davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is not a complaint. This is a claim concerning fraudulent claims made against me by XXXX XXXX. I have a XXXX XXXX XXXX secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. XXXX XXXXXXXX reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and XXXX XXXX did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call XXXX XXXX today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because XXXX XXXX did not report that the account is paid in full.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (FL)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is not a complaint. This is a claim concerning fraudulent claims made against me by Capital One. I have a capital one platinum secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. Capital one reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and capital one did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call Capital one today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because Capital one did not report that the account is paid in full.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MI)

I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2017-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IL)

I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AK)

My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a few fraudulent charges on my account from XXXX. So they charged XXXX XXXX XXXX XXXX and XXXX XXXX Interesting thing that transaction from from XXXX for XXXX $ and XXXX XXXX They approve. But XXXX XXXX Not they said we have reason to believe that XXXX $ + made by me but another transactions on the same day is not. 
From my experience I know that hotels put holds from XXXX $ to XXXX XXXX If it was a hold. Why it is not disappearance? Shame to Capital One.
Consumer complaint received 2023-05-13
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. (IN)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Consumer complaint received 2023-05-13
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. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX  states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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, 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 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (TX)

First Investors Servicing Corporation is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. May First  Investors Servicing Corporation provide statements to the consumer reporting agencies and myself showing the corrected mailing address?
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (CA)

Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX  was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. 

My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX  and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan
Consumer complaint received 2023-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On Wednesday, XX/XX/2023 I tried various times to verify my identity with TransUnion through XXXX in order to have my credit report released to a prospective landlord. TransUnion was unable to verify my identity online and upon calling the TransUnion shareable for rentals line at least 5 times over the course of two days ( encountered a staff member mysteriously going quiet while the call continued for 5 minutes in the middle of verification process, etc. ), they were again unable to verify my identity. When I brought it to their attention that the verification questions continued to show no relation to me they suggested I request my free credit report, which I did. Upon reviewing my credit report, the credit report appeared correct and also showed nothing that would cause the verification questions to present as they did. On Thursday, XX/XX/2023, I called the TransUnion consumer support number as the TransUnion shareable for rentals number could be of no further assistance and was able to pass the verification questionnaire as it finally brought up one question that asked about a family member and was told that my identity had been verified for the rental application. However, when I logged back into XXXX the following day, Thursday, XX/XX/2023, the problem persisted. I then called XXXX and was directed back to TransUnion a final time at which point I brought it to their attention that there was something wrong with their system. In response, I was told that nothing was wrong with their system, rather, I must not be who I claim I am after having failed the verification questionnaire for a ninth time.