davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
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. (GA)

I filed a dispute with Transunion Credit Bureau asking them to provide me with the information of the bankruptcy That they are reporting on my credit file, and they sent back a response stating that they verified it thru the courts. When I called the courts to verify this information, I was informed they do not release any information to the credit bureaus and it is also a disclaimer on the courts website.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below.

Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I paid online the total balance of my credit card. I paid this highest amount shown when I logged into their online system. The online site indicated what they termed the ACTUAL BALLANCE. I then closed the account. About a month later I received a small bill for additional interest. When I contacted Bank of America I was told the bill was for additional interest between when the statement was issued and when the card was closed. No where on their web site was this ever indicated. No indication was given that what was shown as the actual balance was not really the actual balance. It is a deliberate misleading way of generating additional interest for Bank of America. A consumer has no recourse but to pay because Bank of America will report the account as delinquent, damaging my credit since Credit Reporting Companies always default to the credit card issuer.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

This is a complaint against XXXX XXXX and I am sure it is one of many similar ones. 

It is absolutely inexcusable that one has to wait literally hours, at times up to XXXX XXXX, to speak with a XXXX representative on the phone. An error was made when I was booking a flight on XXXX 's web page. On XX/XX/XXXX I thought that I had made and paid for a reservation for a friend to fly from XXXX to XXXX XXXX. I was surprised when an email confirming the transaction did not come through immediately but since I usually use another airline I thought this just might be peculiar to XXXX. However when I had not received any confirmation the following day I checked my VISA credit card and although the charge was pending, there was no reservation on my XXXX page. I waited another day and saw that the charge was still pending on my cc but since I needed to have the ticket another one assuming that the charge would be deleted from the cc since it was obvious that XXXX had no reservation for me. This time I used used my XXXX American Express card to make the exact same reservation as I had a couple of days ago. The confirmation came through immediately. 

Since I could find no reservation in my XXXX reservations on-line I was certain that the " pending '' credit card charge wold cease to appear on my Visa card. However, on XX/XX/XXXX the charge was posted on the Visa card for the original purchase but there was still no ticket or any record for it.. I have tried for a week to get this resolved but have been unable to get through to a XXXX rep. I have waited a total of XXXX XXXX on the phone and finally gave up and drove to the airport yesterday XXXX XX/XX/XXXX ). The agent was unable to resolve the issue. She did, however, find the 2 records and printed the receipts for me. The first charge was on a visa card XXXX XXXX XXXX XXXX XXXX for XXXX. I had a {$100.00} e-credit that I used with that ticket. On XX/XX/XXXX, the second charge was on my American Express/XXXX  card for {$550.00}. I am requesting a full refund of {$550.00} to be returned to my American Express card Yesterday at the XXXX airport I was given another phone number to use. Again NO success. When I started that phone call at XXXX last night the computer said the wait would be less than XXXX. After sitting with the phone to my ear for XXXX XXXX, I gave up. This is totally unbelievable and unacceptable. When the airlines receive bail out funds they should be required to provide decent service to their customers. 
I am at a loss as to what to do but am unwilling to me kept on hold anymore for HOURS with XXXX nor to simply let the airline retain my money.
Consumer complaint received 2022-05-19
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from chase for my business called chase ink preferred with a 23,000 line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to chase credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but chase is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Consumer complaint received 2020-05-22
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. (CA)

The Credit reporting company Equifax has been wrongly reporting my name. 

They are reporting XXXX XXXX and XXXX XXXX instead of XXXX XXXX. 

I have already brought this issue with XXXX  but has not heard from them since more than a month. 

Also I am not able to get online on Equifax.
Consumer complaint received 2022-10-31
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. (IN)

My wife Died XX/XX/21 she had a XXXX XXXX  card after she Died XXXX was sending a Bill every month for Less than {$20.00} Dollars. Didnt think I was responsible for it was in my wifes name. Found out later that I was on it as a user found out my Daughter was on there as a user also. She received a bill on it. So we paid it. Closed Account. So dont think I should be punished for {$20.00} and thats the on late charge that I know of in my XXXX years of being alive. I have a couple of homes paid for and the only credit I have is a new car payment. Trying to get a XXXX mortgage with a low interest rate which isnt very low.and thats on my credit report.
Consumer complaint received 2022-06-30
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: MiraMed Revenue Group LLC (IN)

My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response.
Consumer complaint received 2022-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX around XXXX my computer locked up started flashing and beeping with an error message. Your computer has suspicious activity. Do not shut your computer down but call XXXX. I called this number and a girl named XXXX who said she was from XXXX XXXX  fraud team and they have noticed suspicious activity that could be getting into your bank accounts. She said this indicates you have been hacked but this would take some time to change the IP address and resecure the computer. She indicated I should contact my bank to see if there have been fraudulent charges and offered to put me in touch with them at Capital One A man named XXXX then answered the phone indicating he was with Capital One fraud team. He told me there was a {$7000.00} charge for XXXX XXXX and {$9900.00} charge for on line gambling. He indicated they could fix these but we had to act quickly and told me how much credit I had left on my personal credit card. He stated we would have to get XXXX on these secure gift cards, close the original account and they would get me a new card after XXXX XXXX  fixed the IP address and the money would be transferred from the gift cards onto the new secure card. He then put me in touch with supposedly a Capital One employee who would work with me through the process. 
this happened and he stayed on the phone with me while I went around the area and secured gift cards totalingXXXX. After I got the first batch of gift cards he then explained I would need to scratch off the codes on the back of each card and give it to them so the could credit my new account. I realized to late the fraud and talked with Captial ONe and XXXX the same day I purchased the cards but they had already taken the money off the cards and indicated there was nothing they could do. XXXX did check on a couple of the cards and they were used at a XXXX in XXXX. 

I still have all the cards and here are the names and numbers of the people that contacted me in this scam XXXX XXXX woman-XXXX  XXXX XXXX XXXX ext XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I understand this is my own stupidity for not following a procedure I have but I wanted you to know and if there is any possibility of tracking these bandits I would be happy to work with you
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have several cards with capital one and some of them I've had for over 8 years. Not once has capital one offered to lower my interest rates even though I usually pay my card on time and in full. 

Recently lost my job and went to business for myself flipping homes. As I was about to complete my project, the hard money lender I needed to use went out of business. I had no choice but to complete the work with credit cards. Just as the work was being completed, the Corina virus hit. I finished the work with my credit cards and put the house on the market but no activity thus far. 

Right now I can't even make my personal mortgage payments. 

I called capital one to try to get relief under the Cares Act 2020 but their representatives tell me they have no " offer '' for me. I didn't realise the banks get to choose to whom the offer relief.
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I received a letter from Bank of America confirming my payment postponement ( Forbearance plan re : covid 19 ) for my home loan # XXXX until XX/XX/2020. 
I received a bill in XXXX stating that payment was due for XX/XX/2020. I called customer service who told me that sometimes the bill crosses in the mail as the forbearance letter is issued. She confirmed that the loan was postponed and the next payment is due XX/XX/2020. 
Today I received a bill stating {$4100.00}, I am 47 days delinquent and if my account is not brought current to include fees my home was in jeopardy of going into foreclosure. 
Please confirm the bill dated XX/XX/2020 is incorrect. Please confirm my account reflects the correct information regarding the forbearance. Confirm that this is not inaccurately reported to the credit reporting agencies as past due.
Consumer complaint received 2020-05-22
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. (AL)

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( Experian, XXXX  and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( XXXX ) XXXX/XXXX
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2022-12-30
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove hte following files : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Recovery Services, Inc. (NY)

I had a credit line with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for XXXX XXXX to contact Financial Recover Services at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, Financial Recovery Services called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.