davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AR)

On XX/XX/2023, I was attempting to make a payment online to my aspire account. I noticed that my available balance was not reflecting the correct amount but I proceeded to make a payment. Upon paying down my balance I thought that I had accidentally made XXXX payments which prompted me to call into the customer service line. During that phone call with a representative named XXXX I learned that my account was actually in collections with no notice given to me. Upon further review, I learned that my credit limit had been lowered, I learned that my account was no longer active and I also learned that while my account is not active and in collections I was charged a {$25.00} authorized users fee when Im not even authorized to use the card per XXXX. I was confused about this so I asked to speak with a manager by the name of XXXX. Upon talk to XXXX I learned that my account was actually locked due to fraud activity and that if I made a payment that customer service could unlock my account. XXXX couldnt explain ther service fee, he could tell me why I got a Thank You For Your Payment prompt online though he wasnt seeing the XXXX payments of {$280.00} that I thought I paid and that if I called back tomorrow customer service could reactivate my account. Ive had friends tell me that they have had some fraudulent charges placed on their accounts that they had to dispute and have removed and so I would like my concerns to be investigated further because Im uncomfortable with the additional fees if my account is in collections and not active, the fact that Im not receiving any notice of whats happening with my account or the credit limit decreases, no one was able to further explain the status of my account even though XXXX is a manager and the fact that my account was supposedly closed for fraud months ago before the account was sent to collections and I was charged a {$25.00} fee for a card I can not use currently.
Consumer complaint received 2022-11-19
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX ( orginal XXXX ) at # XXXX XXXX -- XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX XXXX XXXX Act # XXXX XXXX -- XXXX XXXX XXXX # XXXX XXXX -XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-04-13
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. (MA)

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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX and Ive been with capital one bank for almost three years every time i make a purchase they lock my card and when i verify who i am they make me verify more and more i have done everything as far as verification and they still want unrestrict me i see it like this if u ask me certain things about myself and i answer correctly aint that verifying myself i just wan na use my card and if i said nothing fraud is going on i want to be left alone its my card and i have a united states right to use it how i want especially if i have a major credit line i just dont get the hassle
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

On XXXX, I applied for a XXXX XXXX card. It was declined. On XXXX, I received a letter stating that I had a XXXX credit card ending in XXXX. In the letter it states that I have an XXXX card in XXXX that was delinquent and past due. I DO NOT have an XXXX card with that account number. My XXXX account is in good standing. I feel that I am being discriminated for whatever reasons. All my accounts have been in good standing credit card wise.
Consumer complaint received 2022-08-22
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. (NJ)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-06-27
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)

Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all XXXX bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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. (NY)

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.
Consumer complaint received 2022-07-11
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. (AZ)

I reached out to EQUIFAX to dispute information on my credit report from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an eviction on XX/XX/XXXX with the XXXX XXXX XXXX XXXX and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX housing, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

XXXX XXXX then submits a report to XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX XXXX XXXX when they evicted me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Consumer complaint received 2022-06-20
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. (MN)

in accordance with the fair credit reporting act XXXX  accountant # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 accountant with out my written instructions
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my Experian credit report and found the following item to be in error. 

The following address does not belong to me. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. 


With all three bureaus reporting different information for the balance, high balance and Account Numbers, I am unsure of which is correct. 

These reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is your responsibility to report consistent and most importantly accurate information.You as the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Our minority based business for XXXX women has taken a hit and funding based on my credit has been greatly hindered because of the inaccuracies, inconsistencies and incorrect data on my report generated by the credit bureaus. 

Despite several written requests, the unverified items of XXXX still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



Please DELETE and REMOVE these erroneous items off of my report immediately. 

Attached you will find a highlighted copy of the above referenced information. 

Thank you
Consumer complaint received 2023-01-11
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 (NJ)

On XX/XX/XXXX I used the services of XXXX XXXX XXXX XXXXXXXX XXXX. As per the early bird special they posted, they told me it would be {$20.00} which is the rate I have been using with them and is reflected as such in other receipts and on my credit card statement. However they inputted and swiped my card {$2000.00}, an impossible amount based on their rates and hours, after the fact that I was told {$20.00}. After talking with XXXX XXXX, I was given the merchant receipt of the {$2000.00} and was told they can not refund me and to go dispute it with Capital One. I was not given anything other documents after asking. After submitting a dispute case for {$1900.00} back, Capital One has closed my dispute case 3 times within a day of me submitting documents which include a formal dispute letter describing all of the above, the merchant receipt charging the incorrect amount, the rates posted for the services, and the early bird promotion poster. All 3 times, the dispute was rejected for not providing requested information that I was not told about in previous calls, without notification for a document request, or am unable to receive as XXXX will not give me a {$20.00} receipt of that day that Capital One is requesting since they charged me {$2000.00} instead. Over the course of the last few weeks since XX/XX/XXXX, I have called Capital One at least 4 times including today, XX/XX/XXXX, about this situation in which they refuse to help any further and discussion with the merchant has led to the same results as well.
Consumer complaint received 2023-01-19
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts : 1. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX  XX/XX/2021 TRANSUNION XXXXXXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TRANSUNION XXXX XXXX XX/XX/2021 TRANSUNION, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,