davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX  I paid my credit card balance in full via XXXX XXXX  on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX  I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. 

thank you XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX  Acct # XXXX XXXX ) XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 60A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C Section 1681c ( a ) ( 5 ) : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C Section 1681 s-2 ( A ) ( 1 ) A person can not furnish information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
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.The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 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 crimes which antedates the report by more then seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information 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 2022-11-22
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. (NY)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$14000.00}.
Consumer complaint received 2022-11-22
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Balance : {$33000.00}.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. 
I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped. 
zelle has since told me that they wont be refunding me for this.
Consumer complaint received 2023-04-16
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. (GA)

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 may have got into the hands of the wrong person.
Consumer complaint received 2022-11-22
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$18000.00}
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX XXXX Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX XXXX XXXX {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidaviXXXX XXXX  Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CA)

This online only bank violated my rights- in XX/XX/XXXX I submitted a dispute showing proof that the vendor in question wouldnt reply to me, and the purchase was sent back to the original company - I have sent and requested multiple times over the last two months to be notified of an update, and was never provided an update. They also state they have a working phone number but they do not - you can never get a hold of anyone and they still say its due to Covid 19. 

Last week on XX/XX/XXXX I was notified via email my dispute was updated and they refused or denied my dispute. I chatted in and asked for a copy of their investigation - the woman who chatted with me, XXXX, advised they would email me. 

I requested to have a copy sent to me, and instead today, XX/XX/XXXX received an email from someone named XXXX advising the vendor showed proof the delivery was completed and it was compelling proof, however did not provide me with any copy of investigation. 

Additionally - I do not believe this to be true, because the tracking information I provided showed it was delivered BACK to the ORIGINAL VENDORS ADDRESS. 

This is {$54.00} but thats a weeks worth of food. They also pulled {$100.00} out of my account and refuse to fix it even though on the statement itself it shows they incorrectly didnt add in one deposit.

I want the {$150.00} put back into my account immediately.
Consumer complaint received 2022-12-15
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. (NY)

I leased a XXXX XXXX XXXX XXXX through XXXX XXXX in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, XXXX XXXX has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my XXXX XXXX dropped by almost XXXX points and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with XXXX who claims they cant fix it even though its wrong and negatively impacts my credit and according to Transunion, even though its wrong and now considered a negative item on my credit report, they cant remove it until XXXX updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but XXXX wont remove it or update the remark so it doesnt continue to impact my XXXX XXXX for the next 7 years. I have no where else to turn at this point as Ive exhausted all efforts thru XXXX and Transunion.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

Greetings, I have submitted my billing error dispute with Comenity Capital Bank to the address on the monthly statement I was sent as they requested via certified mail. Ive called several times requesting an update and also emailed their message center as one of their colleagues suggested. No one seems to know what Im talking about. I asked to be transferred to the dispute department only to find out there isnt one. I was then transferred to a pleasant young lady by the name of XXXX. She stated Comenity policy states it has up to 60 days to respond. I asked where was she reading from because thats not what is states on the papers I received from BJs. I ask that you contact XXXX/Comenity Bank to resolve my dispute.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

i made my payment on XX/XX/2022 but becuase bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the 3 credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt wan na help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the 2 bank satments proof they changed the loan number for the same preperty adress and proof of payments from chas bank and the returen that i was not awaere of
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Midland Credit Management called my sister in law regarding my credit card debt on XXXX. My sister in law is not on any accounts of mine. They also attempted to call my mother the same day. XXXX  is not on any accounts.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (MD)

During the course of dispute of this alleged debt Kirshbaum, Nanney, Keenan & Griffin, P.A. attorney XXXX XXXX asked to pull my credit report and was told no because are not a creditor of mine. However, I've learned they fraudulently pulled my credit report multiple times the last date being XX/XX/2020, through XXXX Credit bureau claiming I applied for credit for an installment loan or bank account. Please see attached documentation.