davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding Acct # XXXX a said debt that they obtained from XXXX XXXX Bank ending in XXXX is attempting to collect a said debt but they dont have authority to do so in California so under 20 U.S.C 1234e I demand a cease and desist and the third party debt collectors. Also under 15 U.S.C 1681 Section 604a. I have a right to privacy since the said debt was sold my rights were violated again. I ask this account be deleted in error
Consumer complaint received 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX Experian XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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. (NC)

For the past few years I have been working on repairing my credit. I have sent three or four disputes to XXXX in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that XXXX is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

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 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 2023-02-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/XXXX : The Barclays Fraud department called me to alert me of suspicious activity on my XXXX XXXX XXXXXXXX XXXX # XXXX. 

Immediately I said I do not use this card for in person transactions, I use it online only. These charges are not mine. Please close the card and refund the transactions. 

The fraudulent charges span XX/XX/XXXX and XX/XX/XXXX. There are 8 charges at 4 retailers for a total of {$180.00}. A screenshot will be attached to this complaint. 

I'm told the charges will be taken care of, so I do nothing. 

XXXX : I notice the charges are still on my account. Sure that it was a mistake, I use the online tool to dispute. 

Denied with no explanation. 

Later in XXXX : I dispute again. 

Denied with no explanation. 

In XXXX, I dispute a third time. Denied. 

I call. I am tossed around from department to department with no explanation. I spend an hour on the phone to be told I must speak with a manager and the only way to do so is to get a call back in the next 5-10 business days. I am told if i miss the call for any reason, they will not be calling back.

So I wait and I am called a number of times from the billing department. They're concerned about my late payment, despite being in the middle of a fraud dispute. For two weeks I answer every call, I am never called by a manager.

I call again. I spend another hour being passed from person to person and I am given no answers. Rinse and repeat. I spend XXXX hours in total trying to speak to a person about the matter, I am given no answers. 

Eventually I am told by an employee that my dispute was denied because I didn't send any proof that I was not at these locations on XX/XX/XXXX and XXXX. When I ask what kind of proof to provide, he tells me to send in my work schedule via fax and that will be good enough. 

XX/XX/XXXX : I fax in my work schedule, my explanation, my dispute. 

My dispute is denied. 

XX/XX/XXXX : I send another fax dispute. It include a photograph w/ my geo-location for the day, my schedule, an explanation and so on. 

My dispute is denied. 

XXXX. I call again after an hour I am transferred to a person who finally tells me that the reason my claims are being denied is that at one point over the past three months, I told one of the employees that I had the card in my possession. I explain to her that though I might have said this, it was a mistake. I do not have the card, I have searched my home. I do not make outside payments on this card, I do not visit these establishments. 

I have spent HOURS talking to Barclays over the past three months. And still, I have not been granted access to any person who is willing to talk to me about these fraudulent charges.
Consumer complaint received 2023-06-24
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. (AL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : 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 2023-02-17
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 confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX & Account Number : XXXX has violated my rights. Or 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 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SYSTEM opened a collection account on my name for {$15000.00}, I am not liable for this debt with charter communications, I do not have a contract with JEFFERSON CAPITAL SYSTEM, they did not provide me with the original contract as I requested.
Consumer complaint received 2024-04-12
Product: Credit 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/2024 I reported to the Randolph Brooks Federal Credit Union that a fraud on my XXXX for {$97.00} had happened. It was charged to XXXX XXXX XXXX. The company cancelled my card and issued a new credit card and said that they would investigate to return my stolen money. After 60 days I called to find out the status since I had not received a refund. I was told that the case was closed since they couldn't find the charge on my credit card statement. I mentioned this was wrong and we found the false charge and a new case was opened up XXXX. I am still waiting for my refund. I'm glad it wasn't for several XXXX dollars since something is wrong with their procedures etc.
Consumer complaint received 2023-02-17
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-28
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

My privacy is continuously being violated by Chase XXXX credit card advertisement. I have not granted consent for chase bank to soft pull from any credit reporting agencies to send advertisements to solicit my business. 

Chase denied my application ( collateral ) for the credit credit. However my application was submitted to the Federal Reserve for payment but I received no compensation, nor was my application returned to me. 

My consumer rights were violated with the denial because I can not be denied for exercising my rights as a natural person. Which is discrimination and discouragement per the EOCA. I was denied based off someone's opinion. There is no where in the law that says you make the decision off of information from a credit reporting agency. In fact congress does not back anything from the credit reporting agencies. 


Chase Bank is in violation of the EOCA ; this denial has caused me harm, discouragement and it's discrimination.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-02-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (AL)

I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

When I was underpaid and struggling to pay my loans from Fall XX/XX/XXXX to XX/XX/XXXX, Navient repeatedly encouraged me to take in school forbearances rather than giving me income sensitive repayment options. Forbearances were simple and could be approved over the phone and were pushed by the Navient employees. As a result of these forbearances, tens of thousands of dollars of interest became capitalized and I am paying much more for much longer than needed to be the case.
Consumer complaint received 2023-02-17
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. (MD)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX All the above has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-17
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. (TX)

i have submitted theses damages to the credit bureaus i am in the process of purchasing a home and i submitted the information to the credit because and they have not provided the proper results and removing the fraudulent and negative information that does not belong to me and according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and correct and update information and if this is not the case then all negative and incorrect information must be removed
Consumer complaint received 2023-02-17
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. (CT)

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 XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.