davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WA)

I had an account/subscription with XXXX which I canceled in XX/XX/year>, but XXXX still charged my credit card ( master card Athleta ) {$430.00} for the next year 's subscription. I called the credit card company ( XXXX ) and asked them to remove this charge since my account was canceled and I did not authorize it. The credit card company removed the charge and issued a new credit card in XX/XX/year>. I received a new credit card but did not use it. On XX/XX/year> the credit card company sent me a summary statement that shows the amount of {$430.00} on the new card. 
When I called XXXX they stated that " their investigation '' determined that this charge was not fraudulent and they put it back on my card. I wanted to be clear that my concern is that this charge is unauthorized, not fraudulent. They opened a new investigation ( case # XXXX ). I asked them to cancel my card. 
I have an email from XXXX that my account was canceled.
Consumer complaint received 2024-06-27
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. (IN)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name_XXXX XXXX______________ Date XXXX Account Number XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Consumer complaint received 2024-06-28
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. (MS)

I did not do this loan!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX XXXX WILL NOT PROVIDE ME WITH ANY TYPE OF INFORMATION OF WHERE A CAR/TRUCK WAS PURCHASED FROM AND WHAT OR WHERE THIS CAR OR TRUCK WAS REGISTERED!!! IF YOU CAN NOT PROVIDE THAT INFORMATION IT SHOULD BE REMOVED FROM MY CREDIT REPORTS ALL OF THEM. 

XXXXXXXX XXXX has been in the news for months about how they do XXXX people and I feel that is what is going on with this ; find a poor XXXX person and try and make their life harder ; XXXX people have to have XXXX plus just to be even considered
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-28
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. (IL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
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. (OK)

I discovered an inaccurately reported account when I recently checked my credit report. On this account, I made two late payments that I actually paid on time. The consumer reporting agency is required to provide accurate information in all cases. Payments for this account have never been late. A copy of my report for the following dates XX/XX/XXXXXXXX XXXX XXXX  is attached to this complaint. I'm asking you to look into this and give me records that attest to the fact that I received these late payments. I require that these payments be changed to be made on time right away if this information can not be verified. I appreciate your consideration and quick response in this matter.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-27
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. (VA)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All XXXX credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I paid off both my Chase credit cards at the end of XXXX, 2022. On XX/XX/XXXX, I saw there was {$.00} left on one of the accounts and I paid it, bringing the account to paid in full. Ever since then, and after filing two previous complaints, Chase has been adding interest and late charges to the account ending in XXXX ( Freedom ). They adjusted the amount down to {$37.00} a few months ago, saying they couldn't remove the residual interest and are charging me interest and fees on that amount, apparently. 

However, the other account, ending in XXXX had all the residual interest removed and has a {$0.00} balance. They had brought that amount down to {$5.00}, then gave me a credit balance of {$.00}, and now a {$0.00} balance. If they could remove the residual interest from one account, they could do it for both accounts. I paid both accounts off in full well before the XX/XX/2022 due date.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX, XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX  XXXX, and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX  XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-04
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. (FL)

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports.

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report.

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Consumer complaint received 2024-06-28
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. (NM)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX funds in the amount of {$800.00} were fraudulently withdrawn from my account using a third party ATM machine. This withdrawal was not authorized by me and I notified Bank of America immediately. I had my debit card on me so the only way this could have happened is someone duplicated the card and stole my information. Being an account holder with Bank of America I trusted them with my personal information but records show sensitive client information has been breached and compromised before. On XXXX Bank of America provided a temporary credit adjustment while they " Investigated '' on XXXX Bank of America closed my claim XXXX not in my favor with the decision " Unable to pay '' I called them immediately and demanded answers and requested back-up/proof, evidence any substantiating documents to corroborate their decision and justify the claim determination. Since XX/XX/19 I haven't received anything in the mail or phone call providing me updated status. I spoke with XXXX XXXX XXXX XXXX XXXX who assured me this would be taken care of. I emphasized the importance of the required documents I needed to provide to my lawyer, but I haven't heard any follow up. We only spoke to confirm that it was actually me who filed the complaint with the CFPB. I have attached all the documents related to this complaint for your reference. Your immediate help and assistance in mediating and resolving this complaint would be tremendously appreciated.