davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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 (TX)

I made reservation online to stay for the period of 4 nights at XXXX XXXX XXXX XXXX in XXXX, XXXX. Upon arrival at the hotel, I made the payment with Capital One credit card for the booked reservation. After spending a sleepless night at the hotel I had to check out early next morning due to the unbearable conditions at the hotel : No hot water, loud noise coming from street, music, holes in the windows and balcony doors of my room. At the time of checkout I requested the front desk clerk to refund money, and they provided me the receipt in Spanish with total amount. After coming home from my trip, I found out that the hotel still charged my credit card for the full amount of the reservation. I contacted Capital One and disputed the transaction. I explained that I was unable to stay at the hotel due to the fact that hotel could not provide the basic necessities for my stay : hot water, ability to sleep at night. After two months of dispute resolution process Capital One refused to refund my money. When I asked the bank representative why or what they based their decision on, they answered that I did not provide sufficient evidence to support my claim. I wrote two letters to explain what happened and to respond to the letters from XXXX XXXX XXXX representative. 
I submitted other documents to the bank, receipts, etc. I am not proficient in Spanish. The hotel XXXX XXXX failed to provide a room with minimum required facilities for enjoyable stay : not hot water, no ability to sleep. Nevertheless, they unjustly enriched themselves by charging me for the services they did not provide, and Capital One refused to refund my money. 
I can provide all the documents and correspondence with Capital One to help you resolve this issue. Please, I need your help to help resolve this problem.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual
Consumer complaint received 2021-09-07
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. (VA)

I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'VE SUBMITTED DISPUTES AND NEVER GOT A RESPONSE. I BELIEVE THAT THEY ARE PURPOSELY NOT WORKING ON DISPUTES WHICH IS A VIOLATION OF FCRA. PLEASE ADVISE!
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (DE)

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on Equfax credit report. 

XXXX XXXXXXXX from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

XXXX XXXX and XXXX is reporting a XXXX reported by Lexis Nexis not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IN)

For a few days I have been receiving emails about hard inquiries and a change in my credit score and so I went and logged into XXXX XXXX and i see that someone has applied for credit cards under my name. I called XXXX XXXX for the XXXX credit card and they are trying to fix it on their end, then I see one for targetXXXX credit card and I have not tried to get a credit card from them either. I work hard to build my credit and not it has dropped because of the business checking my credit and what not.
Consumer complaint received 2020-07-02
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. (TX)

FCRA Violations XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX. 
United States XXXX XXXX, XXXX. XXXX XXXX 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims.

1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX et al XXXX XXXX ) Courts > XXXX  XXXX XXXX XXXX Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Suit : Other Statutes - Consumer Credit Cause : 15:1681 Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retail XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. et al ( XXXX ) Courts > XXXX District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

When I learned of my identity being used for an apartment complex called XXXX XXXX XXXX due to the credit notification from XXXX, I immediately began calling I.Q. Data International to resolve the issue which was XXXX of XXXX and requested information from them. There was an apartment leased under my name in the year XXXX. The letter I've received from them was handed to my local police department to amend to the police report. I've submitted information to I.Q. Data such as my state issued drivers license, proof of address being my current apartment ledger which my lease begin in XXXX up to this year of XXXX, utility bill and police report that was filed to remove the collections from my credit which amounted over {$7000.00} which was the result of identity theft. This company refuses to remove the collections from my reports which a representative stated that the information I submitted to them was not enough information. The gentleman also stated that I needed to file an entirely new police report at that apartment complexes local police department. However, I've spoken with my local police department here in XXXX XXXX  and the XXXX XXXX  department which personnel from both institutions stated that is not the process. In fact, personnel at my local department thought it rather unusual how I was asked to take such actions as my current report filings with them is still an ongoing investigation. In addition, an investigator from the XXXX Police XXXX XXXX XXXX even stated that I can not file with them since I am not a resident of their area nor was I ever. I do not understand how a state issued license and proof of address along with a provided police report is not enough information to prove that this was the result of identity theft.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (AL)

On XX/XX/2022 I recieved a notice from Franklin service Inc, about an alleged debt of XXXX and recieved another alleged debt amount of XXXX on XXXX XXXX. This company after calling and speaking to both a customer representative and manager, failed to contact/provide me with a written letter of rights within the specified time ( 5days ) according to the Fair debt collection practices act. This company is wrongfully claiming to have sent said letter, however when I asked them to provide proof showing this, such as a mail receipt they stated they could not and did not need to do so. I would like this company to show proof of a mail receipt showing that this letter was in fact mailed to my address for the amounts. If this company can not provide a mail receipt showing that a written letters of rights was intact mailed to my address, then they have infact violated my rights of the Fair debt collection practices act, and because of this, this debt needs to be discarded because of its lack of validity.
Consumer complaint received 2020-07-02
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 (CA)

On XX/XX/2020, My Capital One credit card and XXXX XXXX debit card were used at a XXXX XXXX  store without my knowledge. I received texts from both card companies ( XXXX XXXX and Capitol One ) with suspicious activity. My XXXX XXXX card was used 3 times, and the Capitol one Card was used twice in the same day at the same store. 

I didn't know at the time but my card was stolen, and so as soon as I got the alerts from both companies via text, I replied to the texts sent from each, that I did not make the purchases. My Capital One card was cancelled, and they sent me a new one. The chargers were refunded. 
XXXX XXXX accepted the 3 charges as fraudulent. The charges were canceled and refunded No further action was needed. 

On XX/XX/XXXX Capital One added the 2 charges back on to my account, and said after their " honest and thorough investigation '' it was found that the card was not stolen, and I had used the card. I tried to explain again that two different cards were charged 5 times in one day at the same place, and that Capital One themselves alerted me to the suspicious activity. I asked how they came to this conclusion and they would not explain. 

My complaint is not so much that I have to pay, but that Capital One advertises how important their Fraud protection is. I did everything they asked of me, I replied NO to the text, I called the company right away to report it, and I cancelled the card. I am a loyal customer with more than one account with the company, I pay my cards on time, and I expect more from them. I am very disappointed, and in this economic time every bit counts. I am frustrated that I should have to pay for this, and that the company did not live up to its bold statements of protecting its customers.
Consumer complaint received 2020-07-15
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. (VA)

XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XX/XX/2020. On XX/XX/XXXX, I called into Equifax after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from Equifax. 
I called into Equifax many times in reference to disputes that I had placed with Equifax, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that Equifax couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from Equifax at my updated physical address in XXXX of XXXX which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of Equifax in the areas that works to prevent identity theft, where one purchases a plan from Equifax. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at Equifax in the past also in the middle of a phone call. I have had to call them back many times. 
Since XX/XX/2020 and until my phone call with Equifax today, XXXX XXXX, my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/2020 my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.
Consumer complaint received 2023-02-24
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. (FL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681  XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. states I have right to privacy. 15 U.S.C 1681 section 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states 2 ; it also a consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-08-11
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. (TX)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XX/XX/2023.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MI)

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company PHH reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So Phh mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Consumer complaint received 2022-12-28
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OK)

I filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the company told me they forgot to do the dispute for XXXX, XXXX XXXX XXXX, which was included in my Chapter XXXX  bankruptcy that was Discharged,  also the statue of limitations has expired on this judgement, they also assured they would be expediting the dispute. On XX/XX/XXXX I spoke with LexisNexis and they assured me it was fully removed from my report. On XX/XX/XXXX my lender ran my report and it is still showing on my report and i reached out to LexisNexis and they said they forgot to dispute it even though they have the bankruptcy information and the release of judgment. I have been in the process of purchasing a home and LexisNexis is causing me to lose this home due to their lack of effort.