davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (OH)

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXXCAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-14
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. (FL)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (RI)

XXXX Original complaint reference number that has not been resolved and no actions have been taken by the CFPB to date?? 

I rented a car in XXXX, TN with XXXX XXXX and had to take the car to the XXXX XXXX XXXX to catch a plane back home because there were no cars available to take me to XXXX within 120 miles from XXXX. The rental company, XXXX XXXX, charged my credit car four times for the same rental. The original rental rate was {$100.00} for a one day rental, but XXXX XXXX said that I was liable for everyday the rental car was not returned to them. I paid the one day rental of {$100.00}, then paid twice more for days that I did not have the car and XXXX XXXX says they incurred a loss. I have paid {$360.00} total for a one day rental and XXXX XXXX also charged me another $ XXXX on the same day for a second rental on the same day that I have paid included in the {$360.00} rental charges. It is not possible that I am liable for two cars on the same day, right? XXXX XXXX will not remove the charge ( s ) or resolve my dispute amicably and American Express has refused to get documentation from XXXX XXXX to prove that they incurred lost money because of the returned car, especially for two rentals on the same date. I am furious that credit card companies are responsible for settling disputes because they do little to verify the veracity of the evidence in the dispute. XXXX XXXX is intentionally be abusive, punitive and excessive without any proof of actual harm and without merit.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-06-14
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXXXXXX XXXX XXXX Account number XXXX have violated my rights. 

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXXXXXX XXXX XXXX Account number XXXX have violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) in general, 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 investigation; 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 15 USC 1681s-2 they are not supposed to 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 2024-06-14
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. (IL)

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 2024-06-14
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. (AL)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-13
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: Bread Financial Holdings, Inc. (LA)

Hi my name is XXXX XXXX and I am a XXXX XXXX XXXX male I keep trying to tell these people that I didnt create those accounts I didnt even know what credit was at the time I have had family members ruin my credit because I didnt know anything about credit I have nothing that Im debt XXXX $ for it was not me and the companys wont dispute them when Im constantly telling them I have no knowledge of this account thank you.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 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 then records of convictions of crimes which antedates the report by more then 7 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 2024-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A credit balance was maintained on the account to pay for the upcoming charges. Bank of America claims a refund was processed and deposited into XXXX Bank of America account which was never verified. When I was made aware that the account was reported to be XXXX days past due, I contacted the bank and disputed the late fees and the report. The bank still claimed a refund was deposited into my checking account which they were not able to verify. At this point they are reporting my account as delinquent to credit reporting agencies and holding me responsible for late fees. Bank of America has been in possession of over XXXX XXXXXXXX XXXX, and they are still charging me interest and late fees. At this point they claim the funds were refunded to the state and I should claim the fund from the state. This is an unfair practice since they have had the funds in their possession all along and the only reason, they can provide is their accounting methods that resulted in a credit refund. I still have not received the refund in any of my bank accounts as it was claimed by the bank. Please help stop this unfair practice!
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I reported several unauthorized transactions on my Capital One XXXX credit card, and was issued a temporary credit for the unauthorized amounts, and was told I can continue to use the credit card while Capital One investigates the charges. However, when I tried to make a purchase, it was declined, and when I called to inquire, I was advised that Capital One placed a restrictive hold on the credit for 90 days until the investigation was complete. 

I do not understand how this is a temporary credit at all, if I can not even use the credit given, especially considering I should not be held responsible for charges I did not make, under Capital One 's XXXX fraud liability policy. I have never experienced this problem once with any other bank or credit card when dealing with temporary provisional credits that were issued during a fraud/dispute investigation. I believe this is a blatant abuse by Capital One and a gross misrepresentation of their fraud liability policy, and I am requesting that they take proper care of their customers and not punish them for no reason under a baseless policy. I want to know how this is at all justified, as the whole point of reporting these unauthorized transactions was so that I can still use the credit card, and not be left without any recourse or options for months. Please help me make this right!
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. 

Capital One Finance + XXXX Capital One Finance + XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete these accounts.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX and XXXX have all misreported my information time and time again. 

I sent a request to fix on XX/XX/year>, through my app that allows for disputes. I have heard nothing. The lack of history is negatively impacting my credit and ability to ascertain the most beneficial loan for homeownership.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-04-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I had applied and taken out a title loan with title max, in which I go to make my payments faithfully every month never been late and had only one time where I paid it on the due date. I go to check when my next payment is due and noticed that my payoff amount isnt going down and was only showing at the time that only {$100.00} debt has been made into it when my payment is over that amount on a monthly basis so I was confused. So then i called the branch in which I had asked what was the reason for my loan amount getting higher when payments are being made and never been late nor missed? They told me that you have to pay more than your monthly amount or we get charged more fees. I then was mad and went and relooked over my agreement paperwork and seen they have my loan payoff at XXXX and change when my loan was only XXXX and the percentage rate was over 40 %. This has been absolutely awful because now I feel trapped and in fear of losing my vehicle because no matter how much I pay it off its never going down and I dont have enough to pay it off all at once otherwise I would of done that. This is just ridiculous and unfair and I think this is being done illegally and taking advantage of people to steal their cars from them.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

1 ) I wanted to ensure there was enough available credit on my credit card for an upcoming trip so I called to transfer the balance from my Truist money market account to payoff the balance on my Truist credit card. I was told the funds would be deducted from my money market account today but it would take up to XXXX business days before they were applied to my credit card. Why is this allowed? Truist gets to hold my $ for XXXX days and I don't have access to it? This is unfair to consumers.

2 ) My CD matured on XXXX. I went into a Truist branch to close the CD and put the funds into my XXXX XXXX Account. i was told the CD would be closed on XXXX but the funds would not be in my XXXX XXXX Account until XXXX. I asked why- they said that is how it is done. Again, why is this permitted? It is an internal transfer of collected funds that have been on deposit. This is unfair to consumers. 

3 ) I went into a Truist office and asked to redeem my credit card rewards and have them deposited into my Truist checking account. I was told that this would be done in XXXX days. Why does it take that long to transfer funds internally? Again, Truist is using my money and delaying the availability of it to me with no just cause or reason. This is unfair to consumers.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : SYNCB/CARE CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : MEDICAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX XXXX  AND XXXX,