davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # XXXX, both of these creditors 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 2018-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / XXXX & Experian ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / Experian & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as XXXX XXXX Experian always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On X/XX/2017, I went on to https : //www.transunion.com/ to find a means to access my TransUnion credit report . I was prompted to create an user account on https : //www.transunion.com/. I was notified through email that I had signed up for a credit monitoring service for {$19.00} per month excluding taxes. In total, I was charged {$21.00} per month including taxes. During the account creation process, no mention of signing up for the credit monitoring service was made. Upon finding out this erroneous charge, I looked to cancel the credit monitoring service. I was able to cancel the subscription service within minutes. However, I was still billed {$21.00}. I am seeking a full refund for this fraudulent charge of {$21.00} and will be writing to my state 's Attorney General 's office about TransUnion 's misleading and predatory account creation process.
Consumer complaint received 2019-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Telephone Companies I ordered service in XXXX and they put three inquires on my report for the one time order. This is unacceptable. You can not reach anyone at XXXX to try to solve this matter. I have called and just get shifted around
Consumer complaint received 2019-02-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CADENCE BANCORPORATION (TX)

On XX/XX/2020, I immediately applied for line of credit, PPP, sba loans, grants and any money I could access since I had to close my XXXX XXXX   of 15 years, I hoped for only a few months. I help consignors, communities, XXXX patients, elderly, battered women, children shelters and the Endangered monarch butterflies showing and assisting women how they can start over in life. I have received NO help whatsoever. Please, someone help us. Please.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
Consumer complaint received 2023-01-12
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-25
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. (CA)

XXXX  ; Experian and XXXX  are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX XXXX   XXXX XXXX and XXXX  - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.
Consumer complaint received 2019-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had an auto loan through Capital One Auto Finance Beginning in XXXX around 1 year after I had my SSN changed and called Capital One Auto Finance to make sure records were correct of this change. 9 months after letting them know and making my payments on time, more than amount needed and ahead several times. I go to their Web site as usual to make a payment and the account was not there. I then called Capital One Auto Finance they had told me they cancelled the account because they thought I was being fraudulent. They called SS Administration office with me on phone and they told them my info was correct. Now Capital One Auto Finance over 2 years ago said they would be fixing this and reinserting the correct and all of the credit info and payments back to the Credit Bureaus I gave them after going round and round with them over 90 days to fix it. Now after 2 years this date of XXXX they tell me they need another 30 days. I am done they had over 2 years they refuse to fix this. I paid my car off in full. They have severely hurt me financially.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (VA)

I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2019-11-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (VA)

This company Reliant Capital Solutions has attempted to collect a debt located at XXXX XXXX XXXX XXXX XXXX, XXXX has performed shady practices to attempt to collect a debt without due process. They immediately informed my employer to deduct the amount of monies from my wages through a garnishment when I rejected their offer and do not have a contract with them. 

Now as of XXXX they have told my company XXXX located at XXXX XXXX XXXX XXXX located at XXXX Virginia XXXX to perform the wage garnishment to collect on someone else 's behalf that Reliant Capital Solutions has brought to collect and failed to produce the contract that states I agreed to it when I have not agreed to any of their contracts or for their services at all. They have asked my employer XXXX to perform the wage the garnishment which I informed in writing via certified mail to Cease and Desist their actions which they have not and its causing me a great deal of hardship.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (PA)

XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan
Consumer complaint received 2019-11-08
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 (GA)

XX/XX/2019. At XXXX location I tried to make a purchase. Their payment system was down. I will attached a picture if that. The card that I was told was not used was a Capital One. By beginning of XXXX, 2019, XXXX illegally took fonds from this account, all together about {$630.00}. I immediately closed the account, moved from XXXX to XXXX  XXXX and asked Capital One to reimburse me. I had more than one conversations with XXXX, they have not fulfilled their commitments. I also had multiple conversations with Capital One. On XX/XX/XXXX I have received an email from a worker at XXXX that had access to all of our info. Everything will be attached. After reimbursing the money Capital One stated that something doesnt match. And XXXX, who did not even bother to read all the documents submitted to them, told me that he is the highest in charge and I need to take the issue to XXXX, and there is absolutely nothing he would do for me. after I submitted a super long chat between XXXX and I, where XXXX is lying and presenting false data. This is a scam.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

A couple of automatic debits from my wells fargo checking account are preventing me from managing my account as i normally do. 
Ive removed both of them from accessing my account in the future, & although i deposited enough funds in my account within 24 hours of when the transactions appeared online as pending, wells fargo has for 2 months initially charged an insufficient funds fee which not only ties up my funds preventing me from meeting my minimum 10 uses of my atm card needed to avoid the checking monthly service fee, it also causes other automatic transactions to cause additional insufficient funds fees. Wells fargo is circumventing the grace period i normally utilize to manage my accounts, by claiming that these transactions are approved a day before they even appear as pending online in their system. 
I would deposit the amount needed to cover the insufficient funds fees, hoping that with the overlap of transaction dates the associated fees will self resolve, but i must pay rent instead & do not have that luxury. Because my funds last month were unnecessarily tied up for several days I also failed to meet minimum requirements necessary to avoid charges for my wells fargo savings account & for the first time was charged that service fee. That account balance is now below zero as a result. I rely on text/ email notifications as wells as closely monitoring my accounts online & still can not avoid penalties using the tools they provide. Whats wrong with this picture? Account now is nearly {$60.00} in the red due to fees.