AK)

i was contacted by an agent asking about person who doesn't live with me or at my address, when i asked who was calling they refused to give any information. only to have person who doesn't live at my address or use my phone, call back number on caller id. i researched number found out it was Corner Stone Credit services. i called them back and explained to them that said person doesnt live at my address, doesn't use my phone, and told them to put my number XXXX on a DO NOT CALL LIST. that is when the lady got rude and said my number was put down as contact number. i said no my number is listed as an emergency contact not debt contact. and do not use it as such. that is when she got mad and said i am placing you on hold. that is why i am filing complaint as this is not good debt collections from these blood suckers.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I paid my credit card with my business checking account which I am a sole proprietor. I use the card for household items and I rent my house out part time. They closed the card due to making a payment from a business checking account and they blocked me from the online banking so I can not pay online. Then they charge me late fees when I can not get into the account to pay and I can only send it paper checks which I dont know when the arrive and they are charging me more late fees. I have paid on time for 6 years and now they are trying to put me into delinquency.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed transunion is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I have made a purchase back in XX/XX/XXXX and have been paying comenity bank since then every month. 
For the past two years I have paid way more than I was required to, and still comenity bank due to their own mistake every month processed my payment differently or did not record a payment I made. 
I called them and disputed the mess they have created several times. One time they agreed to fix it. 
I am just tired of them and still after two years they want another {$360.00}. 
I need them to refund me all those penalties they have charged me for every month and to correct their reporting to credit Bureaus. 
The damage they have done to my credit is irreparable and I when I requested a copy of all the statements I have had they said they wont provide me with ANY statements as of today XX/XX/XXXX unless I write and request them from XXXX, Ohio.
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been dealing with both Navient and XXXX as they both reflect different balances. Over the course of many months and with little assistance from the ombudsman, I have had little to no success get answers. One institution will say something in total opposition of the other. I am trying to consolidate my privately owned XXXX loans to direct federal consolidation loans but I am unable to do so as the balance reflected are incorrect. I have been on the phone multiple times with both companies today. Additionally, Navient has an option to XXXX allocate where over payments as be made but there system overrides and splits the balance of the overage instead of paying down my smallest balanced loan as requested. Two customer services representatives have said I will have to call after the payment posts to have the payment reallocate. Come to find out, in the settings there is an option on how allocations are handled. Additionally, Navient advised me previously that in order to correct the balance owed I would have to contact my previous lender Sallie Mae whom last owned my loan in XXXX to insure that my balance is correct. Everyone continues to pass the buck and no one has the authority to do anything. I am working to get a direct consolidation as the only way to get a student loan reassessment based on forbearance over use is to have a direct loan.
Consumer complaint received 2022-11-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

on XX/XX/2022, XXXX XXXX XXXX XXXX  debited {$91.00} from my Capital One checking account. I am paying the debt, but I am paying late. I used this account to pay my monthly payment last month, but it was a call-in payment, this is a new checking account that I have had for only a month maybe. This is not the account that I opened the loan with, and I did not tell them to keep my information on file nor did i sign anything stating to that fact! I called the XXXX location XXXX and spoke with the lady who opened my account and who took my payment last month, I informed her that she kept my Capital One card information on file and used it to make a payment fraudulently!! She stated that I told her when the account was opened that she could use that information and I called her a lie at that time because this account was opened XXXX mths ago I did not have the Capital One account at that time. I told her that I would be filing a report with the CFPB and informing my bank that the {$91.00} was debited from my account without my knowledge. I was told to call back XX/XX/2022, as I have to wait until the charge post. I will be calling my bank XXXX thing in the morning. After I told her all this, she stated that she was sorry it must have been a misunderstanding. It was not because I did not give my permission to use my card for the XXXX payment. She caused a payment to my rental company to be returned. I know that it is against the law to store someone information without their permission.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I received a letter from Capitol One stating the account number XXXX shown on my credit report was found fraudulent. Capitol One also stated they sent a request to the following credit bureaus XXXX, XXXX, XXXX, and XXXX to delete the above referenced acount from my credit report. The fraudulent account is currently still on my credit reports.