davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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 (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$8000.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (PA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA section 807 Violation misleading false representations and reporting.

Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. Also, 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 chapter 41. 

XXXX XXXX # : XXXX XXXX. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or uploaded As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA false misreporting. Instructions, Please Update to Paid Current as Agreed. I was never late this is a violation to my rights as a consumer. Remove ALL late payments and change the payment status to current because of the CARES ACT. 

XXXX XXXX XXXX 

# : XXXX
Consumer complaint received 2023-08-02
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. (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. 

The letters are stated with items and issues. 

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 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MA)

PNC bank bought and services two 20 year loans on two seperate homes. First mortgages on both. They have been collecting escrow monies on both and not paying my town. they also don't show the money back into my account for weeks at a time so I don't even get interest. I have been force to pay the town directly myself even though PNC has been collect to. they now have over XXXX dollars of my money. I have paid fees for paying direct and I think late charges and demand charges from my town. sent three different times signed papers for them to stop collect escrow. I also faxed. I have called them many times more than 10. I have been cold dropped. I have been hung up on. I have been transferred I was treated badly and rued even. They keep telling me they will call me back. I have received one message once and the other time they didnt say they would fix. I want to bring legal action against the abuse. I still have to pay the mortgage with escrow or they will not apply it to my balance and they will not count it as a payment. This is hard. I have XXXXXXXX XXXX and on in XXXX. I have three houses to pay for and my wife lost her job after 22 years and now makes XXXX the income. this is financially hurting me. carrying balances because they are not doing the right thing. this all started about 4 months ago.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) to TransUnion regarding unauthorized/fraudulent inquiries XX/XX/XXXX - XXXX XXXX  and XX/XX/XXXX - XXXX XXXX  that need to be removed from my credit report along with a copy of my photo ID. In response, I received a stall letter from them dated XX/XX/XXXX stating that it did not appear to be me requesting the information in my letter and that the request won't be completed unless it came directly from me, not to mention, they sent me a postcard advising me that the place a fraud report on my credit report, which I did not ask them or give them authorization to do. 

On XX/XX/XXXX I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) stating that the previous mention letter was a stall tactic and they are violating my rights as a consumer and that there was nowhere in the letter stating that I had a third-party request the information be deleted on my behalf. I received a letter in response explaining to me that companies obtaining my credit report has permissible purposed to do so, yet I explained to them that there was no purpose because I did not authorize those inquiries. 

On XX/XX/XXXX, I again contacted Transunion by certified mail ( XXXX XXXX XXXX XXXX XXXX ) advising them that I had recently received my report as well as the creditors which did not have any information of me initiating these inquires and that I would like them to be removed from my report. Again, I received correspondence from TransUnion dated XX/XX/XXXX with the same verbiage regarding " permissible purpose ''. 

On XX/XX/XXXX, I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was refused and returned to me. I received correspondence dated XX/XX/XXXX from TransUnion stating that the request didn't appear to come from me but from a " credit clinic '' and if that was the case, they needed to identify themselves as such. 

They have repeatedly violated my rights under 15 USC 1681b by failing to delete inaccurate reporting.
Consumer complaint received 2023-08-02
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. (AL)

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, Transunion, XXXX and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to Transunion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. Transunion, XXXX, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including Transunion, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.
Consumer complaint received 2024-11-28
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I made and online one time payment for the balance on my BoA card, {$10000.00} for my bill that was due on XXXX The billing peroid ends on XXXX On XX/XX/XXXX, BoA tried to double bill me the same {$10000.00} and it was declined because I didn't have an extra XXXX in my account. I think they tried a couple times. I was told that this is the normal course of business, essentially that they ignore the payment ( which I was prompted to make ) They took that {$10000.00} and carried it through to my november bill, showing up as a credit and then as a charge on my card. In essence, they added {$10000.00} to my bill. When they billed my card on XXXX that amount included this extra XXXX. They now say I am past due, charged fees and stopped my card. Even with the additional XXXX there was enough in my account to cover the double billing. They are borrowing XXXX and charging me interest.
Consumer complaint received 2024-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (WI)

I am writing to formally dispute the accuracy and validity of the information listed on my credit report regarding the account associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). After thorough review and consultation, I have determined that the reported information is incorrect, fraudulent, and in direct violation of federal statutes. 
Pursuant to the Internal Revenue Code ( IRC ) 6050P, creditors who discharge {$600.00} or more of debt are required to file a Form 1099-C with the IRS and provide a copy to the debtor. To date, I have not received a Form 1099-C for this account. This failure to comply indicates that XXXX  claimed a tax benefit without fulfilling their legal obligation to notify me, which constitutes fraudulent and deceptive behavior. 

Furthermore, this omission violates the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate and incomplete information to remain on my credit report. Reporting such false information to the IRS is a severe offense and exposes the reporting party to significant penalties. 

In addition to fraudulent reporting, the attached documents demonstrate a clear violation of the postal rule on the part of XXXX, further compounding their unlawful actions. Such negligence and failure to adhere to statutory requirements subject XXXX to liability for statutory damages under federal law. 

Unless this matter is promptly resolved by removing the inaccurate and fraudulent information from my credit report, I will pursue all legal remedies available to me. This includes filing a lawsuit for fraud and seeking statutory damages as allowed under federal law. 

I request that the inaccurate information be immediately corrected or removed. Please conduct a full investigation and provide me with the results of your findings. Enclosed are copies of supporting documentation, including evidence of XXXX  postal rule violation and related account records. 

I expect a written response to this dispute within the timeframe required by law, as specified in the FCRA. Failure to comply with this request will leave me no choice but to escalate this matter through legal and regulatory channels.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

On XX/XX/year> I received a check from my XXXX loan from XXXX XXXX. The bank was already closed when the check arrived. I deposited it from the mobile app. 

I wen tot he branch on XX/XX/year> as the money was not deposited and there was no notice in the app. I sat and waited, with my paperwork and documentation of the check 's authenticity. They told me that the mobile app is only for deposits under {$1000.00} but there was nothing flagging that it would not take the deposit. What's more, I was told the funds were locked up until XX/XX/year>. They said I should have came ot the bank and the funds would have been available within 24 hours. I asked them to reverse the deposit and redeposit my check as I had it with me. They said no, they couldn't do that. I said call someone and they said the bank manager was out ( many of them were out that day as I spoke to several branches and they could not find one who was working ) and that they did not have any phone numbers at BMO corporate. As a result of a 10 day hold on MY MONEY, I am unable to buy food, pay my rent, car note, internet, credit card payoff and auto insurance. What's more, it ruined my holiday, put me in a horrible place with what the money was earmarked for and I am incurring late fees, collection calls and the account is now overdrawn {$3.00}. I am asking they pay for the late fees, and the credit score I will be hit with. They had a breach last summer where they lost my payroll deposit causing similar problems. About a year ago they merged with a XXXX XXXX bank and called to to let me know they were changing my account numbers, accounts I have had for decades. I was told they would handle all the services and it caused a huge mess that took months to fix.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

My XXXX credit report currently contains XXXX accounts which are invalid. I have disputed these with XXXX multiple times over the course of the past year. I have explained all pertinent information to XXXX about these accounts to the best of my knowledge. XXXX does not investigate these disputes, XXXX sends an automated generic message reply to every dispute I make for these XXXX invalid accounts. The accounts in question are a XXXX XXXX which has never been opened by me nor do I possess any knowledge of it at all, it is not mine. The XXXX account is a XXXX XXXX which was opened by me in XXXX of 2023 but was never used for any purchases prior to the account grantor Citi, XXXX the account at there own discretion in XXXX of XXXX.