davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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. (TX)

XXXX XXXX XXXX  XXXX  account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. XXXX XXXX XXXX XXXX account is VIOLATING The HIPPA Acts of XXXX by providing and disclosing personal information to XXXX & TRANSUNION. This is a violation of my consumer right to privacy by having XXXX XXXX XXXX listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this.

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.
Consumer complaint received 2020-10-16
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. (TX)

: XXXX XXXX Dispute this Social Security Number : XXX - XX - XXXX Show Dispute this Date of Birth : XX/XX/XXXX Dispute this ADDRESS INFORMATION Current Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX FM XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this OTHER IDENTIFICATION No information available on file. 
OTHER NAMES Name : XXXX XXXX XXXX Dispute this Name : XXXX XXXX Dispute this EMPLOYMENT INFORMATION Last Reported Employment : XXXX   XXXX XXXX XXXX Dispute this Previous Employment : XXXX XXXX XXXX Dispute this Previous Employment : XXXX | XXXX Dispute this ALERTS names and address not mine inquires XXXX  XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this
Consumer complaint received 2021-01-26
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. (OH)

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These Addresses have been disputed, With Equifax but they are continuing to to show this information on my credit XXXX, XX/XX/2021 both time they have provided me with the results as deleted but still is showing address that do not associate with me i demand these address be permanently taken off my Equifax report.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

i have checking account with XXXX XXXX XXXX account i have stolen checks and cashed XXXX XXXX didnt do any thing for me finally i got my stolen cashed checks copys and i was informed that pnc bank is the cashing bank and name on checks is XXXX XXXX i dont know this person and i dont have account with pnc so my checks was cashed and not my wrigting or my signature on it i think pnc should get my money back from the account was cashed in there bank thank you
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Brookshaw Management, LLC (TX)

I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more " news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing " Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign " Certified mail ''
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I was speaking to someone on the phone about purchasing tickets and I sent him money for the tickets as we were talking he hung up and I could get ahold of him. I contacted XXXX immediately about this to dispute and hopefully reverse the transfer. I filed a police report and chase told me they could n't help. I gave this person {$210.00} and will never see it again and XXXX was of no help.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to review my consumer report from Transition on XX/XX/2022. I have looked on credit check total and when I click on transition it says that the consumer report is unable to be viewed. Then I went to XXXX XXXX to review my consumer report with Transunion and it said I could not view my consumer report Transition. I spoke to a rep in XXXX XXXX  and was told that there is a fraud alert on my consumer report for TransUnion. I called TransUnion on XX/XX/2022 and spoke to a rep about how I could not see my consumer report and I wanted to take the fraud alert off of my consumer report. The rep took my information and told me that I have to send in a letter stating I want the fraud alert off. I sent in my letter via standard mail to transunion XX/XX/2022. I received a letter from TransUnion XX/XX/2022 saying that the fraud alert was lifted, but I still can not see my consumer report.
Consumer complaint received 2020-10-16
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. (NV)

XXXX, XXXX, and Experian are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Riverwalk Financial Corporation (SC)

Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One in XXXX XXXX XXXX, UT XXXX made XXXX hard inquiries to my credit in the last 10 months as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not request credit from Capital One during this time period and this has affected my credit rating. I requested they remove the inquires and stop making inquires but have received no response.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

EquifaxFRAUD FLAG Yes No NoYOUR STATEMENT FRAUD VICTIM. " EXTENDEDALERT ''. CONSUMER HASREQUESTED AN ALERT BEPLACED ON THEIR CREDITFILE. CONSUMER DID NOTPROVIDE ADDITIONALINFORMATIOfraud Alert on my credit report incorrect
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MN)

We had alarm service on our home in XXXX that was paid via automatic bank withdrawal. When we sold the home in XXXX, 2018 we notified XXXX company several times to terminate service. The automatic withdrawals continued until we finally directed the bank to stop them. Then, the XXXX company started sending monthly Bill 's to our new residence in XXXX. Each time, I would politely remind them that I had terminated service many months ago. Now they have turned us over to a collection agency. The alarm system wasnt even working because the house was broken into an robbed before closing without any alarm being raised.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank re-orders transactions to allow their systems to charge overdraft fees. Additionally, Chase uses unfair business methodologies to charge fees to their customers and make poor situations worse. I was charged over {$2300.00} in fees in XX/XX/XXXX and over {$800.00} in XX/XX/XXXX, Recently, an ACH transaction was initiated to pay XXXX XXXX was returned and a " returned transaction '' fee was applied. About 5 days later, XXXX XXXX re-presented to the transaction for payment and it was paid by the bank ( with a lower balance ) at this time and a second fee was charged to the account. Chase also has charged fees for XXXX as " recurring transactions '' when they are truly point of sale. Many fees have been charged for small transactions of less than {$10.00} and multiple fees assessed. This is not fair to any customer.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Since XX/XX/2024, I have received repeated fraudulent charges on my citibank checking account/debit card from XXXX XXXX XXXX I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. 

On approximately XXXX  times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally XXXX of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges approaching {$2000.00} in total. And each time they promise a provisional credit, but I never get XXXX. And each time I call back, they seem to have no record of me calling the prior time. 

Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NJ)

a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Consumer complaint received 2020-10-16
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. (NV)

XXXX, Transunion, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (LA)

This company reinserted previously deleted information from my file that is a identity theft account from XXXX XXXX XXXX that is a credit card that I did n't open. They are breaking FCRA laws by doing this and I suggest the CFPB take legal action agianst this company they are trying to just make money. I 've been a victim of identity theft and they are not worried about that at all. I would like this account blocked permanently from my file as I included it in my FTC fraud identity theft affidavit that shows this account listed which i have attached with this complaint