davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX original creditor XXXX XXXX - continues to report to XXXX and Transunion a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} CAPITAL ONE XXXX Balance : {$490.00} XXXX  XXXX XXXX XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-24
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. (TX)

I paid my mortgage in full in XX/XX/XXXX and under Experian the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through Experian against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Consumer complaint received 2023-03-24
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (CA)

In accordance to the Fair Credit Reporting Act XXXX and 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 a account without my oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-02-24
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. (OH)

I have contacted both TransUnion and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!
Consumer complaint received 2021-09-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, disputes was sent to Transunion by certified mail. I asked to receive in writing what information they was refusing to remove and why, never received a response. I asked for in writing what information they used to determine the disputed information was Complete, Accurate, and True 100 %, never received a response. Transunion is required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have asked on more than one occasion that they provide physical proof of compliance and verification of each item listed as disputed. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Transunion has stated they verified by notice of bankruptcy court and XXXX XXXX which is not true. It is illegal for bankruptcy courts to make such reports to credit bureaus. XXXX XXXX sent a letter stating they have no file for me. The information disputed is not accurate and should have been deleted before now. Transunion and XXXX are violating XXXX Records Act 42.56.070 ( 8 ) Prohibits the use of public records to be used for commercial purposes selling of public information to banks. The definition of commercial purpose- designed to generate revenue and RCW 4256.070 ( 9 ) bars disclosure by any credit bureau XXXX Therefore, all public records Transunion and XXXX are posting to my credit report illegally. They have not verified in writing what they are mandated by law to inform me of. They was allowed to provide a script generated answer to you that gave them an avenue to further violate my consumer rights.
Consumer complaint received 2021-07-15
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I set up automatic payments at the dealership then received collection notice from BOA. I said lets set up auto payments AGAIN - I provided them with all info needed. Then I received multiple calls. I advised them to not call me. I received additional calls from an auto dialer when I specifically said not to contact me via auto dialer or in general to my phone number.
Consumer complaint received 2023-06-12
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: SANTANDER HOLDINGS USA, INC. (GA)

This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting a validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER XXXX Balance : {$0.00}
Consumer complaint received 2022-10-03
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. (CO)

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to Transunion, XXXX and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation XXXX - updates comments stating it was verified but has XXXX communication with me. 

Ive included all correspondence as well as copy of credit report.
Consumer complaint received 2023-06-11
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. (FL)

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX Account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number 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 1681 ( 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 XXXX 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 2023-03-23
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. (IL)

Last XXXX of XXXX RE : XXXX Dear XXXX XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute to XXXX, XXXX and Transunion regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.
Consumer complaint received 2021-02-09
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This delinquent account record is inaccurate because my payment was made on time but the rep recorded the wrong banking information causing my check to be invalid. I have never missed any payments. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

I went to XXXX today XX/XX/2022 at XXXX XXXX XXXX, XXXX, XXXX XXXX and presented my XXXX rewards card upon check out along with my Citi credit card. The clerk told me that I had a rewards balance and asked if I wanted to use {$10.00} towards the purchase amount of {$29.00}. I said " yes '', not sure if I clicked on the screen, but without my reading glasses I would not have been able to review the fine print anyways. 

Citi subsequently sent me an email saying that i had just redeemed XXXX points which is particular unfavorable at {$10.00} XXXX points or a 0.8 %. Meanwhile advertise 2 % cash back " Earn 2 % on purchases with 1 % cash back when you buy, plus an additional 1 % as you pay for those purchases. XXXX X XXXXXX XXXX 

Called Citi to complain and they said they could not do anything. My only recourse was to return to the store to process a refund. I called XXXX, and the rep had no idea what I was talking about. Transfers to their credit department, and said they did not have a way to opt me out. 

I drove back to the store, processed a refund, and brought my reading glasses to see that the screen indeed to me " Citi ThankYou '' points. 

I find it deceiving that XXXX present you with so many screens at check out. Some are mandatory like confirming your phone number. Some they try to upcharge you to fund their tax exemptions. Now I also have to read the fine print to ensure that they charge me in points instead of dollars.
Consumer complaint received 2020-11-19
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: FIRST NATIONAL BANK OF OMAHA (TX)

XX/XX/XXXX {$100.00} was charged on my credit card to XXXX and it was charged by someone with " art deco '' email ... they were able to go into my acct and change my email address
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} - Please Remove. Please validate the data furnishers ability to report by asking for " relationship documents '' with " quit claim language ''. Data furnisher has not furnished to me after request proof of certifiable sworn documents to substantiate his or relationship with such as party or company. No proof of license, insurance or contract has been given by XXXX XXXX. XXXX XXXX has not shown legal authorization or claim over " alleged debt '' or the legal write to operate in said state for " Alleged Debt ". There has been No proof of complete, truthful, timely and accurate reporting according to Eoscar and Metro 2 Compliance. XXXX XXXXr is in Violation of FCBA 15 US Code sS 1666 " Adverse Action '' I was never notified about putting any negative information on my credit report. XXXX XXXX  is in violation of carbon copy rule with all 3 bureaus according to Eoscar and Metro 2 compliance. Please Remove!
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2023-06-11
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)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-07-15
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: PNC Bank N.A. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-24
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)

Equifax should not be reporting a current balance of {$12000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my bankruptcy. ( I have included the letter I received from XXXX dated XX/XX/2016 stating you are NO longer responsible for any payments or the overall disposition of this student loan. I have also included my identification documents for reference. ) This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-24
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021, I opened up clam ticket XXXX with XXXX for the charge {$230.00} that is FRAUD. I also submitted a claim with American Express for this amount, stating that it is FRAUD. 

As if by design, both AMEX and XXXX responded that there is no fraud. This, of course, is totally ridiculous. While Im familiar with the APP in question, there was absolutely no purchase made by me nor did I receive any goods or services for this vaporware. 

I was advised today that, according to the merchant, yes the one who is defrauding me with a ludicrous claim that I purchased something on their app, that the charge is appropriate. It is NOT appropriate. I did NOT purchase anything. I did NOT receive anything, and I do NOT want to be stuck with charges that are clearly fraudulent in nature.