davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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)

n accordance with the Fair Credit Reporting act XXXX 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 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Douglas L. Brooks, PC (GA)

XXXX XXXX XXXX. 
I purchased a car from a small car dealership off XXXX XXXX in XXXX XXXX in XX/XX/2015. The company went out of business four years ago, I was still taking payments to the manager. He did not share with me that the company had folded, and he was still taking my payments from me. I found out that the loan was sold to another company. They repossessed the car stating that I never made payments. The car loan is not on my credit because the old company wrote the loan off and it was removed from my credit. The new company stated that they purchased the loan, and they stated that they served a letter to my mothers old address stating that I am still responsible for this loan, for a car that I no longer have. Clerical billing errors were made, payment mismanagement, and the companys record-keeping of customer files was unkempt. 
I would have responded to them promptly If I would have received a notification to dispute these claims I would have provided all the money orders that I gave the dealership for payments. I cleaned all my files since the account was removed from my credit because the debt was removed. I am requesting that the errors be corrected and that any charges be removed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-09
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. (NJ)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

Three fraudulent charges of {$780.00} each were made for digital purchases from Best Buy and put on my Citibank Visa credit card. I did not make these purchases! I have been working with many phone calls and letters to both Best Buy and Citibank about these purchases that were made in XX/XX/XXXX and I am getting no help from either company. I have paid the credit card for the purchases because they said they can not get a refund from Best Buy. Best Buy has stated that because they were gift cards purchased digitally and already been used that they could not refund my credit card the money. It is so obvious that these are fraudulent when you look at the information they sent out. My disputes were filed with both Best Buy and Citibank in XX/XX/XXXX. During all this time, Citibank credited my account and then reversed, therefore debiting my account, on three different occasions. The case ID number with Best Buy is XXXX. I have never in my life been sent from one company to the other, both saying not their problem! Now I am asking for your help. I have a second outstanding complaint and dispute with Citibank and Best Buy which involves a debit and a credit. Best Buy tried to credit a purchase amount to clear it out but they shorted me by {$100.00}. I have not been able to get this handled either and have also paid Citibank for this amount! 
Thanks XXXX XXXX
Consumer complaint received 2018-07-16
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. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXXXXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2022-12-17
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank USA NA, clarify that you complied with federal laws and provided me, XXXX XXXX, obligor, the appropriate forms according to 15 U.S. Code 1635 ( a ) - Right of rescission as to certain transactions which states The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Show me proof that you complied with the law within documentation. Read 15 U.S. Code 1635 ( c ) if you need more clarity. Capital One Bank you are required to do so by Federal law, now prove you have complied with the law. Thanks and best regards.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX  violated my rights and never gave me no opportunity to dispute. On XX/XX/2021. I received an email from national credit audit by collection agent called XXXX XXXX. A notice to pay a debt was issued and notice to dispute was not issued which is a violation of my FCRA as a Debt collectors must send you a written validation notice that states how much money you owe, the name of the creditor and how to proceed if you want to dispute the debt.

Months later I found out I have a collection on my credit report without giving me the opportunity to dispute. I tried reaching out to XXXX  via CFPB but was unsuccessful. This is a clear violation of my rights and this account MUST be deleted as the amount is invalid. It was stated I owe {$9600.00} but experian is reporting {$4800.00} or there about which deemed this account as false reporting and violation of consumer rights.

It was reported in three major bureaus and XXXX, XXXX has deleted the account for violations of my rights and experian seem to not doing appropriate investigation into major cases. Investigate this as this has been proving to be violation by other credit bureaus and experian wouldnt be an exception as they all abide by FCRA law! 
I have already filled a fraud report with FTC
Consumer complaint received 2022-12-17
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. (WI)

I was restricted via software from providing additional information regarding the dispute of XXXX relating to being placed into collections unlawfully without notice written, telephone, or otherwise, to collect a debt. Experian declined to request more information and is still including this in my credit report, when it is no longer present in XXXX.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent XXXX XXXX  a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The inaccuracies in these late payment entries are negatively impacting my ability to obtain the necessary credit, as they are substantially reducing my credit score. Professionals whom I consulted have confirmed the existence of legal safeguards designed to prevent the dissemination of erroneous credit information.
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  account number # capital one has violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OR)

I still have not received my money from CitiBank. They have no right to keep my money after closing account. In response to Citi Bank 's promotional offer, I opened a checking account online on XX/XX/2022. During the application process, Citi Bank prompted me to fund the account with New-to-Citibank funds to qualify for one of the New to Citi Checking Cash Bonus Offer. To qualify for the {$700.00} cash bonus, and through an ACH transfer, I funded my new Citi checking account with the required deposit amount of {$50000.00}. The money was transferred within less than 24 hours from my XXXX XXXX account. A day later, on XX/XX/2022, I was locked out of my Citi Bank online access/mobile application. After contacting Citi 's customer service, I was told the new checking account will be closed and a check for the {$50000.00} will be issued within 60 days. Citi Bank promotional offer requires new account to keep the deposit amount for 60 days to qualify for the cash bonus but now that the new account is closed, Citi will keep the deposit of {$50000.00} for 60 days but without me receiving the cash bonus of {$700.00}. This is a classic bait-and-switch scam. To resolve this matter, I would like the check of {$50000.00} to be issued ASAP. They have no right to keep my money for 60 days since they will be closing my new checking account. If the check ends up being issued after 60 days, I expect another check for {$700.00} as the cash bonus promised.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade XXXX XXXX. 
Please do something about credit card companies bleeding consumers like me and God knows who else dry?

Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!
Consumer complaint received 2024-03-09
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. (OR)

unauthorized hard inquiry on my report from XXXX XXXX did not authorize this inquiry on my transunion report or the inquiry on experian. Both are from XXXX XXXX
Consumer complaint received 2022-05-23
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. (OH)

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

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-05-23
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. (OH)

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

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I was charged fraudulently by a XXXX XXXX to XXXX  XXXX XXXX for {$2000.00}. I have never used XXXX XXXX before and did not know it existed until someone tried charging my account with it on my Wells Fargo checking account. I only had {$360.00} in the account and the rest got charged to my credit card with overdraft protection. Thankfully my account had a credit limit of {$3000.00} because when I called the fraud department on the XXXX when I realized what had happened they had told me they tried to charge two additional XXXX XXXX money transfers to Bank XXXX XXXX of {$990.00}. 

I have called Wells Fargo 's fraud department twice since then. The first time I called the claims department person told me my computer or phone was compromised and to wipe everything off of both it which I did. Apparently for no reason now. a week from that they told me that I don't have enough evidence to prove the fraud claim. I have no idea how my account could have been compromised outside of a phishing email I had problems with that previous month in the middle of XXXX ( I don't remember the exact date, but I got a new credit card the moment I exited the phishing scam and realized what had just happened ). 

I did everything they told me to do regarding my account when the phishing scheme happened ( which only compromised my XXXX account which had the same email I use for my bank. They didn't think it necessary to change my email ) and thought it was taken care of, but it clearly was not. I have since changed every possible piece of personal info on my account that can be changed ( username, password, email, etc. ) and have added text notifications to my phone for anytime any charge on my account happens so I can be swifter about problems in the future, and I have added 2-step verification to my account as well to ensure no one outside of myself can use my account. 

I'm hopeful that by doing this I will have this nightmare taken care of for me, but just in case it doesn't I have also filed a police report on the matter.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.