davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

It appears that in retaliation for complaint number XXXX filed with the CFPB, that this bank has retaliated against me by turning my cash rewards card into what it labels as a custom cash rewards card, where I have no status with the bank on any of my accounts. And they have completely XXXX my ability to access the cash back deals section of their website. This is in retaliation for the complaint it seems. It should be noted here, that when Bank of America finally responded to the original complaint and said it needed more time, it knew at that time that my credit card was at risk of further fraud, as is evidenced by its receipt of the information and responding to the CFPB by asking for more time. They were fine with leaving my credit card on and subject to more fraud. And then after that they started declining my purchases at every single place I go to, including stores that I frequently go to while they still have bot honored the fraud claim. So theyre just enriching themselves and retaliating against me. They should be refunding my fraud claim but they wont and now they are retaliating. This is a new complaint about the retaliation.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-07
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)

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX  is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Consumer complaint received 2022-08-21
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. (LA)

Please make appropriate corrections reported as late payments on XXXX XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as XXXX XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with XXXX directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Edit this section What happened? 

On XX/XX/XXXX I filled out an application on XXXX XXXX for a {$5000.00} loan for the XXXX XXXX. They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touched the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to Spring Oaks Capital for {$470.00} but Spring Oaks Capital can not produce any documentation with my signature on it. I called them to dispute the ownership of the {$470.00}. When I look at the credit report Spring Oaks Capital LLC says this loan came from XXXX XXXX on XXXX XXXX when it came from the XXXX XXXX. I have never done business with XXXXXXXX XXXX before. I have been fighting with them for over a year to get this taken care of. Neither company can give me a copy of the original contract for the XXXX XXXX.
Consumer complaint received 2022-09-21
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. (TX)

Hello yes I talk to someone in the fraud department from Experian on the date of XX/XX/XXXX. The only reason for me contacting Experian is that I noticed some old addresses, employers and also collections with hard inquiries that are unauthorized without my consent. So I asked them on XX/XX/XXXX to simply remove the old addresses and dispute a few of the other items since the addresses were incorrect. They explained that they would contact me in 30 days and to also let the changes take up to XX/XX/XXXX hours to show results. I have been checking my file and I dont see any changes at all.It would be extremely helpful to be able to see my entire credit file but they dont allow that .While on the phone with the agent yesterday I explained the trouble it is of not being able to review the entire credit report .If I cant see the report how will I be able to handle this issue accurately and appropriately to prevent me and them from making future mistakes they want us to upgrade our subscription for XXXX a month to be protected against fraud and review the entire credit file accurately.This is absolutely unacceptable and they are in violation of code 1681c-2 block of information resulting from identity theft. And also 1681n.Civil liability for willful NonCompliance, Congressional findings and statements of purposely incorrect information from the reseller and Credit Company.They either need to delete these accounts and collections
Consumer complaint received 2022-07-29
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. (PA)

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

Amsher collection service account is on my credit report and it has not properly validated the debt according to the FDCPA. I contacted the original creditor XXXX XXXX  they agreed to remove the account but said it was owned by XXXX. 

Both Amsher and XXXX collection agencies are trying to collect on the same debt. I would like Amsher collection to be deleted from all three of my credit reports immediately for violating my rights.
Consumer complaint received 2021-02-22
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: TD BANK US HOLDING COMPANY (PA)

TD BANK N.A. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with TD BANK N.A. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD BANK N.A. for review or collection.
Consumer complaint received 2022-02-18
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past XXXX Days before but I still didn't receive anything from Equifax. Per XXXX, without any response for XXXX  Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2021-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus XXXX XXXX and Transunion. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE CLOSED MY CREDIT CARD ACCOUNT WITHOUT WRITTEN NOTICE AND HAS REFUSED TO REOPEN THE ACCOUNT OR REFUND MY LARGE REWARDS BALANCE ( 28110 POINTS VALUED AT {$280.00} ). I TRIED TO RESOLVE THIS WITH THE COMPANY BUT WAS TOLD IT IS THE POLICY OF THE COMPANY TO CLOSE INACTIVE CARDS. I ASKED FOR PROOF OF WRITTEN NOTICE AND WAS TOLD BY XXXX AGENT IT WAS EMAILED, THEN BY A SUPERVISOR IT WAS MAILED. I RECEIVED NOTHING BY EITHER EMAIL OR MAIL AND REQUESTED THAT THEY REFUND MY POINTS OR REOPEN THE ACCOUNT SINCE I BELIEVE IT WAS DONE IN ERROR. I WOULD LIKE THE ACCOUNT REOPENED AS I HAVE EXCELLENT CREDIT AND MY REWARDS RESTORED. I HAVE MULTIPLE ACCOUNTS WITH CAPITAL ONE AND FEEL THIS WAS DONE TO CHEAT ME AND OTHERS OUT OF MY REWARDS BALANCE. I HAVE SEEN THIS REPEATEDLY SAID TO OTHERS IN COMPLAINT FORUMS ONLINE. THE BANK SHOULD HONOR THE DEBT AND STOP LOOKING TO CHEAT HONEST CONSUMERS.
Consumer complaint received 2022-06-10
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. (PA)

Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
TRANSUNION inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - & XXXX XXXX XXXX : XXXX  XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-08-21
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: Affirm Holdings, Inc (GA)

Somebody fraudulently opened an account in my name. Get this off of my credit report. Affirm Inc. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX THIS IS FRAUD. THERE IS A XXXX FREEZE ON MY CREDIT FILE. HOW DOES THIS XXXX GET PAST THE BUREAUS?! Unbelievable.
Consumer complaint received 2022-08-21
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. (FL)

My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
XXXX, and Experian 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 15 USC 1681 : I have the right to privacy and accuracy I did not give XXXX and Experian written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (NC)

I have applied for this XXXX card not once but 4x in the last 6 months. Everytime I get the same error message saying they are unable to very my identity which doesnt make any sense. They even linked and verified my identity thru XXXX and I even received a confirmation that my bank account has been verified also Creditkarma guaranteed if not approved I would get {$50.00} back which is a lie now theyre saying they cant issue me any money for my denied application
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-05-30
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case