davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (SC)

I would like to dispute the following negative accounts on my credit report, XXXX : XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$47000.00} XX/XX/XXXX XXXX Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$47000.00} XX/XX/XXXX XXXX Account Number : XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$3500.00} XX/XX/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 XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (TX)

I would like to dispute the following items on my credit report. 

XXXX : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting 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. (MD)

I discovered incorrect inquiries on my credit report as per 15 USC 16c-2. These were not authorized and are negatively impacting my credit. Kindly remove them. Thank you.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Applied for and received credit account approval from Capital One Financial Corporation, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX on XX/XX/year>. Online app account was created on XX/XX/year>. On XX/XX/year>, received email stating that credit card had been shipped. Additionally, the email contained the text " Track your card shipment in the Capital One Mobile app. You can use the app to manage your account online, anytime. '' A portion of this statement is a hyperlink to the XXXX XXXX XXXX XXXX It does NOT open an already-installed app and advance it to any kind of 'tracking ' screen. The reason it does not do this is because the statement in the email is fraudulent and appears to be solely intended to induce customers to install the app and link it to their accounts. Indeed, after numerous phone calls to Capital One customer service, it was confirmed that cards are sent out via standard USPS mail with no tracking capability. 

Additionally, anticipating that the business would allow for 'virtual card ' activation, in anticipation of the physical card arriving, the email states " Access your virtual card* Your virtual card is ready in the mobile app. No need to wait for your card to arrivestart using it today. '' Upon opening opening the app, one finds the 'virtual card ' top and center. It only needs verification for activation. It offers a verification through text message. The attempt fails. It also offers government-issued ID for verification. Submission of images also fails. Indeed, calls to customer service confirm that the 'virtual card ' can not be activated until the physical card is received. 

The asterisk in the statement is notated in the subtext with " Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. '' Capital One makes no mention of who 'Some ' customers are or the criteria by which eligibility is reached.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (TX)

I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a claim or attempt to claim identity theft. This is a complaint and demand for, It has become apparent, that no human being, or no one properly trained, is handling the disputes at TransUnion. Continuously Ive disputed and now complained of this companies gross misconduct and ineptitude at reporting accurate and true statements of credit. Ive disputed both the validity as well as the inaccuracy of the company XXXX. To each time be resubmitted with erroneous infringing updated and verified statuses. We, under FCRA and FDCPA, statements of PLACED FOR COLLECTIONS, IN COLLECTIONS, that has been marked as both an open account and closed, charged off with a past due balance attached; are all clear violations of the above acts, as well as an infringement on my personal and business XXXX. I never entered into contract with this company and any proof of alleged indebtedness or furnishing of correspondence to further said collection or past due amount. Which placing statements of collection with a past due amount ON an account marked as closed goes against FCRA and FDCPA statues as well as FTC regulates. For these above statements I demand full remedy for the injuries this malicious negligence and lack of due diligence this company as exuded thus far.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NJ)

I just received an alert today from credit reporting companies that I have a late payment from Affirm. I have not used affirm and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.
Consumer complaint received 2024-10-24
Product: Credit reporting 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 cant believe itthis morning, I found inaccurate accounts on my credit report, and I have no clue where they came from. I regularly check my report, and this has never happened. I refreshed the browser, thinking it was a glitch, but nothing changed. I really need the documents I submitted to be reviewed carefully so I can finally put this behind me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XXXX, I was trying to finalize the payment for groceries at XXXX when my card got declined. I contacted Capital One by phone and I was informed that my card was flagged with fraudulent activities. The attendant asked me several personal questions and asked me to confirm several purchases. After all confirmation, they informed me that my account would have to be CANCELLED and a new card would have to be reissued for my protection. The problem is that I am currently moving from XXXX to XXXX and this was my primary card during this entire time. With such being cancelled, I had NO CARD OR MONEY until the new one arrived. Besides all this incovenience, I had to wait in line at XXXX while waiting for Capital One to resolve the problem for almost 2 HOURS on the phone when they finally informed me that there would be no solution and I would have to wait until XXXX XXXX when the new card would be sent. With no other alternative, I had to cancel the FOOD purchase and return home since I had no buying power to do anything. On XXXX XXXX I received the card in the morning. I activated the new card and returned to Target to try to buy FOOD once again. When I got to the cashier, the card got DECLINED AGAIN!!!!! Once again, I called Capital One and I had to wait another 30min to be answered and be told that the card was flagged with fraudulent activities. Once again, I confirmed all my account information and all purchase transactions. The card was finally unlocked and I could finalize the purchase but this is simply unacceptable! I was left stranded in a new city by Capital One without any buying power and with my card locked for 72 hours besides all the long waiting time on the phone to be answered and to have any problem resolved. CAPITAL ONE IS LITERALLY THE WORST BANK EVER! I WILL TAKE THIS CASE TO COURT!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Frontline Asset Strategies, LLC (MO)

I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-10-24
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. (FL)

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX  XXXX ( XXXX  XXXX ACCOUNT : XXXX )
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"