davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (CA)

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion authorization to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 


Warm Regards, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Services ; is trying to collect a debt that's not mine. Capital One had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; Capital One then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, capital one understand that's its ID theft also ....
Consumer complaint received 2024-02-23
Product: Credit reporting 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)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discriminationXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
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. (FL)

XXXX has listed a car loan I had with them as charged off and I paid the full amount owed. The car was totaled and I had full coverage with gap insurance XXXX was my lender and my insurance company after my past husband totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my daughter homeless a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a monster of a company causing me much grief and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a XXXX victim of theirs
Consumer complaint received 2023-01-15
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. (IL)

XXXXXXXX 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  AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For the last three days after updating my new address and phone number I can not use my debit card due to " Fraudulent activity " there is no fraudulent activity all I'm trying to do is spend my money I've talked to the bank three different days XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX had my account verify on the XX/XX/XXXX made the bank aware I would be spending a good amount of my money in my checking account before hand. The Bank reassured me that they were aware that I would be spending some money right after I got off the phone I would be buying supplies due to the pandemic and food which at this time I have not had any for a while a few hundred dollars worth of supplies and food they said yes do it we have it noted on your account, I then shop, buy, then check out to be accused of fraudulent activity by the bank via electronic transfer Today the XX/XX/XXXX I am told that they can't do anything about that fraudulent activity notice to just keep trying to use my card different places till it works and they would send me a new card within 10 days. This is a pandemic i don't have money I have XX/XX/XXXX of the XX/XX/XXXX I can not leave my home I'm in XXXX oh yeah and that I am XXXX with XXXX XX/XX/XXXX to where I can't even go out normally without assistance this is why I virtually bank Very unprofessional I've talked to over 12 people the last three days working for this Bank.they 're all aware that I will call them if there was any problem with my card because I have been calling them about my card to just all this to come about because I updated my address and phone number due to a move which is being displaced I have been displaced due to the pandemic so guess it's just unreal that they can not do something about this for 10 days they can't hurry up and get something to me knowing I have no food they just can't help me no more they can't do nothing for me.so this pink is going to let me go without food or supplies needed supplies I'm not talking about just supplies I am talking about I needed supplies due to being in quarantine that I can not get my own money out of their Bank with the debit card that I've had for a while from their Bank do to change my address 80 point news XXXX XXXX i d i can't give him a current ID because the DMV in California is not open to just anybody I have numbers from the DMV showing that I have been contact with them I have applied for an ID I was turned down on my appointment date at the California DMV due to social unrest in the pandemic to go back three more times to not be able to go inside the DMV I have a work ID that's not good enough for from the city of XXXX public library they act like a library card no it's a employee ID from the city of XXXX for the public library like I keep telling them which has my picture on it name on it. It works better than a California ID anywhere
Consumer complaint received 2021-01-08
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: Experian Information Solutions Inc. (IL)

I submitted a compliant against Experian on XXXX and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

Complaint ID : XXXX
Consumer complaint received 2022-01-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-11-30
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: FIRST NATIONAL BANK OF PENNSYLVANIA ()

This is an issue with my XXXX credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my XXXX app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from First National Bank ( FNB  ) as usual ; sent an email to XXXX  inquiring about this issue XX/XX/XXXX - received email from FNB that mortgages are in good standing and have been reported ; told to use the credit section of my FNB app to sign up for credit reporting through XXXX XXXX XXXX XXXX', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with XXXX ( XXXX ), also filed a dispute with FNB ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called XXXX again and told by XXXX that FNB is not reporting ; that XXXX can not assist me ; dispute was useless XX/XX/XXXX - sent email to XXXX customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by FNB mortgage representative ( XXXX ) that XXXX refuses to report ; told this is affecting all FNB customers yet the FNB mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called XXXX again and was told that " what is showing is reflecting what FNB is reporting '', yet the other two reporting agencies of XXXX and XXXX are both showing my FNB loans ; XXXX refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from FNB mortgage department ( XXXX ) stating they had just received an email that XXXX 's reporting should be " turned back on '' by Thursday, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for two weeks. I have documented this in writing to both companies. Someone is not telling me the truth.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check to my bank at XXXX XXXX the another check was a check from Chase I deposited it and the funds were cleared in my account the next day so I am an emergency and I started taking the money out after I started taking out the money I got an email saying it wasnt going to cleared until the XXXX of XXXX okay I called the bank and they said that I have to go to Chase and see what was going on I did the lady that helped me told me theres nothing she can do it was a fraud check I didnt know what now what can I do she told me that I had to paid the amount back I ask her if she can help me and she told me no so please help me please
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

We were sent a collection letter in regards to a credit card from Old Navy that my wife and I have no recollection of opening and have never received a bill or notification of an overdue bill. When I called the collection agency XXXX XXXX XXXX XXXX, LP ) concerned about ID theft they said to call XXXX XXXX. I did call and they said that the card was open as an " online '' account and all bills would have been emailed only. I have gone back through my email and can not find any XXXX XXXX bills. Seems very predatory that they sent my debt to collections without ever having sent any notification etc. I can not go back very far in my spam/trash as it disappears after a few months but it doesn't seem right that they now have me on the hook for XXXX. I had to request a paper copy be sent of the charges and just received today, XXXX charge of XXXX made on XX/XX/23 that we have no recollection of purchasing as we have another old Navy credit card that we purchased everything with! We never carry debt and pay off credit cards monthly to XXXX balance and now this will wreak havoc on our credit score not to mention it feels very disingenuous to say they emailed us a bill ( which we never saw ) and charged crazy month-over-month fees!
Consumer complaint received 2021-06-23
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. (TN)

I am a victim of Identity theft. I did not make these these charges indicated with the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates (TX)

On XXXX a debt collector : XXXX XXXX Commercial Account Specialist Hillcrest, Davidson & Associates L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ext. XXXX Direct XXXX Office XXXX Fax www.hillcrestdavidson.com Started texting me threating to subpoena myself and my ex-wife over a debt I have no knowledge of from a company associated to me previous to my divorce. After harassing text the calls started. Over and over again i was contacted even after I asked the debt collector to stop contacting me. Then over and over the debt collector contacted me using my address book to generate call from numbers I know but actually the debt collector was pretending to me my Mother and others in my contact book. I recorded all the calls, texts and false numbers. I have an app that shows where the real call is being generated and even though the number show people in my contact they all come from that debt collector. I have filed a police report and hired an attorney but the debt collector refuses to stop communicating, falsely impersonating my contacts and threating to call my friends and family to quote " tell them im a degenerate '' and other terrible things. I have recorded audio, images and video proof of my claims.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (NV)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I have an AMERICAN EXPRESS card I bought at rite aid for the purpose of buy gifts online there was a few purchases I didnt make but my problem is that I have yet to receive anything I made these purchases starting the beginning of XXXX
Consumer complaint received 2022-11-07
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. (GA)

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 demand to be deleted immediately 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 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 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 2021-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Why is Equifax and XXXX XXXX so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

The mortgage company SunTrust has a site to pay your mortgage one can pay extra money on the mortgage principal the problem is their site doesn't work. You can call in and pay the exact amount or wait forever for a phone agent. This I believe is all to charge as much interest as possible. They need to be investigated.
Consumer complaint received 2022-05-01
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 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 an account without my written instructions
Consumer complaint received 2022-01-15
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.