davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XX/XX/XXXX XX/XX/XXXX account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-13
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. (NH)

XXXX XXXX {$1700.00} Closed OR : XXXX XXXX XXXX XXXX Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-13
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. (NH)

XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have written to the cfpb in early XX/XX/2019 about Capitalone. On XX/XX/XXXX XXXX XXXX from the executive offices made contact with me offering little detail to the exact reason my account was terminated and replied its under investigation she will be in contact with me. She sends cfpb and myself the alleged findings but never made contact after by phone. She lied in her statement from top to bottom claiming that the consumer reporting agencies contacted her offices on an alleged FTC report I submitted claiming my account as XXXX. I have letters from all 3 of the reporting agencies stating that capitalone is the one whom made contact with them on 3 different dates removing the account from my credit report as XXXXXXXX   causing a XXXX alert to be placed on them. Her report also said I discussed I was not trying to salvage any possible way to keep the account in question and thats not true I begged pleaded with her and she was to follow up and never did. XXXX is very unprofessional she has never addressed this with concern for the consumer but as a way to cover their corrupt behavior. I have suffered hardship and XXXX   pain XXXX and XXXX. I have been deprived of my Act rights and also my anti trust is violated. I am intimidated by capitalone because it seems they can just get away with anything and little old me will just have to tolerate it. Prior to this horrific event I had no real complaints against them but this is beyond rediculous. Do they have some kinda immunity to be able to lie their way through and strip a US citizen of his/her rights by law and even morally. I emailed XXXX XXXX as well and he is to busy for poverty clients trying to undo his employees mistakes. I have tried up to date to mediate and I yet no one can offer that at capital one. XXXX report has her number extension and employee ID and why she refused to talk with me even after submitting it in writing claiming she would be willing to help any way she can. I have proof to provide in my accusations that her lies are just random information she had access to in order to make this whole event look bad on my behalf and Im sorry to say she just made themselves look more foolish. Lastly I was told I could file for a new account which I did and was denied for an past hour obligation being this account that she states Im not responsible for yet their system is the only place this account is reflecting still how convienent. Equal fair credit opportunities stripped from the little man here in the land of the free Good work capital one you should be ashamed of your self!
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous.XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a  balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX has been non-compliant with removing the unverified account USAA SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (CA)

I'm in my late XXXX XXXX and have had excellent credit all my life up until this year, I've paid off my student loans, 2 consolidation loans in my credit lifetime. 

I recently fell behind on my priorities due to being on XXXX  leave twice this year ( both times within 2 months ). I have recovered and have since returned to work. I am trying to dig myself out and get back on track. I have a good paying job and just need a jump start, I've applied for a {$3000.00} personal loan and have been denied by pretty much everyone. Even the same very company ( best egg ) that I borrowed and have paid back since. Best Egg misleads me by sending me email saying that they have an offer waiting for me due to my good history with them and then I get denied upon pressing the link. I feel that they are playing with me ... ... at this point, this whole ordeal is beginning to impact my well being to where I'm losing sleep ... I feel that I am doing everything I can to do well on my debt but im being penalized for being on XXXXl leave which was beyond my control. Another thing is that these lenders are misleading me by sending me propaganda saying how they want to help but then denying it, these lenders should not be allowed to advertise on state funded website as there clearly they show zero intention in helping consumers..
Consumer complaint received 2022-07-12
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. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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 2022-06-18
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXXXXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (ME)

RPM has contacted 24 times since XX/XX/XXXX. After receiving verification of debt I contacted RPM regarding a discrepancy between the last bill received by the phone company the amount they are trying to collect. The discrepancy amount is {$250.00}. I asked for RPM to explain the discrepancy and the person I spoke with was unable to do so. When RPM contacts me and I am available to answer I answer my phone, say hello twice and noone answer on the other end. The following is last phone calls ( times and dates ) since XX/XX/XXXX. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX-answered 13 second call no answer from other side XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX answered 10 second call no answer from other side XXXX : XXXX-answered 8 second call no answer from other side, XXXX and XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX-answered 7 second call no answer from other side XXXX : XXXX answered 9 second call no answer from the other side XXXX : XXXX, XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

i am not sure of the balances but before i turned XXXX on XX/XX/XXXX my mother discovered someone used my information she contacted XXXX XXXX and XXXX XXXX they closed the account due to fraud. she than contacted experian credit bureau to make sure the accounts were taken off of my credit file. They had her submit multiple documents back in XX/XX/XXXX. The accounts still were n't removed when I turned XXXX in XXXX I contacted them again they made me submit the same documents in XXXX of XX/XX/XXXXand the accounts still remain on my credit file. The customer service rep even attacked me like it was my fault some used my information fraudulently. I do n't understand if the company closed the account due to fraud why experian as not deleted the information
Consumer complaint received 2018-11-13
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: Flatonia Investments, LLC (MD)

I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by XXXX XXXX as a request by a Mortgage Company called Envoy Mortgage, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both XXXX XXXX and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and XXXX XXXX refuses to accept liability.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX, my students loans with Navient were to be due after my graduating in XXXX. By XX/XX/XXXX, I had submitted all of my paperwork to request a deference due to financial hardship. On XX/XX/XXXX, I had not only responded back to a direct Navient employee, XXXX XXXX, via email relaying this information but I had also called the company at approximately XXXX CST to tell them that I had submitted the required paperwork. The paperwork had been submitted twice via fax and once uploaded through their website. Navient did not process my paperwork until after the XXXX due date and marked me as having late payments on the four loans I have serviced through them. The deferment was ultimately granted but instead of making it effective from the XX/XX/XXXX due date, they adjusted the end date. ( This was confirmed by a Navient employee via phone on XX/XX/XXXX. ) I have called and spoke to them regarding this error on their part. I have emailed them the documentation showing that I had contacted their company over a month prior to the due date but they are stating that they are correct in reporting. I do not see how I am responsible for their delinquency in processing my paperwork when I had submitted everything in a timely manner.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (GA)

I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.
Consumer complaint received 2022-07-12
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)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX  Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # 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 2023-03-23
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)

The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2023-03-23
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.