davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deer Park NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XXXX XXXX gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. 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 an 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 2018-08-27
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 (AZ)

On XX/XX/2018 I purchased a computer from XXXX for {$1500.00}. I paid thru XXXX. When I received the computer, it was not as described. I received a shipping label from the seller, and returned it the following day. My case with XXXX is XXXX. After I returned the computer I called Capital One, my credit card company and disputed the charge. They issued a credit, contacted XXXX, but asked the wrong question. They asked if I had received the item, instead of asking if I had returned the item. Which of course I did. My case with Capital One is : XXXX. Capital One reversed the charge. I contested it, with negative results. I provided them with the USPS tracking number XXXX. The tracking number proved I shipped it back, but shows that the USPS made several attempts to deliver the computer but that no proof of acceptance of delivery was obtained. 
I talked with XXXX agent ID number XXXX of Capital One, and was told that since no proof of delivery was made, that would not reverse the charges. 
XXXX agreed with me, and tried to credit my account, but the case with XXXX and Capital One was still pending so, they could not do anything. 
HELP!
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions Specialist, Inc. (TX)

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

This company did not provide a copy of its surety bond as they stated in compliant XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (IL)

mr coopr might of ent letters but not to me because i didnt get them nor did i receive any phone calls from them i straighten out the matter as soon as i found out with XXXX effort on mr cooper XXXX i didnt vomplain i payed up as sooh as i found out of my own accord even though amout doubled which should count for something
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (OK)

XX/XX/2018 Today is payday for me and no direct deposit and when I called no one answered or I was on hold for an hour no via emails or phone call about any problems ( they are not answering calls for this problem )
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (TX)

Direct deposit was not added to my card. Tried call ing NetSpend and XXXX and was told there was a glitch which unbeknownst me was happening for more than five days. No one contacted me as to the problem occurring which would have allowed me to contact my employer to not do direct deposit and find other means of recieving my paycheck. XXXX and NetSpend have disabled their phone lines preventing anyone experiencing problems with their cards from contacting them. My rent s due and my food supply us low. I need my money  now!
Consumer complaint received 2018-10-16
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)

Experian is reporting 3 collection accounts that do no belong to me. I believe it is because I am a Senior and my son had the same address for a period of time. They are reporting that XXXX XXXX has 3 medical collection accounts with account numbers : XXXX, XXXX, XXXX. 

Experian is not reporting the contact information for XXXX XXXX so I can contact them and ask them to remove it and conduct an investigation so I have to guess who they are and try to find the company. I have never heard from XXXX XXXX and they have NEVER attempted to validate this debt yet Experian just puts it on my report with no notice or way to contact them.
Consumer complaint received 2018-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc. (CA)

I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. 
My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. 
On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. 
However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One /Auto Finance continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I look on my account on line. on XX/XX/XXXX. i noticed that there is 7 deliquent notices and i have never recieved one of them. I should be recieving this information in the mail. now on my account, for i do not check my account on a daily basic, I did send them information to lower my payment in the month of XX/XX/XXXX.Copy of my paycheck, bank statement and my XXXX  for XX/XX/XXXX/XX/XX/XXXX. I did not recieve any information that they recievced it. NOT even on there web site. because of this i am behind on payments. my financial  situation has changed.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I payed a kohl 's credit card on XX/XX/2018 with the amount being : {$150.00}. 

The issue that I have is that I was never given any alerts or mail that I had a due date coming up or even a statement of when my payment would be due. I have called their customer support and they realized their mistake and issued me a credit reversal which refunds me the late fee but was told they didn't have access to removing the delinquency from my credit history since they are only representatives. I have tried to reach out to the creditor but public information could not be found. 

I was only called once after 30 days being late and was told I was late but I had no knowledge. the same day they called me I payed the card in full as I never in my credit life have ever missed a payment or had any other forms of deliquency. 

I would like to work peacefully with the company to remove the delinquency and correct the error on my credit report.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have identified several items on my credit report that I do not recognize. These accounts appear to have been opened without my authorization, indicating potential identity theft. I previously reported this issue and now request the immediate removal of these unauthorized accounts from my report.

These accounts are causing me significant distress as they misrepresent my credit history and financial management. Resolving this matter has been a lengthy and challenging process. If the issue is not addressed promptly, I am prepared to take legal action to protect my rights and ensure a resolution. 

The presence of these erroneous items is severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that this matter can be resolved quickly to restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. Please let me know if additional documentation is needed.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 2023-07-10
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. (MA)

I am writing to file a complaint and request assistance regarding inaccurate information on my credit report, which I have brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received a response from them to date. As a concerned consumer, I believe that TransUnion has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following account : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This account does not belong to me, and I request that it be promptly removed from my credit report. 


Additionally, I request that TransUnion verify the following account for accuracy : Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Moreover, the Past Due amount should not be presented, as this account is closed and charged-off. I kindly request that you mark this account as disputed while I resolve the matter with the creditor. Furthermore, I ask that you verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2024-11-20
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. (NJ)

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these accounts and inquiries were opened or accessed without my authorization. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX