davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have new and updated information in regards to complaint number XXXX. Midland Credit Management did not provide sufficient information in response to my notice and Cease and Desist. They are also still reporting negative information that has been disputed on my consumer report which is causing me more harm and stress due to being unable to rightfully utilize my credit. This information is misleading and deceptive
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (HI)

-Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I went to a chase atm to deposit cash. Used my phone to tap and deposit. I deposited the cash and after the atm took my money it sent an error code. It was approximately XXXX XXXX I don't remember because I panicked. The machine printed a receipt with a phone number to call to make sure it went through. I tried to speak with someone no one was available. So I called back to listen. To deposits. It was not there.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit for personal, family, and household purposes by CAPITAL ONE BANK ( USA ) , N.A. I was notified of this transgression of my rights specifically 12 CFR 1026- The Truth in Lending Act, by CAPITAL ONE BANK ( USA ), N.A. on XX/XX/2022, dated XX/XX/2022 via U.S. mail. According to 12 CFR 1026.2 ( a ) ( 3 ) definitions of The Truth in Lending Act, an application means : submission of a consumers financial information for the purposes of obtaining an extension of credit. A credit card ( 12 CFR 1026.2 ( a ) ( 15 ) ( i ) means any card ( social security card ), plate, or other single credit device that may be used from time to time to obtain credit. I used my social security card to extend credit to myself for personal, family, and household purposes. I as a natural person possessing an open-end credit plan, which was harmed by CAPITAL ONE BANK ( USA ) , N.A. adverse action taken against me and denying my rights. This is discrimination according to Regulation B Equal Credit Opportunity Act because, I the applicant, has in good faith exercised my right under the Consumer Credit Protection Act. My credit card was charged, which shows a transaction took place because the inquiry is on my consumer report. Meanwhile, CAPITAL ONE BANK ( USA ), N.A. received consideration and I got a denial adverse action letter. Pursuant to Equal Credit Opportunity Act, anyone who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant, which is me, for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages. CAPITAL ONE BANK ( USA ), N.A. is now civilly liable to pay me for the damages when Ive showed good faith as a consumer and was denied my right of credit for personal, family, and household purposes.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I need help in recouping my rent money from ChaseXXXX XXXX My landlord advise me that as of XX/XX/2021 I would be able to send him my rent money through XXXX. On XX/XX/2021 I sent my rent through Chase via XXXX {$1500.00}. On XXXX XXXX, XXXX I received a call from my landlord asking me where was my rent money. I told him I sent it via Chase/XXXX XXXX XX/XX/2021. He said he did not receive it. I confirmed his email address and realized I add an extra letter to his email & that is why he did not receive it. I contacted my bank immediately and they sent an claim dispute to XXXX. The correct email is XXXX and I accidentally sent it to XXXX - I added a " XXXX '' to the email address. I did my own research on email XXXX and no results came up. I even sent an email to this email address pleading to please send me back and money and no response. I have contacted Chase numerous of times and they said there is nothing they can do and that I have to take it up with XXXX. I contacted XXXX and they say since I did not submit this transaction through them directly I have to take up this matter with my bank Chase. I'm being tossed back and forth and no one seems to be able to help me retrieve my rent money of {$1500.00}. I even told them I did my own research and told them that this is not a valid email and where did my funds go. No one can not help me. This is a lot of money to just throw away accidently. Please can you help me. The case # that chase opened and closed is XXXX. They will not open another dispute to advise me where was these funds deposited too and to whom. I have attached the information of my research on the email address of XXXX and there is no activity on this email.
Consumer complaint received 2023-07-02
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 (NV)

The card was opened by identity thief on XX/XX/22 through capital one I contacted them the day of & had it stopped immediately. 
The hard inquiry that was obtained by the identity thief hasnt been removed so Im hoping you can help me take care of this, I do have the letter from capital one stating it was a case of identity theft
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-10
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-07-01
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: DISCOVER BANK (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

XXXX with XXXX, -XXXX  XXXX XXXX- called and left a message at my place of employment, which I am not working at right now as I am on XXXX. He lied to an employee of the company saying that the call was regarding an " application ''. When I returned the call to him to find out what it was regarding, he then stated that It was a collection account. He threatened to serve me legal papers at work. I stated a couple of times that I was on XXXX and not working, and he asked " what does that have to do with it? '' He was rude, condescending and a bit harassing. Also, he stated the address that they have sent information to, to which I responded was not my address. I told him my mailing address and he responded that they needed my physical address. I told him that I wasn't giving them my physical address and that they needed to send information to my XXXX XXXX , which is when he threatened to have papers served to me at work.
Consumer complaint received 2022-10-11
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. (GA)

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 Bank XXXX XXXX XXXX, Office of the ATTY GEN : # XXXX, 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 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 2022-10-11
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$6.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) Experian and XXXX shall block 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.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express ( AMEX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to Amex in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by Amex that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, Amex updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!
Consumer complaint received 2022-10-11
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. (GA)

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 XXXXXXXX XXXX  XXXX XXXX XXXX, Office of the ATTY GEN : # XXXX, 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 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 2022-10-11
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. (CA)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-01
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: DISCOVER BANK (MI)

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 : DISCOVER BANK # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX Asset Amount : {$0.00}
Consumer complaint received 2019-01-10
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. (NC)

I have tried to get the XXXX XXXX hard inquiry off my credit report I tried to contact XXXX XXXX on their email web but it is a joke It keeps saying that I have invalid characters in my message. They Have no other way to email them to get the details of the XXXX hard inquiry details. I can't get thru on their customer service line. XXXX XXXX is still on my credit report. I did not give them permission to access my credit.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I received a apology from XXXX XXXX  XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. Experian just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous