davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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)

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2022-05-23
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 (HI)

On XX/XX/2021, I disputed a charge on my Capital One Venture credit card. Per Capital One request, I uploaded a statement, along with supporting documents, explaining the reason for my complaint. Capital One kept responding with generic letters, saying that I did not submit requested information. As I kept asking them to clarify what information was missing over the phone and in writing, and repeatedly uploading the supporting documents, they just kept responding with the same generic statements and never explained what was missing.
Consumer complaint received 2022-05-23
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. (GA)

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX DELETE this account. XXXX XXXXXXXX XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. DELETE this account.
Consumer complaint received 2022-05-23
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. (IL)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. Please investigate that every piece of information is correct. If not, please remove it from my credit report. This Information is not mine I have attached my police reports and a letter of closure from one of the consumers. I reported this to them immediately and they closed the account. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-23
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. (TX)

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 ] - Title 15 Section 1681, XXXX  Account ( s ) : ( XXXX XXXX, XXXX XXXX XXXX | XX/XX/2020 ) has violated my rights : 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 

XXXX5 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. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. 
( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-05-23
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: WELLS FARGO & COMPANY (FL)

I participated in a carpool because the cost of gas and inflation. Well my credit card was stolen from me ( I am guessing because it may have slipped out of my purse during the car pool with 4 other people. My Card was used at XXXX and XXXX XXXX and I truly believe that the credit card company is discriminating against me and not returning the funds that I did not use. They should know if you carpool with people they know how you look and they may have worked around that .I don't know but it has been a battle getting them to fix the problem.
Consumer complaint received 2022-05-23
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. (CO)

Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to 15 usc 1681a ( 2 ) ( B ) The accounts US DEPT OF EDUCATION and DEPT OF ED / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair situation.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

A XXXX XXXX XXXX debt account being serviced by XX/XX/XXXX with partial account number XXXX has been showing on my credit report with all XXXX credit reporting agencies since last year. I have tried to reach out to Advantage multiple times by phone to get proof of debt as I do not have anyone in school with financial assistance nor have I applied for XXXX. Everytime I call I get a recording and when I choose the option to talk to someone the call hangs up everytime. The account is showing current with someone ( not me ) making payments on it. I have disputed this account multiple times with all XXXX credit reporting agencies since XX/XX/XXXX asking for proof of debt and each credit reporting responds to my disputes that the debt is valid without providing proof of debt.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC ( HSBC BANK USA NA ) closed my online savings account without notifying me of them closing it, in the amount of {$52000.00}. I logged into my account in XX/XX/2021, and by XX/XX/2021 they closed my account without email or call notification. They sent a notification to an old address I had on file, along with sending a 'live ' check to the wrong/old address on file. 

I have been trying to track down my life savings money since XX/XX/XXXX - and HSBC has not yet remedied the situation. They still have my {$52000.00} of cash sitting in their bank and will not release it to me unless I fill out an abandoned account form - that they promised they would send to me on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the form. 

My most recent discussion with them today, XX/XX/XXXX, stated that they turned my funds over to the Illinois State Unclaimed Property. The HSBC records showed this finding on their files on XX/XX/XXXX and despite having conversations with me on XX/XX/XXXX and again XX/XX/XXXX, they did NOT communicate this news to me. I am now left to go search Illinois unclaimed property and have {$52000.00} missing of my life savings. 

HSBC did NOT handle this in an informative way, they bounced me around to many different people, wasted my time because i could have gone to IL state already in XXXX had they notified me of the correct information. And again, they put my account in abandonment when I logged in XXXX but they closed my account in XXXX WITHOUT any notification via email or phone call. This has caused major stress and impacted my ability to use my life savings. And I still don't have my money because I am now trying to track it down from the State of Illinois.
Consumer complaint received 2022-05-23
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. (IL)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please investigate that every piece of information is correct. If not, please remove it from my credit report. This Information is not mine I have attached my police reports and a letter of closure from one of the consumers. I reported this to them immediately and they closed the account. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

On XX/XX/2022 I began receiving advertisements in the mail for debt resolution. In one of these advertisements, I learned that I was being sued by Velocity InvestmentsXXXX for an unspecified debt. I looked up the case number provided and learned that this suit was filed on XX/XX/2022. I have never received any documentation from Velocity InvestmentsXXXX regarding any debt. I was never served any documents regarding this suit. I have reviewed my credit report and have no collection from Velocity InvestmentsXXXX XXXX I have attempted to recieve more information with help from my lawyer.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on my credit report.
Consumer complaint received 2023-08-27
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. (GA)

i have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. 

Acct Name : PROFESSIONAL DEBT Original creditor : XXXX XXXX XXXX  Account # XXXX Acct Name : XXXX XXXX XXXX Acct XXXX XXXX Dear Transunion, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 

I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (WI)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2024-10-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Transunion I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank Attn : Customer Service [ Chase Headquarters Address ] XXXX XXXX, NY XXXX Chase Card Services Attn : Customer Service XXXX XXXX XXXX XXXX, DE XXXX Subject : Final Notice- Intent To Sue - Demand for Transfer of Applied Credit and Accountable Notes Dear CEO XXXX XXXX , CFO XXXX XXXX I am writing this letter as a final notice regarding the transfer of all applied credit and accountable notes to my account ending in XXXX, which is due to the principal account. I regret to inform you that if these matters are not resolved promptly, I will be left with no choice but to take legal actions to seek resolution. 

I would like to reiterate that all billing statements have been accepted and endorsed by me on behalf of the principal debtor as surety for the principal. They were sent to Chase headquarters located in XXXX XXXX, NY XXXX, with tracking number XXXX, as well as Chase Card Services at XXXX XXXX XXXX, XXXX, DE XXXX, with tracking number XXXX, which was signed for upon completion of delivery. Additionally, I made another attempt to claim all applied credit and accountable notes on XX/XX/2023, with tracking number XXXX. 

It is of utmost importance to express that I have approached this matter in good faith and with clean hands. I have made numerous attempts to claim all applied credit and accountable notes, specifically addressing CEO XXXX XXXX and CFO XXXX XXXX. Regrettably, they have failed to fulfill my request and neglected to respond, leading me to believe that they are intentionally disregarding these matters. 

I want to emphasize that the performance of the CEO and CFO of Chase Bank constitutes a material breach that impairs and destroys the essence of our contractual agreement. As a result, I am left with no choice but to pursue legal action, seeking damages for breach of contract, negligence and defamation of character. 

I sincerely hope that this final notice will prompt swift action to resolve these matters. However, if my demands are not met within a reasonable timeframe, I will proceed with legal action to recover the damages caused by the breach of contract by the CFO and CEO of Chase Bank. 

I trust that it will not come to that, and I look forward to a swift resolution of this matter. Please acknowledge receipt of this letter by contacting me at the phone number or email address provided below. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, Done in good faith By : XXXX, XXXX XXXX, surety, Grantor
Consumer complaint received 2024-10-09
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)

I am a victim XXXX  XXXX XXXX. I have forwarded the pertinent information to Transunion. They have responded by stalling and requesting for further proof of address. I request that the account listed below be blocked within 4 days as per FCRA 1. XXXX XXXX XXXX. This account was obtained fraudulently as I am a victim XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
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. (NY)

I've submitted an Federal Trade Commission Report to all credit bureau 's about the fraudulent account stated. TransUnion is the only one that hasn't made the corrective changes to the fraudulent accounts. XXXX and XXXX has followed the laws properly pertaining to FCRA and removed all fraudulent accounts as I am a identity theft victim. I've given TransUnion the same information as with other credit reporting agencies and they failed to clear fraudulent accounts immediately followed by Federal Trade Commission lawful report signed. Therefore, at this time I will file a lawsuit directed at TransUnion for punitive and compensatory damages for the problems they causes me and my family. TransUnion has ignored the laws governing credit reporting and identity theft victims. Thank you.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NJ)

Discover Card was paid in full and then an interest rate popped up on a card with {$0.00} that was paid off. The company never alerted me of this or sent me a statement to alert me a payment was due. The account became delinquent and when i saw that, i immediately fixed the issue and paid the card.