davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> :
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Morning, On XX/XX/23 I contacted Capital One to inquire about interest charges on my most recent statement. I had paid off my balance in full that month and did not understand why I was being charged another {$64.00} in interest. I was told this was due to " carry over '' interest. Like many Americans, I was not aware of this stipulation. The only reason my balance was high was due to tuition payments for which I was waiting on reimbursements for. I called as soon as I saw the statement. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reminded them that I am well aware of the new CFPB regulation about junk fees and amounts that went into effect on the XX/XX/XXXX deadline. 

In the last several months I was just hours late making a payment on the mobile app, and I was charged a {$40.00} fee within hours of the payment deadline. This happened twice, XX/XX/23 and XX/XX/23 - my payments are due on the XXXX of each month. These fees were assessed on the due dates of each payment within hours of their before midnight deadline. I explained given that I paid those late fees so recently I should not be charged this carry over interest. So far this year I have paid over {$1000.00} in interest on this account. Considering the maximum is now {$8.00} down from {$41.00} for a late fee. 

A supervisor heard the details of the case and in less than XXXX minutes refused to waive the {$64.00} interest on my {$0.00} XXXX credit card statement. 

If I choose to close the account, I risk losing the longest account history on my credit report which would seriously adversely affect my credit. 

Refusing to waive the interest in this situation is abusive on Captial One 's part. They were well aware that these new regulatory rules would be put in place and continued to charge fees abusively up until the date. I informed them I would submitting a complaint considering they would not be willing to waive a mere {$64.00} in interest. 

Please take strong action against Capital One for their abusive practices. Their mobile app still says the late payment fee is up to {$40.00} at the time of this complaint XXXX EDT XX/XX/23. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by TransUnion for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number # XXXX. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, TransUnion has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

TransUnion 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, TransUnion has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold TransUnion accountable for their actions and ensure that they comply with the FCRA. I am also requesting that TransUnion take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that TransUnion block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (FL)

Unknown person using my first name, incorrect middle initial, and last name, and using my current address but incorrect phone number, opened credit card account at XXXX XXXX XXXX XXXX XXXX XX/XX/2023. XXXX XXXX notified me by US mail on XX/XX/2023 that " my application contained unsatisfactory or unverifiable information '' and denied issuance of the credit card. However, XXXX charges of {$230.00} were made on the card ; XXXX charges of {$1100.00} were also made. These charges appear on my credit report at Experian and are fraudulent. 
Attempts to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX via their website and ( several ) published ( automated only ) phone numbers were unsuccessful as an account number is required -- I have no account. I have been unable to reach a customer service rep with XXXX XXXX to dispute this issue and have the erroneous unpaid and delinquent credit card charges removed from my Experian account. 
Disputes filed in both my and my wife 's names with Experian in XXXX and XXXX.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (MA)

On XX/XX/2022, my Chime account was closed without any explanation. I have not been provided with any details or reason in regards to the closure of my account. 

I was previously a Chime member and had a Credit Builder Account which has negatively affected my credit score as a result of Chimes decision to close my account. Ive tried reaching out to Chime Customer Service over phone and email for more information, but to no avail. 

It is completely within the rights of Chime to end our banking relationship. Would I have appreciated the details of my infraction? Absolutely. 

Due to the unfortunate circumstance, I have been in contact with my attorney, and are currently looking into taking legal action against Chime.
Consumer complaint received 2023-07-18
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: Monarch Recovery Holdings, Inc. (NY)

I disputed a collection account reported by Allied Account Services Inc. ( Account # XXXX ) to XXXX. 
I 1st filled out the dispute form and was assigned File ID # XXXX by XXXX. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

Allied Account Services responded in a letter dated XX/XX/2023, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied.

Allied Account Services ' collection account, based on XXXX XXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that Allied Account Services have this collection account removed from XXXX and any credit reporting agency immediately. 
Then I yet again received a letter from Allied Account Services, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX was wrong in billing me in the 1st place. 
Allied Account Services did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.
Consumer complaint received 2023-04-28
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. (NC)

Dear Sir/Madam, I am writing to request your assistance in resolving an issue regarding inaccurate information on my credit report. I have reviewed my credit report and found that there are inquiries, late payments, and collections listed that are in breach of the Fair Credit Reporting Act, specifically 15 U.S.C 1681.

The aforementioned information is in breach of the Contract of reporting act as it is incorrect, unjustified, and a defamation of character. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. I have not authorized these inquiries, late payments, and collections, and they do not reflect my financial history accurately. Therefore, I kindly requested that these items be removed from my credit report.

Due to these inquiries, and negative reporting have not been able to obtain housing which has been detrimental to my livelihood. Credit Reporting Act 15 U.S.C 1681 states that there should not be any damaging information on my credit report. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2023-04-28
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-05-01
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. (FL)

I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (DC)

I am experiencing XXXX XXXX due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (TX)

I received a call on cell phone indicating, " XXXX XXXX. '' I was told I was being contacted because they suspected Fraud. Someone had filed a new application for a XXXX XXXX  using my SSN and 2 addresses : one in LA and one in TX. They correctly stated the last 4 of my SSN. That was very suspicious as I travel almost weekly between LA and TX. I indicated it was Fraud. They told me to hold as they would put me through to their credit reporting department that would filed an alert with the XXXX Credit Bureaus. I had my husband dial the number on my cell phone : XXXX. A recording indicating we had reached " XXXX XXXX XXXX '' came on and asking us to select an option. Both men I spoke to had heavy accents and one indicated his name was XXXX XXXX. The accent definitely did not match the name. I hung up and called XXXX XXXX, who indicated no new application with my SSN had been filed. Upon closer examination of the info on my cell phone, it indicated " XXXX XXXX. '' No cc company is going to have an employee call on a cell phone. This was a scam and attempt to get more of my personal information. Beware! They have set up the line to appear legit with the " XXXX XXXX XXXX '' voicemail.
Consumer complaint received 2024-10-23
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist.. ( please remove this account before I seek litigation for the defamation of character. ) XXXXXXXX XXXX  BAL. {$0.00}, XXXX XXXX Bal. {$20000.00}
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (CA)

For the past year i have been contacting XXXX about XXXX accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. XXXX File Number XXXX
Consumer complaint received 2024-09-25
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-25
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX