davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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: EQUIFAX, INC. (VA)

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 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report XX/XX/XXXX and I found 5 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 


1.XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4.XXXX  XXXX XX/XX/XXXX 5XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2018-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION (NM)

I completed online loan inquiries and received a response from XXXX XXXX XXXX, phone number XXXX. When I contacted above number and was finished with the verification process they started talking about getting my credit card info for a verification and then I would be able to get loan. I asked why and he gave me a response that did not make sense. I told them I wanted to cancel application and they have my information so I don't know what to do. They sent me emails with XXXX XXXX XXXX names, information, and legit looking documents. When I called they answered with XXXX XXXX XXXX as  well. I don't know if this is legit XXXX XXXX XXXX but if it's not they have all my information from the verification process I did.
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2018-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (OH)

I received a letter advising me that Caine & Weiner had acquired a debt in my name. I immediately respond by USPS that I disputed the debt and I requested that they send me an itemized statement so that I could/could not validate the debt. I was NEVER provided with anything, I was also never contacted again and only found out this debt was still active when I received an alert from my credit file.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.
Consumer complaint received 2017-11-09
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2022-09-15
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. (DE)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to the 15 USC 1681, I have the right to privacy and did not give Equifax written permission to to furnish these accounts : XXXX XXXX account # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NC)

I was approved for a credit card with promotion but not knowingly denied promotion. At no time during the application or approval process I was informed I would not receive the promotion. I tried to proactively inquire when I was notified I was approved but the representative stated she did not have that information and would be available when I got the card. Needless to say I have no use for a new credit card with 15.99 % interest. I would have declined.
Consumer complaint received 2019-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2017 I contacted Capital One Bank to discuss investigating a payment that did not appear to have post to the account in question nor was the payment reflecting in the outstanding balance. The purpose of this payment was to bring the account to a zero balance. Capital One Bank, on two prior occasion mishandled payments that was sent to them but they quickly corrected their error after I contacted them and expressed my concerns. However, in this situation Capital One Bank was unable to find their mistake and left me without answers or resolution. Subsequently, being left without an explanation of their error or provided with a commitment to apply the payment and adjust the balance accordingly, I decided to ask that the account be audited and verified. Knowing a payment was made to Capital One Bank, which did not get credited to the account, but was kept by the Capital One Bank is disproportionate, unnerving and detrimental to all consumers whose objective is to repay their creditors. I have attempted to resolve this matter by contacting Capital One Bank on XX/XX/2017 requesting that the account be properly audited and verified. The response I received was nothing more than printed monthly statements which I believe only exacerbated the problem. The information provided by Capital One Bank did not provide a solution or root cause of the problem as an audit of the account would have provided which is what I requested. I wish to file a formal complaint against Capital One Bank as they continue to forcefully request that I pay monies to them and they have not provided proof to their claim of debt.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

CHEXSYSTEMS Consumer ID : XXXX XXXX  XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. 

After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. 

But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. 

I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. 

I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. 

It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. 

I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-21
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2018-11-08
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)

I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX is identity theft fraud but The company call me XXXX  and make fun of me I tell the company they not do anything I already put in a arbitration case against them
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

This is a follow-up to CFPB Ref No : XXXX-XXXX. In their response, American Express stated that " we found that the representatives with whom you spoke provided you with incorrect information about the offer associated with your account '', yet provided no reason why they had incorrect information. I believe this is because my account is showing I am eligible for the Free Weekend Night, but American Express is refusing to provide it. Additionally, American Express has not provided the cardmember agreement which stated the terms of my bonus. I've attached a picture of the offer I signed up for to verify my claim that the offer included a free weekend night.
Consumer complaint received 2018-11-11
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: JPMORGAN CHASE & CO. (LA)

XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX criminal trespassing XXXX  XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX . Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was XXXX XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. Weve enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX , IXXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (NC)

I have never had XXXX and recently a bill showed up on my almost perfect credit report as in collections, I tried numerous times to reach out to the collections agency and file disputes for the item, and both types of attempts failed. I then gave in because Im trying to buy a house, to settle the debt to have them remove it from my credit report. Waypoint Resource Group made me pay the money even after I told them it was not my debt and knowing that they were not planning on removing it from my credit report. It is unfair that a debt that is not mines is negatively affecting my credit report and I would really like it removed. PLEASE HELP!
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE Neiman Marcus THERE IS A Neiman Marcus STORE CARD OPENED UNDER MY NAME WHICH IS FRAUD ACCOUNT I NEVER APPLIED OR OPENED THIS ACCOUNT AND THEY WILL NOT REMOVE IT FROM MY CREDIT REPORT I HAVE SENT THEM MY POLICE REPORT FOR IDENTITY THEFT AND THEY ARE NOT REMOVING IT
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (PA)

I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Yet another dirty trick by Capital One. They have since corrected my report showing my card as " charge off '' but reporting it as " OK '' to lengthen the negative impact on my credit report. Now I see that this charge off is building up interest and now on my credit file as " charge off '' and " over the limit '', and still open earning interest which is the reason I'm over the limit. This account does not follow the FCRA.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.