davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. 

However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. 

The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. 

I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated.

********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. 
My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. 
Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Purchase Date : XX/XX/XXXX XXXX XXXX  Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX
Consumer complaint received 2022-09-02
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. (NC)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I ut a disput in to Wells Fargo equal around to XXXX but it not was two separate charges the im question is XXXX the bank issued a temporary credit then 120 day later they did a credit reversal so now im negative XXXX this was a charge from a company called XXXX XXXX XXXX  they got shut down by the Ftc service werent not rendered but bank is saying they couldnt collect on the he money when the ftc clearly said the asset are frozen for refund the consumer sowhy didnt well fargo contact the ftc to get the money back i give them the agreement that service wont render and because they revsered the charge isnt right
Consumer complaint received 2022-11-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-02
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. (MO)

I am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-02
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The following have violated my rights : -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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-29
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 11 XXXX XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Consumer complaint received 2018-11-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018, I sent a letter to Experian asking them to verify that the US BK CT-XXXX XXXX MI was reporting to them on my credit report, which they did. The courts do not report directly to the credit bureau about individuals credit, therefore, making the information invalid.
Consumer complaint received 2022-09-02
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX5 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 consumer reporting agency can not furnish an account with my written concern.

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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} SELF / LEAD XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION (GA)

To whom it may concern.

I am having trouble with Renasant Bank XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Branch Manager. ( I am dealing with XXXX ) Our XXXX  XXXX  just elected me as XXXX and I need to change control of the checking account over to myself. I called Renasant Bank and asked what document they needed to change. They indicated that a copy of the State Registration showing the change of officers and a copy of minutes of the meeting indicating the change of officers were needed along with my IDs. All information was provided. Now they are refusing to make the change until we hold a special meeting to specifically vote on whom to take off the bank account and whom to add. This is unacceptable.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have submitted several request for validation and verification of inaccurate accounts on my Equifax credit report. Equifax states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Equifax has ignored my request. Equifax still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2022-09-02
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Take a look at the inquiries and verify the dates and the names of the creditors. I think this may be a mistake and if what I assume is right then I believe you should delete these from my credit report. I highly request that you take the time to check and verify them since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing