davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX has XXXX XXXX XXXX reported as 2 late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. Which is a violation. This is causing me financial injury and impacting me from buying a house.

I've attached my letters and their response.
Consumer complaint received 2023-03-24
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

On XX/XX/2023, I took a deposit totaling {$2400.00} to US Bank. 
The teller incorrectly entered this deposit as {$3400.00}. 
My bank account was credited an extra {$1000.00} when it should not have been. 
Someone who wrote me a check has their bank account overdrawn because US Bank withdrew an extra {$1000.00} from their account. 
US Bank was notified by me of this error on XX/XX/XXXX ( the following day ). 
XXXX promised it would be corrected " as soon as they figured out how to fix it. '' Three business days later, nothing had changed. 
On XX/XX/XXXX, I spoke with XXXX at US Bank. He promised that it would be corrected by XX/XX/XXXX. It is now XX/XX/XXXX and it still has not been corrected. It is over a week that US Bank withdrew an extra {$1000.00} from someone's account illegally.
Consumer complaint received 2023-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2023 approximately XXXX, I woke up to a text notification from capital one about an order being place from Walmart . Since I didn't place any order, I immediately called capital one to inform them that there was a fraudulent charge of {$100.00} from Walmart, and they deactivated my credit card and gave me a new credit card. When I investigated further I tried to log onto XXXX but my account was deactivated, so I checked my email and there was an email stating my account was deactivated, I called Walmart to report the fraudulent charge and to reactive my account which they did, but told me they don't give refunds, I have to contact my credit card company. I've called capital one several times for them to refund my money, they'll adjust it then charge it back several times, so I finally decided to make a complaint and hoping I can get my money back. I have attached the email from Walmart about account deactivation, screenshot of the time I.ve called capital one the moment I knew someone fraudulently used my account, the order the thieves made and capital one statements.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Consumer complaint received 2023-03-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX XXXX XXXX XXXX XXXX Select Portfolio Services ( SPS ) and ( SPS ) thru XXXX, XXXXXXXX XXXX  and possibly XXXX  are buring me in mortgage processing payment increases year after year..I paid their ridiculous amount, now think being transfered to SLS, XXXX XXXX reporting updates untrue/crashing credit so can not refinance and XXXX never gave me a contract and wrote a fake cancelation but telling new company my contract expired likely to get me back into courtexpired ... its not even XXXX, its another Portfolio scheme..It is a XXXX loan from XXXX and owe XXXX its just crazy ... I had to call to find out was cancelled..total mismanagement... .I 've been getting a flurry of letters thst look like same software SPS uses saying been a data breach..Crazy as XXXX ... SPS is a XXXX XXXXXXXX ... I paid XXXX payment on time and saying late, I closed account out but still open..my limit was XXXX but then shoes paid XXXX then said my limit was XXXX so can reduce to XXXX its a total collision within the kind of mortgage it was before SPS took it over ... XXXX by far the worse..to say cancelled any check on way with no notice, no check and then expired XXXX and was never a policy anyway. All XXXX..hocus pocus
Consumer complaint received 2023-03-24
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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: Avant Holding Company, Inc. (GA)

I was supposed to have a credit card through Avant , LLC coming in the mail. I was traveling out of country for two months, when I came back I received a credit card statement with purchases more than {$800.00} dollars. I called the company to explain to them that I wasn't home for such a period of time, and I received a statement which I didn't do I did not purchase and used that card. The credit card 's representative took my complaint and sent another card with a different number, and the card was keeping charging through XXXX XXXX  and elsewhere, even though it was in my possession. I called the company again and again to fix the issue, I even sent them a certify letter in order to take my complaint serious nothing happened, one of the managers for that night said : she reported it " as fraud '' instead of reported as fraud the credit limit was {$1500.00} now it is way over limit with an amount of {$1900.00}. The card should be cancelled at once.
Consumer complaint received 2023-03-24
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. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

It has been almost 4 months since I submitted my complaint numbered XXXX to the CFPB on XX/XX/XXXX, I still have not received my refund of {$25.00} from Capital One. 

As I stated in my submitted complaint, I closed or ceased all of my Capital One related accounts on XX/XX/XXXX and paid {$25.00} more to my Quicksilver Credit Card of XX/XX/XXXX Payment Due Date on XX/XX/XXXX. Therefore I expect Capital One to refund {$25.00} back to me by mail. I still have not received my {$25.00} refund by mail until today of XX/XX/XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You have to follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
Consumer complaint received 2023-03-24
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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. (NJ)

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

Chase Bank froze my account because THEY misunderstood my son 's inquiry into a previous UNRELATED joint acct. I got my daughter to investigate the problem for me. They would not speak to her even though I gave permission. 
We went to get a notarized Power of Attorney. They REFUSE to honor it! 

This is not the first time this has happened. More than 20 years ago Chase added illegally fees for services to my account they claimed I asked for. I did not. 
They then claimed my dead husband had. He had not. It's sexist & condescending. 

In current problem Chase Bank also claims they are just " trying to protect me ''. Again insultingly condescending in order to cover their predatory practices. 

Chase also blocks any attempt to resolve the problem by blocking our combined ( Mine, my daughter 's & my son 's ) efforts to communicate with them. We get put on perpetual loops of go talk to 'x " go to 'y ' no go talk to 'z " We have spent more than 40 hours trying to talk to someone!!! 

( Final insult was they use threatening tone to say we are recording you & will use this. When we say " ok and we are recording you ' They refuse! ) The POA was meant to bypass those blocks so my daughter could speak on my behalf. They're blocking that & any other efforts to unfreeze more than $ XXXX that they refuse to release nor discuss!
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Purchased a used car which was financed through credit acceptance ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX which I purchased from Initial XXXX XXXX XXXX XXXX XXXX NY XXXX The total amount financed was {$11000.00}. My car was wrecked and was a total loss, the insurance company paid {$8400.00} to credit acceptance on XX/XX/23, my service contract refunded {$890.00} and {$1600.00} to credit acceptance on XX/XX/23, my gap insurance paid them {$35.00} on XX/XX/23. I made a payment to credit acceptance on XX/XX/23 of {$270.00}, XX/XX/23 of {$270.00} and another payment of {$270.00} on XX/XX/23 a total of {$11000.00}. Leaving a credit of {$400.00}, but credit acceptance is telling me that the loan is not paid off and that I still owe them {$6600.00} in interest which would of been the cost of the loan had I paid it over the full term of the loan. I feel this is predatory lending and a violation of the consumer fair credit act.
Consumer complaint received 2024-09-26
Product: Credit reporting 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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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. (MS)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (CA)

Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.