davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
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. 

I have attatched a document supporting my claim of XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX reporting inaccurate information on my credit report, I highlighted all inaccurate parts of the report. 

IM REQUESTING THAT ALL ACCOUNTS MENTIONED TO BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate XXXX  XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate
Consumer complaint received 2023-07-02
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. (GA)

On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by XXXX, Experian, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against XXXX and Experian. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I always pay on time. Consumer reporting agencies play a vital role in reporting accurate information. This information must be reported with utmost accuracy. 
I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into the discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of this late payment. As you will see in the attached XXXX Credit report I was never late. It's required by law that all credit bureaus report the same information.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid 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 (SD)

I received an offer in the mail from Capital One Quicksilver Rewards during the week of XX/XX/XXXX. The card states I'm pre-selected for a 0 % introductory APR offer. It states on the envelope the APR applies to purchases and balance transfers.

Opening the information received, the offer continues to state the card offers a 0 % introductory APR on purchases and balance transfers. 

Upon further review of the enclosed term sheet, the card actually has a 3 % transaction fee for transfers. This fee will be " 3 % of the amount of each transferred balance that posts to your account through your XX/XX/XXXX billing period or at a promotional APR that we may offer you at any other time. '' Under Regulation Z, 12 CFR 1026.4 ( a ), and the commentary ( comment 4 ), " any transaction charge imposed on a cardholder by a card issuer is a finance charge, regardless of whether the issuer imposes the same, greater, or lesser charge on withdrawals of funds from an asset account such as a checking or savings account. '' Additionally, Capital One 's own website states : " APR vs. Interest Rate : What's The Difference? .... The APR is a broader measure of borrowing costs. It can include the interest rate plus other costs, such as transaction fees and discount points. '' Date, XX/XX/XXXX, source - https : //www.capitalone.com/learn-grow/money-management/apr-vs-interest-rate/ # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, to % XXXX % XXXX % XXXX % XXXX. 

In summary, advertising this particular offer as " 0 % introductory APR on balance transfers '' is inaccurate and deceptive. The regulatory definition of finance charges clearly includes these transaction fees and would require their inclusion into the APR disclosed. Advertising the promotion as 0 % introductory APR on balance transfers when the offering literature discloses a 3 % transaction fee misleads customers : Customers open the offer expecting a truly 0 % ( no fees ) offer, and then are disclosed a fee. This appears to be a bait and switch tactic. 

Capital One appears aware of the difference between APR ( which includes finance charges, like a transaction fee ) and interest rate, as evidenced by their website quote, yet is not utilizing this knowledge in preparation of its marketing materials.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (MD)

I placed an order on XX/XX/2022 at happycards.com, which is serviced by BlackHawkNetwork, for 10- {$500.00} XXXX XXXX XXXX egift cards, for a total purchase price of {$4700.00} after the use of a coupon code. I never received a confirmation email, never received the egiftcards, but my XXXX credit card ending was charged for the full amount. I have called various customer service phone numbers listed on their website, always being rerouted to someone else and all attempts to talk to someone who can help have been futile. I have gotten nowhere with either receiving the giftcards I purchased, or getting a refund for the purchase.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.
Consumer complaint received 2023-04-14
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: BARCLAYS BANK DELAWARE (VT)

On XX/XX/2023, I purchased gasoline at a XXXX station in XXXX with the following address : Service Station XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, de XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX, XXXX XXXX, XXXX XXXX The attendant spoke limited English and I speak limited XXXX. I tried to pay by credit card, but my credit card company ( Barclays Jet Blue Mastercard ) immediately flagged it as a potentially fraudulent purchase by simultaneously sending me text and email messages and calling my cellphone. Instead of dealing with my credit card while struggling to communicate with the attendant in XXXX, I paid in cash. The total was {$540.00} pesos. 

When I returned to the United States, I saw a charge for {$540.00} USD on my credit card statement ( Barclays Jet Blue Mastercard ). Unfortunately, I did not save the receipt for the cash purchase, which my credit card company is requiring for the dispute resolution process. Because I selected " paid by other means '' as the basis of my dispute, Barclays will not reach out to XXXX on my behalf to request a copy of the business records. Nor will they allow me to change the basis of the dispute to fraud so I can obtain additional assistance from their dispute resolution department. 

After receiving a written letter from Barclays denying my dispute, I called to explain the situation and to request either an extension of time or to change the dispute basis. I also sent a certified letter describing the situation in detail, including copies of emails and online complaints I filed with XXXX to show my efforts, and requested they reopen my dispute. I received confirmation that the letter was delivered to Barclay 's XXXX XXXX XXXX XX/XX/2023, but they have not signed for it yet. 

I have tried repeatedly to get in touch with XXXX by online complaint forms, emailing various email addresses, and mailing a letter in English and XXXX. I have received no response to any of my inquiries. I requested either a copy of the records showing a cash payment in the amount of approximately {$540.00} pesos on XX/XX/2023 or for them to reverse the charge on my credit card. I have repeatedly tried calling XXXX at the number on their website ( XXXX ), but the recording is in XXXX and I have been unsuccessful in reaching an operator. 

To summarize, the problem with the charge on my credit card is two-fold : 1. I already paid the full amount of {$540.00} pesos at the gas station in XXXX. 

2. The charge for the gasoline I purchased in XXXX was {$540.00} pesos, which is approximately {$40.00} U.S. dollars. The amount I am being charged on my credit card is {$540.00} U.S. dollars, which is a fraudulent amount. 

Complaint Against Barclays JetBlue Mastercard and XXXX Amount of Loss {$540.00} Incident Date XXXX
Consumer complaint received 2023-04-15
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. (NJ)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these items in my file : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion I demand all delinquent accounts & Inquiries you are reporting in my consumer file to be removed! 
Your delinquent reporting has defamed my character and limited my ability to extend commerce transactions within society 15 U.S. Code 1681 ( a ) ( 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. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists. 

This matter has been ongoing for several months, You now have 10 days from reciept of my request to resolve this matter. 

15 U.S. Code 1681 ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Consumer complaint received 2023-04-14
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 (TX)

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX  become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Yes Hard Inquiries have been addressed with the XXXX major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, XXXX, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KS)

I had XXXX us dollars in a usd wallet held on coinbase. My account is 100 % verified and I have used it multiple times. Bitcoin had started to increase in price so I wanted to buy some, after reading every detail on the website Nd reading faq to make sure no delay would happen, I decided to buy in at XXXX per bitcoin. 

The website states if using credit debit or usd balance it would be instant. 
After the purchase on XX/XX/XXXX the transaction stood pending and to be deposited by end of day XX/XX/XXXX. ( Stated on website ). 
I was not upset it was n't instant at the time, but now XX/XX/XXXX and my money is still gone and no bitcoin.. Basically I have had XXXX dollars stolen from me for false promises and I have emailed over 10 times including reaching out on XXXX and have had no responses, except 2 weeks ago stating they are looking into it. 

I just want my money back, but due to multiple people having this issue, how can there website state the purchase will be instant if it can take up to a month with nothing not even in faq stating this.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX I called the number on the back of my card because my transaction was declined come to find out someone has been using a copy of my card making purchases and taking money out all while I was still using my card on a daily basis. My claim amount and number is # XXXX {$6000.00} the second claim was # XXXX {$1400.00} then I was advised I had nothing to worry about id be given a credit and they would do their research a couple of days later no credits to my account had been applied so I called ad the SPECIALIST that had helped me the first time made a duplicate claim of both claims which got my claim automatically denied because it was as if I was trying to lie my way to get credit. which in itself is not accurate because it was never my mistake then they reopened the claim but I had already had a bad start with there now being 4 multiple claims that I had supposedly filed. they never credited me anything and still deny the fact that they need to refund me the money that was stolen.
Consumer complaint received 2023-04-14
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. (GA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2023-04-14
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. (WI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation