davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: DISCOVER BANK (PA)

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 a so 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 2022-12-03
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: SYNCHRONY FINANCIAL (VA)

In accordance with fair credit Reporting Act 15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 It so states a consumer report furnish an 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 any for purpose.
Consumer complaint received 2021-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: C/C Financial (FL)

I made a purchase of a king bed and mattress at XXXXXXXX XXXX and I use preferred lease as the financing company for the purchase. Now, XXXX gave me items that is broken and I tried over and over to talk with a representative from preferred lease to resolve the issues and every time they transfer me to a number that never answers. I made a XXXX review about XXXX XXXX  in order to get the issue resolved, so they sent a service guy over my house three weeks ago to fix the bed but he never fixed it and he also showed up with no tools to fix the broken frames and railings. 
Now, it supposed to be if a merchandise is defective that the leasing company will work with you. Instead they are keep writing me that my payoff is due on XX/XX/2021 but yet I can not reach anyone to talk with and see how they can help with this issue.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

A review of all 3 Credit reports ( XXXX, XXXX  & XXXX ), on XX/XX/XXXX -- resulted in my finding LVNV reporting an alleged debt with all 3 consumer reporting agencies. This alleged debt was duplicate reported as a XXXX XXXX debt as well as an LVNV debt. 

At this time I forwarded XXXX XXXX a Notice for conditional Acceptance upon Verification with all the reported Account information, alleged debt amount and name of alleged borrower. On XX/XX/XXXX, AND XX/XX/XXXX ( enclosed ), XXXX XXXX responded that they have no records of any alleged account. 

Between XXXX of XXXX to present I have sent Notices ( all enclosed ) of Verification/ Notice & Demand for Full Disclosure/ Notice for Adequate Assurance of Due Performance/ Notice for Holder in Due Course, to LVNV and  they have failed to respond. All the while continually reporting this fraudulent debt to all consumer agencies.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

After contacting my current insurance provider it has been indicated that the amount requested {$1000.00} from : Collection Bureau Of Hudson Valley Inc.

Is inaccurate.

Therefore I would like to request that this collection agency provide the actual original bill for all services provided.
Consumer complaint received 2024-03-07
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. (OR)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am displeased with TransUnion 's handling of fraudulent accounts on my credit report. XXXX swiftly removed these accounts, but TransUnion has not, violating its obligations and damaging my financial standing. 
Remove the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I tried to get credit- via a mortgage and was told that my XXXX  was reporting me as deceased. When I called XXXX to rectify the matter they told me I was reported as deceased via Synchrony Bank. I called Synchrony back explained that matter and wanted to know why they were reporting me as dead. I was able to verify who I was and when I tried to rectify the outstanding debt with them and was then told they will have to call me back. Shortly thereafter I received notice in the mail via a 1099-c form that they cancelled the debt and that I no longer owed them. I presumed this was due to their HUGE mistake. Fast forward I am trying to get approved for a loan again, this time I am being told that via XXXX  Synchrony bank says I owed them money. When I called Synchrony bank on XX/XX/19 they explained that I was dead again and then realized the mistake and said no you don't owe us any money we 1099-c you. 
I am asking for you help as me making calls to each provider is not getting me anywhere
Consumer complaint received 2019-10-16
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. (IN)

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( CHASE CARD WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
Consumer complaint received 2022-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

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 2019-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau (AR)

I contacted Tulsa Adjustment Bureau to try and settle this debt that they show on my credit report, only to be told I had several other debts that this company wanted to settle before they would settle the shown debt, the other debts were several thousand dollars or so they said. The problem is that they know these debts are both uncollectable and unreportable. Under Oklahoma statute 14A-5-107 and statute XXXX medical debts of 2 years or more are not collectable or reportable. I called them again and spoke with them on their recorded line and made them aware of this. They said they were within the law to try and collect these debts they are NOT! I am XXXX and live on a modest income and the Americans with Disabilities Act comes into play as well. They can not treat me differently than they treat a non XXXX person. They are not following the law in either case. This debt must be removed from my credit report. As it is unlawful after the 2 year time frame for this to be reported.
Consumer complaint received 2019-06-28
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. (MO)

After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX/XXXX 4/3/19 2XXXX/XXXX  -- - 3. XXXX XXXX 11/21/18 4.XXXX XXXX 3/8/18 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We got a credit alert that informed us that Trans Union has placed on our credit report a late payment that is not late, its from XXXX who also has charged us with a late fee. According to consumer affairs this can not be done until after 30 days, XXXX XXXX is fraudulently charging my account which has been closed for months therefore, because of this we are filing a major law suit against XXXX and Trans Union and we encourage CFPB and the FTC to whom we will also notify of this fraudulent activity and we are requesting that you fine Trans Union XXXX XXXX XXXX dollars for their part in this.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capitol One was hacked, both the press and the TV national and local have said that over l00 million customers from Capitol One Bank has been hacked, with over l00 million social security numbers taken improperly. 

I have a charge card, checking and savings account with them. 

Attempts to resolve this issue with them have been fruitless. 

I called the Charge card XXXX number on XXXX, and my first complaint is with their phone system. It refused to accept the last four digits of my credit card, then refused to accept the whole l6 digits of my credit card which is current. ( Have I been hacked already? ) After a l5 minute wait in which I kept waiting for a representative, I believe an XXXX customer service rep came on the line. This was a gentleman who went by the name of XXXX, ID # XXXX, who then proceded to lie to me, stating this only covers people who apply for credit cards, not current customers. I told him that this was a lie, over l00 million people have not applied for credit cards with Cap One in the last six months, and and asked to speak to his manager/supervisor, this request was denied, so I hung up. 

I then called the Checking/Savings Customer Service line and this time a gentleman named XXXX gave me much better information and really tried to help me. His ID # is # XXXX. However, he is getting the same information from Cap One, that only credit card applicants would be hacked, if anybody. 

I then asked for what remedies are available such as ID Theft Protection, Credit Monitoring, and which credit agency that Cap One deals with. He was helpful, but did try and help me to the best of his ability. 
The credit card numbers end in XXXX. 
The checking account ends in XXXX The savings account ends in XXXX Capitol One has NOT contacted me yet via phone, email, or mail, and per the press releases have known about it since XXXX. 

Help please
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (GA)

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



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.
Consumer complaint received 2019-10-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

After filing the complaint with CFPB on paypal they limited my account and a warning pops up saying I can no longer use Paypal. No email no letter nothing ' happened at all. Then I left 3 messages thru the my paypal and no response and so I called waited a hour on the phone and the same lady that answered just days before that would not help me hookup my debit card to my account and would not let me talk with a manager for over 10 minutes of me asking for a manager and her saying they can do nothing finally she got a manager and I told him about he and how rude she was for no reason and he helped me hooked up the card and said he would talk with her. Well it was only 3 days later my account was limited and nonusable no email no nothing so when I called the second time she put me on hold and never came back and never got another dept she said I needed to talk with. She is being nasty for no reason other than she was rude to me and now needs to be talked with again. This is harassment 's and I still cant collect my refund/
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-11-18
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. 

I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. 
XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. 
XXXX ( b ) - ( e ) sending me results of the investigation. 
XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. 
XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). 
XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. 

Please see the attachment in this CFPB complaint.
Consumer complaint received 2023-02-28
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. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX