davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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 # 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. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (NV)

Due TO THE NEGLIGENCE OF XXXX, XXXX, AND TRANSUNION ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER XXXX!! XXXX XXXX AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST LOST MY CHILD BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


XXXX XXXX XXXX XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2021-05-14
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: BMW Financial Services NA, LLC (CA)

I have a fraudulent account on my credit report, which I reported it to BMW FINANCIAL SERVICES, yet BMW FINANCIAL SERVICES is not removing this fraudulent account. BMW FINANCIAL SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BMW FINANCIAL SERVICES Bank has refused to do this. The following is the fraudulent account : BMW FINANCIAL SERVICES XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXXL # 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-12
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. (MN)

SECOND REQUEST : Transunion came back on XX/XX/22 stating the account had been verified as mine but failed too thoroughly investigate all accounts listed on my report. Instead they opened and account that I was listed as closed and is fraudulently showing incorrect information after I have sent them several requests to have the following removed. They are not following E-OSCAR and Metro 2 Compliance. They are sending out letters without thoroughly investigating items on my credit report. 

Those items are : XXXX XXXXL-was listed as closed. They reopened it with a balance reporting every month which is against the law. 

XXXX  XXXX XXXX XXXX  XXXX TEXAS
Consumer complaint received 2022-04-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-10
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 Account # XXXX XXXX XXXX, has violated my rights. 

1

5 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
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. 
XXXX XXXX XXXX XXXX {$3100.00}
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AR)

Recieved 3 calls from this collector during working hours.. 

Date : XX/XX/2021 Times : XXXX XXXX XXXX XXXX I answered the call at XXXX, not knowing who the caller was. During the call I informed her I was at work and could not talk. She argued with me even after I told her to call me tomorrow on my off day. She threatened to place this on my credit and also continued to attempt to get my financial information.
Consumer complaint received 2022-04-10
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 convergent account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX acct # XXXX XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX OF MO # XXXX, XXXX  XXXX # XXXX, XXXX # XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-19
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: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I discovered that Convergent Outsourcing, a company I had never heard of before and never done business with, had placed a blatantly inaccurate and unverified collection account on several of my credit reports for an account that does not belong to me. I immediately contacted the credit bureaus via certified mail and asked for the debt to be properly verified and to be provided a copy of the original written contract with my original signature on it. After an improper investigation, the credit bureaus validated the debt and Convergent Outsourcing sent me a copy of a XXXX bill from XXXX with my name on it. However, anything other than a copy of the original signed contract would be insufficient. A bill without a contract does not validate a debt according to the FCRA. The document they provided is NOT a contract and they did NOT provide me anything with my signature. I have never used XXXX and have been with XXXX for approximately the past 10 years. 

I wrote a second request to the credit bureaus for the original contract and was denied once again, still without a proper investigation. Convergent Outsourcing has demonstrated that they are unwilling and more importantly unable to provide the original contract with all terms and conditions neither with them or the original creditor because I have never had any type of business relationship with either. They are not able to provide a summary of account activities, history of payments made, history of any late payments charged to the account, dates of payments received, or even one single document with my original signature on it, nor do they even have anything with my digital signature. Convergent Outsourcing has had dozens of class-action lawsuits filed against them for multiple violations of the FCRA. They have a long history of doing this exact same thing to many other people.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Can not log into the MyEquifax site. ( https : //my.equifax.com/ ) Error message provided every time is " We are temporarily unable to complete this request. '' I called them and went through some troubleshooting processes with no luck. They told me to try again later. Its been a week and its still giving me this error.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I was pre-Approved by both the SBA and Lender for a second round of PPP money designated for Gig workers, independent contractors, Sole-Proprietors, and the self-employed, Funds in the amount of {$20000.00} was deposited in my account at Capitol One, of which I also had a business account for a different company at the time of the above mentioned deposit. Upon entering the bank to make a withdrawal, I presented my identification to the teller and was told I could not withdraw funds as the bank had placed my account under investigation for fraud, due to the type of deposit ( confused ) the funds were verified, yet Capital One still withheld my ability to utilize my account and access the funds ... They requested documentation, which I provided, and was given a number to call. No one was able to definitively provide a reasonable explanation as to why my funds were being withheld. Fast forward, and I reached out to them on XX/XX/2021 only to be told my account ( both ) was closed and that they would contact me later!! 
Unfortunately I am aware of this very situation happening to several other individuals regarding PPP deposits with Capital One! I am the Sole-Proprietor of my private business and should not be forced into this dreadful situation, especially when funding was verified!!! PLEASE HELP!
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Bureaus, Inc. (OR)

I received a lawsuit summons from a company I do not recognize and have not received any direct notification, statement, or notice of intent to sue from them prior. There is a credit card account originally held with XXXX XXXXXXXX XXXX. According to the summons, the debt was purchased in a bulk sale from XXXX XXXXXXXX XXXX by Bureaus Investment Group in XXXX Colorado. According to the summons paperwork, the balance showing at the time of charge off on XX/XX/XXXX was {$1000.00}. I only recently found out about this creditor when I noticed it showed up on my credit report and I was trying to figure out who it was so I disputed it with the credit bureaus. Today I was served with the court summons as a response from the creditor in question. According to the summons paperwork from the Plaintiff and the circuit court of XXXX XXXX, it says I have 30 days from the date of service of the summons to respond. The paperwork is Dated XX/XX/XXXX and today is XX/XX/XXXX. I did not receive the paperwork until 30 days after therefore not giving me ample time to achieve counsel and respond.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I previously had a situation with Bank of America which cause it to reflect negative on my consumer report. This negative remark is now causing an issue with me getting a position that I've worked very hard for and is well deserved. I simply ask after 16 years are almost perfect payments, that I may receive good will on the one missed payment. See attachments for detailed explanation.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-28
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-10
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. (WI)

15 U.S.C 1681 Section 602 A.states I have the rights to privacyC 15 U.S.C .1681 Section A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction account numbers XXXX XXXX XXXX account number XXXX XXXX
Consumer complaint received 2022-04-10
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)

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-08
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. (OH)

I sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., 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 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I woke to find an alert from my my primary banking institution XXXX  XXXX XXXX that an Electronic draft of {$27000.00} was deducted from Chase from my checking on XX/XX/XXXX. The next alert was that my account was overdrawn by {$25000.00}. 
I quickly called XXXX XXXX XXXX to find out what had happened. Chase had auto debited {$27000.00} from my checking as payment toward a credit card I had with them. There was nothing XXXX XXXX XXXX could do. The payment would ultimately be rejected for insufficient funds but it would take a could of days for this to process. In the meantime my checking account would remain overdrawn and any pills I had scheduled to pay would incur a fee for insufficient funds, not to mention I had no cash at all until this could get sorted out. XXXX XXXX XXXX advised me to speak with Chase to get the payment halted or reversed. 

I reached out to Chase to inquire by the auto debit happened. At first the customer rep told me it was because I opted in for auto pay of my statement balance in XXXX. In which I explained to here, if that was true, I didnt spend XXXX this past month. While I was on the phone I searched my statements and documents from Chase there was not notice of me opting in and authorizing auto debit. Only notice I was able to find was my authorization of a payment for this credit card for {$800.00} on XXXX. 
I was told by Chase besides canceling auto pay, they could not stop the payment or reverse it until the amount was processed by XXXX XXXX XXXX and rejected. 
I asked to speak to a supervisor or a manager. I explained my situation and was put on hold upon coming back I was told that on XX/XX/XXXX I authorize an auto payment of my statement balance. I told him this was highly unlikely as on XX/XX/XXXX I had just made a large payment towards that credit card and for me to log back in three days later to make another payment would be highly unlikely.

I also asked about why there was no notification of the auto payment in which there was no answer for. I then asked for records of what device or IP address of what computer authorize the auto payment and I demanded an investigation be conducted. 
At the end of the day I checked the statements and documents of my Chase credit card. There was only one document and it was the cancellation of my auto payment. If a notice of a cancellation of auto payment is generated in the system to be delivered to me, how come there is no documentation of me authorizing an auto payment of my statement balance in the system? 

Leave my taxes are due on Monday until this is sorted out I have no money to pay my taxes which leaves me in a horrible predicament. How could something like this happen? Ive always paid my bills on time and been financially responsible and now because of a mistake by Chase, I will be incurring fees or over drawing my account and for insufficient funds For any payments that can not go through.