davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC XXXX.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-06-11
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. (PR)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number XXXX
Consumer complaint received 2024-08-06
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: MODERN FINANCE COMPANY (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (KS)

I took out a personal loan for XXXX in XXXXXXXX XXXX XXXX. I have made my payments usually early and for the last five months 3 to 4 times the minimum payment yet they continue to charge.me late fees.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX requirements. 

The inaccurate entry is as follows : Creditor Name : Exeter Finance Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report.
Consumer complaint received 2024-01-17
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 2024-02-02
Product: Credit 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 (NC)

Dear Representative, I am writing to move forward with a formal complaint against Capital One Dispute Department. My mother had signed up for a free trial with XXXX from XXXX XXXX XX/XX/2024. I permitted her to use my credit card to create an account and sign up for a free 30-day trial. On XX/XX/XXXX, my mother informed XXXX that she did not want to sign up for a yearly subscription and notified XXXX to discontinue the service once the trial was over by selecting a discontinue box on their website. XXXX automatically charged an amount of {$100.00} on XX/XX/XXXX to my credit card despite the request to cancel the service. XXXX has refused to process a refund. After speaking with them, they informed me that the service was canceled but because it was not canceled within 30 days, they will not issue a refund. There were several attempts made to cancel the service over the phone within those 30 days. Every time an attempt was made to resolve the charge with XXXX, the merchant did not answer the phone, and my mother and I endlessly waited on hold. 

I submitted a dispute case on this charge for the full amount to Capital One Customer Care Team. Capitol One issued me a temporary credit on XXXX and opened up the investigation. On XXXX, my dispute was denied by Capitol One because the merchant responded and told them I authorized the charge. I made a second attempt to re-open the dispute and sent documentation that I did not authorize the charge which was denied again by Capitol One. On XX/XX/XXXX, I called Capitol One and spoke to a fraud specialist who canceled my card and re-issued me a new card so that XXXX would not be able to make future charges to my card. The specialist reviewed my case and understood the frustrating situation with XXXX. She told me to submit anything I had that showed proof that the subscription was canceled. She acknowledged per my last dispute letter that I was not informed of a refund policy at the time of the sale. She told me that once I re-submitted a dispute with an email from XXXX showing a confirmation of cancellation and a letter stating that I was not made aware of a refund policy at the time of sale, Capitol One would re-open my case and re-apply the credit of {$100.00}. I submitted this documentation on XXXX. On XXXX, it was denied a third time by Customer Care and they are refusing to open the dispute case. 

I had provided supportive documentation the fraud and dispute specialist asked for, such as an email showing proof of cancellation/return, a dispute letter that described how I made several attempts to resolve the dispute, and an email that does not inform me of the refund policy at the time of sale. Capital One refuses to re-open my dispute and help me get my money back for a canceled service. At this time, I am requesting that a complaint be filed against Capitol One and a resolution be reached.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-04
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Noticed a charge of {$2400.00} on my Bank of America credit card I did not do. It was charged on XX/XX/23. Immediately I cancelled the card and filed a fraud dispute. Bank of America came back and said they had proof I did it and denied the dispute. They would not provide the proof. I explained again I didnt do it. They had said the chip was used and since I had the card I must have done it. So I thought maybe someone charged me the wrong amount. Bank of America said to file a billing dispute. I said i want to know what was purchased and see the receipt. They came back with a receipt signed by someone else at a merchant in XXXX XXXX. It is not my signature and Ive never been to XXXX XXXX. I was in XXXX. The signature is nothing like mine. They then let me file a fraud dispute. I heard nothing for weeks. When I called to check in they said they denied it but could not say why. Each time I call I spend a significant amount of time getting the run around being told I must have done this. I have filed a new fraud dispute again now and was told to pay the bill while I wait. I feel they are not helping me at all. This is fraud. I did not authorize or benefit from this charge. 
I have attached a photo of what Bank of America provided, and a photo of my signed drivers license to show how these signatures are not at all similar.
Consumer complaint received 2024-01-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunlight Financial LLC (NJ)

I agreed with solar vision and sunlight financial for solar power. XXXX XXXX  installed the panels, but never connected the solar power almost over XXXX years now. Sunlight Financial are reporting on my credit report, and there's a lein on my property. Is either they provide solar power to me, or take the panels off. It is wrong for me to pay for solar power when I am not getting it. Please help me solve this matter.
Consumer complaint received 2024-03-24
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: EQUIFAX, INC. (TX)

I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment XXXX  XXXX. At that time the name of the apartment was XXXX XXXX XXXX The apartment changed the name to XXXX XXXX XXXX XXXX  sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " Lease_ContractXXXX XXXX XXXX I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
XXXX. " Final Account Statement XXXX '' showed the final bill which I disputed with the XXXXXXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX Water / Sewer FINAL WATER BILL ( XXXX ) XXXX CONCLUSION : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX
Consumer complaint received 2024-05-04
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. (FL)

Dear XXXX, I am writing to address a matter concerning my closed account with XXXX XXXX XXXX XXXX Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am requesting that XXXX XXXXXXXX XXXX take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of Account XXXX XXXX to reflect that it has been paid in full. The account in question was opened on XX/XX/year>, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account XXXX XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

These Hard inquiries have appeared on my credit report and do not belong to me : 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 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Citibank is advertising on XXXX XXXX website a credit card which gives a {$400.00} credit when you purchase an airline ticket on XXXX XXXX. Upon applying for this credit card by phone, the Citibank representative explained the card offer in detail. She advised that the {$400.00} credit would apply on my first statement. I was approved for the card, and purchased the airline ticket. Upon receiving my first statement from Citibank, it did not show the advertised {$400.00} credit. I called Citibank to ask why and the completely denied that the offer existed. During that same phone call I opened the XXXX XXXX website and the advertisement was still there! They continued to deny the offer existed. I spoke to a Citibank supervisor and they also denied the offer existed. I called Citibank again today and now they are saying to call XXXX XXXX. I called XXXX XXXX and they said they get mulitiple complaints about this Citibank card offer scam every week! So why are they still allowing Citibank to advertise on their site? This is outrageous, that a company as large as Citibank can get away with such a blatant scam.
Consumer complaint received 2024-05-04
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. (LA)

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2024-01-28
Product: Credit 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: CLGF Holdco 1, LLC (NV)

I contacted XXXX XXXX last week to notify them that I was disputing the {$150.00} charge that posted on XX/XX/2024. The charge shows XXXX XXXX XXXX XXXX This is being disputed because this alleged apartment community is a scam. There is no apartments available and they are a full ponzi scheme in XXXX, XXXX. I spoke to a rep on the phone and she stated it would be forwarded to the dispute team but yet there is nothing updated online. 

I will not pay this charge. XXXX is committing fraud on a massive scale and they have been reported for it.