davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX BANK XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX  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 acount without my written instructions
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (CA)

XXXX has illegally pulled a Hard pull inquiry on my credit report with Experian, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for XXXX to respond. 

XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (VA)

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

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/2024. I have sent them this letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the law.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reached out to my financial institution on XX/XX/XXXX regarding the rental occupancy scam I was recently involved in on XX/XX/XXXX in the amount of {$1000.00} that was debited from my personal checking on XX/XX/XXXX. I have a XXXX XXXX XXXX XXXX  case number XXXX, I also filed my complaint with the XXXX, XXXX XXXX XXXX  XXXX and attorney general regarding being a victim of a rental occupancy scam. My bank Capital one declined my claim on XX/XX/XXXX without asking for proper documentation showing that I was a victim of a scam. I reached back out to capital one on XX/XX/XXXX telling them I have all the proper documentation to assist with recovering my funds. Yet no action has been taken to help me recover my lost funds in this terrible situation I was involved in.
Consumer complaint received 2022-03-04
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I have tried to reach out to Midland Credit Management about an account they allege I am responsible for. I have sent documentation on two separate occasions which they have never responded to me showing me proper documentation that I owe them.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (KS)

Yesterday, I transferred money to my sons bank account in the XXXX. The receipt said that the date the money will be available in the receivers country is today XX/XX/XXXX. It is already XXXX right now in the XXXX  . My son was getting crazy back and forth to check if the money is already in his account but nothing happened. Today is his college enrollment and he went home empty handed. He was already in school since morning waiting for the money to come but nothing happened. Ive been sending money to him almost every month but this is the first time it failed to deliver. I need some explanation what had happened. 
XXXX XXXX
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: TD BANK US HOLDING COMPANY (MA)

I want to complain about NORDSTROM I received a promotional email from NORDSTROM for a credit card application. Then I log in and apply. The results could not be approved, but I do not complain.

But I still receive credit card offers from the Nordstrom email app every day. I filled in the application again and the result was not approved again. I must complain and complain.

The fact that Nordstrom sent false e-mails to seduce me and cause my credit score to drop led to an additional investigation of my report and a negative impact on me. I was even more skeptical that my personal information was picked up by Nordstrom for other purposes.

XXXX XXXX XX/XX/2018 THANK YOU
Consumer complaint received 2018-12-14
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)

On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.
Consumer complaint received 2018-04-24
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. (FL)

Account from the company below show in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I denied having any of the above account. I asked for the reporting agency to provide proof on me owning any on the account mentioned on the credit report in the form of my official signature. 
If they can not provide such proof, they must remove those accounts from my credit report. 
Those fraudulent reports have cause 2 of my bank accounts to be closed. 
Again, I would like the credit report agency to provide me with proof those account belong to me. 
Meanwhile I have put a fraud Alert on my credit card.
Consumer complaint received 2018-05-16
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. (CA)

I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.
Consumer complaint received 2018-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.
Consumer complaint received 2022-10-12
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



AXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX TransUnion XXXXXXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , New XX/XX/XXXX TransUnion XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Contractors XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was in the hospital, my card was on auto pay, but due to me not be able to confirm the payment with the creditor due to me being in the XXXX " not sure way never needed to before '' i was given a 30 day late, when I called and asked for a good will adjustment because of my episode, but once i told the creditor I was ill, the creditor closed my account, even being I had never missed a payment in over 3 years.
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (PA)

I initially filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/XXXX, complaint # XXXX, but despite the fact that XXXX XXXX is listed on my consumer reports, they referred me to a company called Asset Recovery Solutions , LLC. 

My consumer rights are still being violated at this time because I have no knowledge of or contract with these companies! The Privacy Act of XXXX  is being pursued. This is a violation of my privacy because my personal identifying information is being transferred between companies without my consent. Such behavior is prohibited under 18 USC 894. These companies are using my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ).
Consumer complaint received 2022-03-04
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SXXXX XXXXL 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 acount without my written instructions
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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. 

Account Name : 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 has violated my rights. Or a 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 2023-02-13
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2021-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i had points on my credit card and i decided to redeem all of my points for gift cards for a total of {$900.00} and it has been three weeks and i have not received my gift cards, i have tried to work it out with Capitol One on numerous occasions and they continually ask for weeks of more time, i am suppose to get call backs from supervisors and i receive no call back, I would appreciate your time and assistance with this matter
Consumer complaint received 2020-02-04
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :