davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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: Velocity Portfolio Group (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capitol One credit card was stolen. I cancelled it and requested card replacement. My account was changed to a new number. Three times I waited two weeks for the replacement card, called customer service ( long wait ), was told I needed to submit digital ID documentation, submitted it immediately and properly, waited two weeks again, etc. I write this after my fourth customer service call. I refuse to continue to resubmit. I was an excellent customer of over 10 years with an average monthly charge on this card of about {$500.00}. My credit score has been about XXXX for all that time. I have never refused or failed any security questions. There is no other problem. This is a ridiculous bureaucratic security issue that lost an excellent customer, and he is angry enough to write this.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

They called my moms cell phone who lives in a whole different city than me looking for me, and told her that if I didnt call them back that they were going to file something in court to have me arrested. 

I filed a dispute against them and they are lying about everything and they wont stop the harrassment.
Consumer complaint received 2022-04-12
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. (CT)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-12
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: MoneyLion Inc. (FL)

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 states Consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any dept
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Titan Receivables, Inc. (UT)

Titan Receivables is reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is very old and is past the statute of limitations in Utah and it is also past the credit reporting limit. Reporting this account on my credit is a violation under the FCRA and the FDCPA. Yo umust remove this account from my file. I will also inform you that if you office have or continue to report invalidated information to any of the three major bureaus, this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Titan Receivables I will not hesitate to file for legal suite for Violation of the FDCPA.
Consumer complaint received 2022-04-12
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. (PA)

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds 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 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-12
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. (NY)

I sent multiply certified written letters about unauthorized inquiries listed on my credit report, both creditor and credit bureau refuse to give evidence stating I gave them access to my credit report. According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. I asked them to please send me communication from these companies of what they consider permissible purpose.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (PA)

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds 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 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I refinanced my car through Capital One. During the refinance, I was taking my ex-husband 's name off of the title of my car. I submitted the limited power of attorney for myself and my ex-husband to show that he would no longer be on the title. 

I have contacted Capital One Auto Finance on numerous occasions to get an update on the status of my title because I still have not received a valid registration for my car and when I received my Personal Property Bill for my area on XX/XX/XXXX, it still has my ex-husband 's name on it. 

I have contacted Capital One at least 2 times a month since refinancing in XX/XX/XXXX. Every time I contact them, they tell me that the " back office team '' is working on it and they are backed up, but it should only take 2-3 weeks for this to be completed. It is now XX/XX/XXXX, and I just got off the phone with them again and they still have no update. 

Every time I call, they tell me that the back office team will be calling me with an update, but I have not received the call from them at all. 

This issue is a domestic XXXX issue as my ex-husband can't know where I live or have any access to any of my assets. His name on my car causes a lot of issues because he could do something to my car in my area since it is his car, as well.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (MD)

Hello, I made my final car payment 6 days before the due date. The money was withdraw bank account 8 days ago, but it still hasn't been reflected on my payment statement, and now it's showing as late. I've already contacted the XXXX XXXX, and although they can see the payment, they haven't taken any action to adjusted my account balance.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (AR)

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

Equifax, XXXX and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-04-12
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. (MA)

I've made multiple attempts to have Transunion correct wrong information associated with an old credit account which appears on my credit report. The claim report has been returned with the same incorrect information, claiming that the information was verified. Upon calling Transunion to speak with representatives, I was alternately told that there were no managers, there were no employee ID numbers and that the new information I was provided would be taken into account ( payment history based on check stubs ). 

Upon calling the creditor in question I was told that they purge their old accounts within a couple of years of the account closing and that they could not find any trace of my account whatsoever. I spoke with XXXX different reps and both told me that the information is scrubbed and even were Transunion to call they would only be told that my account was closed in good standing. 

Transunion appears intent on ignoring their obligation to do due-diligence in maintaining accurate records and as a result my XXXX XXXX is suffering. Given the economic conditions this has grave consequences on my ability to make large purchases and is impacting my standard of living. 
It is both unacceptable and appalling that a company has such power over private citizens while having a complete lack of customer service options.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I received a letter dated XX/XX/2021 re : Your TD Bank Checking account ending in : XXXX. 

I did and do not have a checking account with TD Bank. 

After a couple of days, I received two packages with two sets of TD Bank check books inside that have different account numbers at the bottom. I did not order these because I do not have an account with this bank and never had any account with this bank.
Consumer complaint received 2021-05-17
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: JPMORGAN CHASE & CO. (CA)

Hello, I have been fighting to have JP Morgan removed from my credit report, they have never replied to my investigation with the info I requested. All I received is the investigation is complete and verified. I have asked for what they have that verified the account they did not send copies. I have also send my 3 bureau credit report showing the inaccuracy 's they then removed interest they had been adding which is illegal on a closed account and goes against the FCRA. The past two months they have reopened the account with XXXX and this is causing catastrophic damage to my credit score. They legally can not open a closed account from XXXX that I have been disputing trying to get proof from them proving this is my account I would like this account. I have asked All three credit bureaus to remove if they can not show my proof. They never reply with proof just that is is valid. according to the FCRA is they can not show me what they have to prove this is my account with my signature they legally must remove ; they have not, they have instead reopened the account. What the credit bureau 's are doing along with JP Morgan auto is illegal and abusing their power to hurt people financially. I want this account removed from all 3 credit reports and would like to file a formal complaint against JP Morgan Auto for abusing their credit reporting authority. 

1st letter sent : XX/XX/XXXX 2nd letter sent : XX/XX/XXXX 3rd letter sent XX/XX/XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX OF XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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)

XXXX XXXX XXXX for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent Experian, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still experian won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment
Consumer complaint received 2022-04-12
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. (NC)

XXXX. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A Section XXXX have the right to privacy. 

XXXX. XXXX XXXX XXXX Section XXXX A. XXXX. It also states a consumer reporting agency can not furnish account without my written instruction.
Consumer complaint received 2023-06-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

I tried to set up a payment arrangement for a XXXX debt. 
IQ data states that they don't own the debt and XXXX is their client. 

I called XXXX and they told me that they do not manage the property anymore and any debt more than XXXX years old is typically a write-off. 

I have tried to make arrangements with IQ Data and even set up an arrangement. 
I called them a week before extraction and stated that I will not be able to make the full payment because of circumstances and to cancel the autopayment because it will decline. I spoke to a Manager with that request and she literally called me a liar and told me to borrow money that I am not responsible and that I do have the money. My conversation with her made me extremely emotional and upset, she was verbally abusive, and it's unacceptable. A gentleman called me today to advise that the payment did not go threw and I told him under new circumstances I only have {$1000.00} to pay on this debt and nothing else. He also called me a liar and was verbally abusive. 

Not sure why we allow people to talk to others this way. I work in collections and would never ever verbally abuse someone if they owe money. You have to maintain dignity and respect for others. 

Please help
Consumer complaint received 2021-07-26
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. (CA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

A debit of {$100.00} was sent to Trident Asset Management from XXXX, for an allegedly transaction back in XX/XX/2015. I have no knowledge of this site nor ever used it, therefore I dispute this charge. I have received letters from Trident Asset Management with offers to pay it off with big discounts, but the charge is not mine and they never provided proof that it would be mine.