davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have couple of issues, ( Transunion ) I have a debt with XXXX XXXX that I never opened, A personal trainer fraudulently signed me up for a membership in a attempt to collect a commission, I DID NOT SIGN A MEMBERSHIP WITH VASA I WANT THIS OFF MY CREDIT!, I also have a collection for a insurance policy with progressive that I canceled and moved the day the policy expired, I paid my premium monthly ( this is documented ) monthly installments are canceled if payments aren't received so there's no way to have a outstanding balance, this XXXX collections company doesn't care about this because they've invested money purchasing the debt so they are insistent about collecting in spite of the debt beginning illegitimate. Transunion doesn't care about this issue as well .... I assume my I low credit score and rating are to blame I'm not a real person as far as they are concerned so why take the time to handle this issue, simply put its economic racism " low credit score lives matter! '' Issue # XXXX I had XXXX run a dark web scan with my ssn and DL and there are inquiries and other credit issues all over the country that obviously I'm not responsible for so I froze each credit file but my name, ssn and DL have been seriously compromised and I'm not sure what to do any advice would be greatly appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies :
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc (MI)

I hello I sent an email to XXXX  on XXXX XXXX that gave my number to the debit collection agency Me and my aunt who was on the lease let them know that we was trying to pay the debt off the lady on the phone with the collection company I was trying to pay it off but she gave me a fake email to a dispute department that never emailed me back or called me back this was on XXXX XXXX after this my aunt received a letter in the mail say she didnt have to pay the balance this she received that paper back in XX/XX/2021 but they are still pursuing me even after the disputes they garnished my account XX/XX/2021 I have XXXX kids XXXX, & XXXX I have to take care of and I can barely take care of them by myself since covid 19 hit I receive food stamps an Medicaid for myself and my kids the money they took out my bank put me more In debit they never told me I could do a dispute I would have been able to pay 10 % I told the lady over the phone this before she gave the fake email I also sent an second email I attached all the emails to this letter
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX # 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 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2022, I applied for a Navy Federal Credit Union. Navy Federal Credit Union denied me an extension of credit for a few reasons. Which included my internal proprietary Navy Federal credit score/credit report and the information found on it. Which in fact is a credit scoring system. According to the Equal Opportunity Act, it is against federal law to proclaim an adverse action against a consumer for these reasons. Navy Federal has violated my federally protected consumer rights. Navy Federal should resort to reasonable procedures to rectify this matter, also, for the use of my social security number in which I received no benefit.
Consumer complaint received 2023-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

Inaccurate account on my credit report, XXXX  XXXX XXXX has canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb. Delete XXXX XXXX  account now. Vital for my well-being and livelihood, ensure accurate credit report
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

A XXXX  credit card with a balance of XXXX $ was opened in my named I have filed with federal government XXXX has not responded and to phone call nor will they provide any information XXXX XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I applied for a Capital one silver card. Capital one denied me an extension of credit for a few reasons. Which included my credit report and the information found on it. According to the Equal Opportunity Act, it is against federal law to proclaim an adverse action against a consumer for these reasons. Capital One has violated my federally protected consumer rights. Capital One should resort to reasonable procedures to rectify this matter, also, for the use of my social security number in which I received no benefit.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX # 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 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (CA)

I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. 

I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. 

I have submitted a police report to the company and nothing has been done about it.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank/Paypal Credit is charging me for disputed charges from a merchant ( XXXX XXXX ) of {XXXX}. I never received the item and the merchant was made aware of this and indicated a credit was going to be applied back to my account. The credit card company has not confirmed any credit having been applied back to my account and infact has re-charged me for the disputed amount. The merchant indicates they did credit me back and to deal with the credit card company. I need immediate intervention by the CFPB as what has occurred is a clear violation of my consumer rights as I have provided copies of all correspondence from the merchant regarding the credit being due and being submitted to Synchrony Bank yet they have still continued to charge me??? Need this resolved immediately as they are again billing me for these charges and will assess late/finance fees if payment is not made... I am not going to make any payment and trust you will give this your prompt attention. Thanks. XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX # 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 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My fha loan has been in forbearance and I have never had any late payments. My credit report shows no payments resported during the forbearance time, however now that the forbearance has ended its showing Im 180 days late. That is incorrect.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I attempted to purchase my leased vehicle from the dealer earlier in XXXXThe dealer presented me with a so called " purchase agreement '' which included Over {$1200.00} in fees in addition to the payoff of the lease.Their representative said they were facilitating the sale as a courtesy to me and the fees were for " paper work '' the dealer had to do.I contacted the title holder and they agreed to send me the title to my vehicle for just the payoff amount with no extra fees included. The dealer also wanted me to finance the inflated sales price with their finance company.I believe the fees charged were unwarranted and excessive and that this practice is fraudulent, predatory and illegal.I complained to the dealer and the lease company but to date have heard from neither.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (IL)

On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX  Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years. 

It is now XX/XX/XXXX almost 3 months after the date and I have yet to hear anything and I have not received my money back.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (FL)

Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?
Consumer complaint received 2017-09-06
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. (GA)

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Consumer complaint received 2017-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX 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 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. In the attachments i uploaded the documents of me send them documents certified mail. and they have yet to comply
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX Collections XXXX Account # 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 with written instructions.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was charged twice for the amount of XXXX which in total amounts to XXXX dollars on XXXX XXXX 2022. Because I am travelling and dont have a U.S. phone number I cant get a response from the bank. The time frame to report a fraud claim is 60 days. I did not make these transactions. What can I do?
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (MD)

I received two notifications that I was being sued by Klima, Peters & Daly P.A. for debts they claim are owed to XXXX XXXX supposedly on the behalf of XXXX XXXX. The hearings are scheduled for XX/XX/2022. On XXXX separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys two written requests ( for each case ) for this information ( one on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX XXXX  and the right to defend myself when being wrongfully sued. 

Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.
Consumer complaint received 2022-02-28
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. (NJ)

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Consumer complaint received 2022-05-04
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. (TN)

In accordance with fair credit reporting act XXXX XXXX XXXX  account number 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 a account without my written instructions
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.