davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX XXXXXXXX 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  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-09-04
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. (VA)

XXXX XXXX reported my account late. My credit history was perfect with them as I am on an auto pay for my time share. They stated that the card declined. This is impossible as I shared with them my bank balance on the dates they supposedly ran the card. They can not tell me why it " declined '' as their accounting software seems to be antiquated from that perspective. I spent countless hours on the phone with them and got literally nowhere. I had no notification from my bank that they even tried to charge the card and if they did charge it and it " declined '', it couldn't have as I have overdraft protection on that account and card. 
I called on XX/XX/XXXX, no resolution after XXXX hours on the phone as their phone lines kept disconnecting. 
I submitted a dispute thru Experian on XX/XX/XXXX and XXXX XXXX responded within hours stating they were correct. I disputed again on XX/XX/XXXX with backup showing my bank balance at that time and they denied it again. I don't believe they even reviewed it. I have no late payments on my credit report and this has negatively affected my credit score through no fault of my own.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-20
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. (NV)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-08-26
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : 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 XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-26
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

I am filing this complaint regarding the inaccurate reporting of an auto loan by CarMax Auto Finance under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with CarMax due to defects in the product.

Additionally, CarMaxs reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, CarMax continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with CarMax directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, CarMax continues to report the account as charged off, without noting the arbitration status or including any repossession information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AZ)

I disputed multiple credit card accounts being listed on my credit profiles with XXXX, XXXX, and XXXX, I have not to this date been mailed any documentation of these accounts in fact being mine and I believe the information to be incorrect.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681a/ ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 informations Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-24
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. (FL)

I have sent multiple disputes to XXXX, XXXX, and Transunion. No one has sent me results. I have provided XXXX bureau tables of the errors in my credit report. I have the right to fair and accurate credit report. All XXXX credit bureaus are violating my rights. I demand the errors be fixed or deleted. I have attached letters sent to all XXXX bureaus.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I have a XXXX American Express credit card with a credit limit of {$1000.00}. Recently I noticed that American Express increased my annual fee to {$650.00}. I contacted them through their online chat and explained that I was not aware of this increase, nor did I agree to it. I requested a confirmation where I was notified and agreed to the increase of {$650.00}, but the American Express online chat representative could not validate or confirm. See attached conversation dated Saturday XX/XX/year>. The representative said : " On XXXX XX/XX/year> we increased the annual fee to {$650.00} '' Then said : " We've sent you communication last XX/XX/XXXX ''. 

It is unfair, and I find it highly deceptive trade practice to increase annual fees 50 % greater than my credit limit. 

To comply with the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Bureau laws, I am requesting : 1. Documentation that substantiates my Acknowledgment and Agreement to annual fee of {$650.00}.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I opened a store credit card account last month at XXXX XXXX and enrolled in a promotion ( no interest for 1 year ). When I received my statement, I noticed a promotional FEE was added. I was not aware of this fee nor was anything disclosed or provided to me about this fee. I would not have opened the account if I had know about the junk promotional fee. I called the Bank ( Comenity ) and was told that I needed to contact the store for resolution. I called the store and was told that I needed to call the Bank for resolution because they were not aware of this fee and it was a fee charged by the Bank. I returned the merchandise but the fee is still on the account and the Bank ( Comenity ) has refused to remove. The account has been closed by the Bank without my knowledge with an outstanding balance of that fee only.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (DC)

The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. A 15 U.S.C. 1681 letter without a name refers to a specific type of correspondence used in the context of consumer protection laws in the United States. Under the Fair Credit Reporting Act ( FCRA ), which is codified in Title 15 of the U.S. Code ( U.S.C. ), individuals have the right to request and dispute information contained in their credit reports.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

I electronically wire transferred {$1500.00} on XX/XX/year> at XXXX XXXX ET to Venmo through XXXX  XXXX XXXX and learned Venmo does not accept wire transfers. When I got with a Venmo assistant, they closed the chat on me rather than explaining what steps would be taken. The representative name was XXXX.
Consumer complaint received 2024-09-20
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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. Someone used my social security number to open these accounts.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have mailed Capital One 's CFO XXXX XXXX XXXX, CFO 3 times in regards to Tender of payment for the bill of exchange, have not received any response.

I sent them my security.

I am disputing all past current and future certificate of indebtedness on this account.

ALSO I am writing to claim my Titles, Rights, Interest, and Equity in connection with my closed account referenced above. As the investor and holder of the security used to open this account, I am owed all interest and equity derived from the associated contract. 

Please note the following : No accounts actually close : Even though the account may be marked as closed, the security continues to trade on the private side. Therefore, I claim my equity and interest owed to me as part of this process.

I entered into this contract in good faith, providing you with my secured collateralthe application itselfwhich is tied to the account and acts as security. As such, I am entitled to equal consideration under the contract, including any interest earned. 

Full disclosure is required by law. I demand confirmation regarding the handling of the interest on this account. If no interest has been provided to me, this constitutes a serious violation of SEC Securities Law.

Per 15 USC 1615, anything over {$1.00} must be returned to the rightful owner. I provided you my security, and I expect my rightful share of the interest and equity generated by it.

Capital one is also trying to collect on a " charge off '' when a charge off is considered income per the IRS which is against FDCPA.

Violation of TILA Securities fraud.

My account was never credited Via Electronic Funds Transfer Act from the dividend payment that capital one got from the interest of my treasury coupon.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Basis for dispute : Account Name : XXXX XXXX, Account Number : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). Date Opened : XXXX shows XX/XX/XXXX and Experian and XXXX show XX/XX/XXXX, Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.