davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-08-12
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 (NY)

On Tuesday, XX/XX/XXXX of 2020, a purchase was made in the amount of {$460.00} using my Capital One Bank credit card information at a XXXX XXXX location in XXXX XXXX XXXX, New York. Let me make this clear ; my card never left my possession. It did not go missing. That being said, I was never alerted of this charge by my bank. The purchase was cleared and went unnoticed. Two weeks later, was when I checked my credit card statement when I noticed the charge. I immediately alerted Capital One Bank. They said, Sometimes we mail out pre-activated replacement cards that can be used. I was shocked that a card was being mailed without prior notice or request and a PRE-ACTIVATED card puts me at risk. An investigation was opened and not long after I was mailed a determination letter stating they have no proof my card information was stolen. I said my card was not stolen, my information was stolen, and your company TOLD ME you mail pre-activated cards to consumers. Ive spoken to 10+ Capital One Bank team members and a majority of them pass me on to the next person and next person. Not only will they not take accountability, but they are inadequate. I reported this matter to XXXX XXXX customer support but seem to have no knowledge on how to handle matters on this level. Its been frustrating and detrimental to my well being dealing with this. I am not working due to COVID-19 nor do I have the funds to shop at XXXX XXXX or cover the bill of {$460.00}. Capital One Bank is unprofessional and have no formal training of reliable customer service. Please help.
Consumer complaint received 2022-01-14
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-14
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/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$450.00} account # XXXX 30 days late on XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2022-01-13
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. (CO)

- I Called Experian XXXX on XX/XX/2021 and was on a XXXX minute call to have collection and closed accounts removed from my report. 

- According to 15 USC 1681b ( a ) ( 2 ) 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. Which was not done and XXXX is in violation That was not done. I the CONSUMER/ NATURAL PERSON was denied of the removals because the agent stated she would get in trouble. However, my consumer rights were violated and federal law Trumps state law or company policy EVERYTIME. she also stated that the federal laws didn't apply to Experian. This constitutes fraud and misleading information. 

- She then proceeded to open a over the phone dispute. 

-Pursuant to 15 USC 1681i ( a ) ( 1.a ) WHILE ACCOUNTS ARE UNDER INVESTIGATION the accounts are to be deleted. Which was not done therefore Experian is in Violation under this section. 

- I received my dispute results online on XX/XX/2021. NONE of these alleged collection accounts or other alleged information I demanded to be deleted was verified, nor deleted. 

- I did not give these companies nor Experian my XXXX written consent to report anything which is also in violation of 15 USC 1681b, 15 USC 1681 ( A ) ( 2 ) ( B ) and the FCRA. I am DEMANDING this alleged information to be Deleted immediately.
Consumer complaint received 2022-01-14
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (MI)

Good Afternoon, I had a debt through XXXX XXXX Bank ( Credit Card ), AKA XXXX  XXXX XXXX  that was transferred/sold to XXXX  XXXX  XXXX XXXX XXXX I moved a couple times throughout the pandemic, so never received any written correspondence that it was going to collections, but after some research, agreed that the debt and amount were accurate ( {$400.00} ) and ultimately paid XXXX XXXX XXXX the amount owed in full. That was on XX/XX/2022. I was notified around XX/XX/2022 by a company called Halsted Financial services that I still owed the debt and that they were acting on behalf of a company called XXXX XXXX. I contacted XXXX XXXX Bank immediately to see who actually owns the debt, whether it was sold or transferred, and a list of who I needed to contact to make sure 1 or any of these companies actually was acting on their behalf. XXXX XXXX Bank could not tell me who owned the debt, which I thought to be odd that NOBODY within that company could tell me who had the debt. I tried to escalate as high as I could to get a simple answer to no avail. I am still uncertain if I paid a scammed or an actual debt collector or if the debt was recycled. This is my first inquiry into the matter and hope I don't need to get legal representation, but also more than willing. I have attached Proof of Payment from XXXX XXXX XXXX as well as a screenshot of my Bank Statement showing the same date, company that payment was tendered, and matching dollar amount. Thank you for time and effort. 


***NOTE*** It would not let me list a 3rd financial institution below. That company is XXXX XXXX which is apparently the company that Halsted Financial Services was acting for.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Have been trying to unfreeze my credit report at Equifax for 3 days on XX/XX/22 and XX/XX/22, and every time I log in and try to unfreeze my credit, I get the following message : We are temporarily unable to complete this request. 
Please try again later. 

Equifax has apparently a terrible reputation for this site being down already. I would like to add my complaint to this large pile.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit Acceptance reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A friend contacted me by XXXX and then by XXXX she said she needed some money to pay some stuff I believed her because we were really close at school she told me to sent the money by XXXX to this person and I did it just like she said, then she asked me for more and more again until I gave her all my savings she said she was gon na give it back but then the time passed and I had bills to pay I ended up giving her XXXX dollars and when I needed the money back I tried to call the number and no one ever replied then I contacted her sister who told me that my friends account was hacked and the person that asked me for money wasn't my friend. 
I talked to the bank but they weren't able to get my money back.
Consumer complaint received 2022-01-14
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. (AL)

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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I paid an settlement offer to XXXX ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as XXXX XXXX. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my Experian credit report. XXXX XXXX reported XXXX for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to Experian just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My capital one venture credit card was closed abruptly without warning. I received a notice in the mail posted for XX/XX/XXXX. I called Capital XXXX number to speak with a rep and management about the matter of reopening my account. Due to a returned payment from mistakenly using the incorrect account and soon after fix the mistake with the correct account after resulted in my account being closed. I spoke with a rep and management stating XX/XX/XXXX to discuss the payment that posted on XX/XX/XXXX and to call back XX/XX/XXXX to speak with a supervisor to reopen account. I called XX/XX/XXXX to be told by a fraud supervisor " their is nothing they can do to reopen the account '' even though my statement is paid off for the month owing {$0.00} with no late payments on the account since I had they card.I am unable to use my {$1000.00} in rewards that I accrued after spending an absorbent amount on the card and paying it off ( XXXX XXXX XXXX ).
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC ()

I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to Phoenix Financial Services. I contacted Phoenix Financial Services by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from Phoenix on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to XXXX XXXX XXXX XXXX. My address on this document was also recorded incorrectly. I sent Phoenix an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called Phoenix on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted Phoenix again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. Phoenix is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
Consumer complaint received 2023-08-05
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. (MI)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

XXXX XXXX stated they would not share my non public information with non affiliates. The CFPB is ONLY credit reporting agency recognized by the government and Equifax is a privately owned company with no affiliation with the government therefore they ARE NOT the credit bureau so XXXX XXXX should not have released my information to Equifax.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Received an automated call from Amazon indicating there was a charge for a XXXX and XXXX. Was transferred to a live XXXX sounding person and was told there were multiple bank accounts created under my name ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All with different charges. However the charges dont show on the only account I DO have for the Amazon credit card they are indicating has these charges. The phone number was XXXX ( XXXX ) XXXX XXXX, NJ.