davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was once a subscriber to XXXX XXXX XXXX XXXX service and enjoyed the meals and service. Because we weren't cooking at home as often, I paused the subscription and then attempted to cancel it. on XX/XX/23, I received an email from XXXX XXXX representative XXXX statins that she had " deactivated my account and removed billing and email information ''. I then received another meal. I assumed it had been shipped prior to the email from XXXX. I then received XXXX more meals and each time, I reached out and replied to XXXX ' original email to let her know that service had been canceled, I had not been on the website to change meals, and I should not be getting them. I checked the credit card I use most often, XXXX  XXXX XXXX, and found nothing charged. I finally looked at my Capital One card and low and behold, there were the charges. I immediately disputed the charges and they were temporarily removed. There had been XXXX shipments and XXXX charges, and I disputed XXXX, because clearly I had communicated with XXXX prior to the last XXXX being shipped as you'll see from the timeline below : XX/XX/23 email cancellation confirmation from XXXX XX/XX/23 Home chef charge XXXX initially but realized package XXXX have shipped before reply from XXXX XX/XX/23 XXXX chef charge XXXX # XXXX XX/XX/23 Response email sent to XXXX regarding continued boxes XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Another response email to XXXX regarding continued boxes XX/XX/23 Dispute was filed with Capital One when charges were realized they were there XX/XX/23 Received letters from Capital One that confirmation showing no cancellation per policy received and that correct documentation had not been received XX/XX/23 resubmitted complaint with all requested documentation XX/XX/23 Received statement saying they had closed the case because all documentation needed was not included. 

Ive attached ALL documentation that I have. I plan to cancel this card because if this is the way Capital one does business, I want not part of this. I am a college educated professional with a credit score over XXXX, which shows I pay my bills and take care of my business. As youll see from documentation attached, I have dotted my eyes and crossed my ts and done everything I could to XXXX these shipments and XXXX them from being charged for something I never ordered/wanted to continue. 

Thank you for the consideration and please reach out if I can clarify or answer any other questions.
Consumer complaint received 2024-05-16
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. (PA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have several hard inquiries on my credit report I do not recognize, I did not authorize. hard inquiries such as XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are all unauthorized hard inquiries. 
Fraud alert has been placed on my report twice. One time in XXXX and XXXX. All hard inquiries should be taken off my credit report. Ive sent letters and letters of the law have been sent to all three bureaus. Please remove inquiries from Equifax.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I had a home loan from JPMorgan Chase for 10 years. I was never late on any mortgage payment the entire 10 years that the mortgage was outstanding. However, when I sold the home my Closing Attorney send JPMorgan the Payoff letter and the check to the outstanding balance. JPMorgan received the but it somehow did not get accounted for on the date the mortgage payment was due. JPMorgan, reported that I was late on the very last payment listed on my Credit Report. This is very outrageous given my long standing relationship with them and given that I paid my mortgage payment on time every month for a decade. 

It has been extremely difficult reach anyone who could help resolve the matter. As you my be aware it is the largest bank in the world yet it doesn't have the ability to help long standing clients with issues such as this. 

I would like the late payment removed from my credit report because I was never late on my mortgage and can not be responsible for an issue with the payoff letter that might have happened in their backoffice.
Consumer complaint received 2024-05-16
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
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)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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.

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I am unable to view or get my credit report from equifax. I have not been able to get it since may. I reached out to them in XXXX and was told there was a internal block on my report and in order to remove it I would have to send in a letter and a picture of my drivers license and social security card. I did this in XXXX. I called back and they said they still arent able to lift the block. When I look on the website it says blocked for promotional purposes, Im not sure what that means. I can not see the items on my credit report, there for I cant fix my credit. I have tried multiple times to fix this issue, may you please get my account fixed so I can see my credit, thanks.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

LVNV FUNDING LLC a collection agency for XXXX XXXX XXXX of South Carolina. LVNV FUNDING list on all three credit bureau for me as a charge off for {$1000.00} in XX/XX/2014. And neither company can provide me with proof that this loan is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 4 years.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with TransUnion was never late! I have had exceptional payment history with 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 my 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 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.

TransUnion 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 2024-05-16
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. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NC)

I paid the remaining balance based on their payoff quote of XXXX. I did this on the XXXX XXXX of XXXX. They told me it would be 7 business days. Then it is XXXX to transfer my title to the state.
Consumer complaint received 2024-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC ()

My father died intestate and insolvent in XXXX, XXXX. 
XXXX month later I sent out the required XXXX XXXX XXXX, showing my father 's accounts were nearly empty ( approximately {$1300.00} remained ). As the XXXX of Oregon gives a " proper and decent burial '' precedence over debts when ordering executor financial decision making priorities, the entirety of his resources were more than expended by the lowest cost cremation service available. 
XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX contacted me, attempting to collect on {$1300.00} of medical debt. I called the number they provided and sent them a copy of the estate affidavit. In both instances it was made clear to them that the account was insolvent, no resources were available to repay the debt and as I had not comingled my own finances with his, I would not be taking his debts on as my own. 
Now, in XXXX letters dated XX/XX/XXXX, XXXX XXXX has reiterated their claim despite having been told to desist. When I called to give them a last chance to back off prior to this report, I was directed to an offshore call center which attempted to force me into saying " ok '' for no apparent reason ( I suspect for fraudulent purposes ).
Consumer complaint received 2024-05-16
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. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account name, XXXX XXXX XXXX has violated my rights. 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.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (CA)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Simply providing me with the policy number, policy dates and balanced owed is not adequate validation. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2024-05-16
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's imperative to adhere to FCRA 605B and remove any incorrect accounts from my credit report. Please address the inaccuracy promptly and compensate me with {$1000.00} per error.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (FL)

I attempted to make a deposit of {$420.00} on XX/XX/23 at a PNC bank atm located at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL onto my XXXX account. I received the following error message " action selected is not available at this time '', please retry ''. The ATM did not dispense the money back to me. I attempted to call the bank to inform them of the incident, but I received the message that the bank was closed. I went to the bank Monday XX/XX/23 morning at XXXXXXXX XXXX to speak with a teller to inform them of the incident. I was told to contact my bank or servicer, which is XXXX. XXXX would need to submit a dispute with the bank. I have contacted XXXX multiple times, and I was informed that the transaction isn't showing on their end, and they can't assist me any further. XXXX told me to contact PNC bank to resolve the matter. I called PNC bank customer service, and I was told that only XXXX could submit a dispute. I have went back and forth between XXXX and PNC bank and neither of them have been able to assist me with this matter. I attempted to obtain information of the ATM servicer, but I was told that only PNC bank customer service number is available on the ATM, and XXXX picks up the cash from the ATM. I am trying to obtain information on how to resolve this issue because the funds are needed desperately.
Consumer complaint received 2024-05-16
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. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-05-16
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. (PA)

Hello, my name is XXXX XXXX, I am writing to have the following information in my file removed. These items listed below need to be removed immediately. I am a victim of identity theft and did not make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been having several issues with this bank since suntrust bought it. I have been charged just in the last month over XXXX dollars in XXXX fees. I have a secured credit card and an overdraft protection on this account and they charge me overdraft fees and then credit my deposits this bank is horrible.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report back on XX/XX/year>, and noticed some things were incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number If you look through my attachments, you will see that everything is not correct and comprehensive, despite their claim that everything was when they submitted the investigation back to me. Furthermore, they are expected to handle false or unverifiable information in accordance with 15 USC 1681i 5.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law, they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.

However, they also did not perform that well.

Additionally, they are required by 15 USC 1681s-2 to refrain from providing any consumer-related information to any consumer reporting agency if the individual knows or has a good faith belief that the information is untrue.