davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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 (MI)

I was a victim of fraud. Someone used my card and ran up thousands of dollars worth of charges that I didnt make. When I realized that I called the bank, I answered all their questions. I did everything that was asked of me. I was told that I would receive temporary credits and that I wouldnt be responsible for making payments on the Fraudulent transactions they said it was on a recorded line so they should have a copy of my original phone call. The temporary credits did show up, but there was never an adjustment to my minimum payment to so Im a little confused. Im not supposed to be responsible for making payments for the fraudulent transactions then why are they still being included in my minimum payment so I couldnt figure that out and theres no easy way to reach out to the bank other than calling so I called and I spoke with a young woman who was friendly but not knowledgeable. She didnt even know how the minimum payment was calculated on my account, she no clue all she did was say things that werent true to be completely honest and you should have a recording of this so then she transfers me and this guy just wasnt he didnt care what I had to say he come up with his conclusion before I even said a word which kind of wasnt what he said, but just the fact that he didnt even listen to my explanation question before coming up with a solution and even after I told him I feel like he still didnt give me accurate information and he didnt know how to fix the problem so Im left with paying a very large minimum payment that I shouldnt have to pay because I didnt charge any of those transactions this not being resolved before the due date and then you charging me fees which I dont think its fair because I could make one percent plus interest payment, but it wouldnt be enough and you would still say my account was late so why did minimum payment not reflect the investigation that is going on? I have a second question you sent me a letter stating that the transaction for the zoo was my responsibility even though I had not been to the zoo and I dont know when it started costing {$160.00} to go to the zoo to begin with but this transactions no different than the rest of the transactions so why do you think that I was at the zoo? Why do you think those charges belong to me? And last but not least why dont I have any rewards, I have a balance of {$21.00} and Ive never used any other rewards but I dont have any. Can you explain that to me?
Consumer complaint received 2023-11-14
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)

I appreciate your time to remove some of the accounts in my file that resulted from alleged identity theft but I have some accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VT)

Nissan put a car on my credit report on XXXX report says it is a charge off and amount due the XXXX Nissan XXXX account number XXXX this car was in my bankruptcy it shouldn't be on my report like that they need to update my XXXX account
Consumer complaint received 2024-05-22
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)

On XX/XX/2024, I disputed information on my Equifax report. In response on XX/XX/2024, Eqifax stated that I did not submit proper varication to investigate my profile. Attached is evident that I included a driver 's license, social security card, or proof of residence in which the company requires to investigate a consumers profile.
Consumer complaint received 2024-05-21
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS LOANCARE Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Charge off was scheduled to be deleted XX/XX/XXXX its still on my credit report, I sent a letter to all 3 credit bureaus asking for it to be deleted and haven't recieved any response, first date of delinquency was XX/XX/XXXX a charge off is only supposed to remain on on a credit report for 7 years its been 8 years
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

XXXX bill from XXXX  wen to diversified consultant like we miss payments and report me on my credit report. 

Diversified consultant report me with XXXX XXXX about not paing my account. 

We try to contac you guys but you wore close because of federal shutdown. 

We pay to diversified consultant noing was a complete fraud only to be remove from credit report Today we pay another XXXX dlls to same company same issue in cellphone account charging 2 XXXX we never receive because I wanth to buy a house guys can not be posibel XXXX  is doing fraud to every buddy over charging we don't complain because is XXXX dlls only I pay an I need that collection remove from my report. 


The company is XXXX DOING COLLECTION WITH DIVERSIFIED CONSULTANT Doing a complete fraud Report XX/XX/2018 XXXX/XXXX XXXX . ALL READY PAY ONLY TO NOT BE REPORTED BUT WE DONT OU MONEY TO XXXX.ALREADY SEND COMPLAIN TO XXXX XXXX TO DIVERSIFY CALL 20 TIMES TO ATT NOT POSIBEL
Consumer complaint received 2024-05-30
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.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. Please delete the items as soon as possible
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I wrote a check from my business account ( XXXX XXXX XXXX  XXXX XXXX ) to a company/vendor for the amount of {$1600.00} and dropped the check in a secured official USPS post office mailbox on XX/XX/2023 ; on the morning of XX/XX/2023, I received a notice from Wells Fargo ( my bank of XXXX years ) that the check had cleared for {$11000.00}, overdrawing my account by {$450.00}, yet showing it still cleared/ paid by my bank. I immediately went online to pull up a copy of the check and saw that it had been clearly forged ( company name crossed out, name of " XXXX XXXX '' added, " XXXX '' changed to " XXXX '' in the amount, written line clearly showing " XXXX '' was written over " XXXX '' ). I called my bank immediately to let them know the check had been forged, that I did not authorize that amount and did not know the endorser, and asked that they stop payment on the check. I was told that a stop payment could not be issued as the money had already been released and that I needed to file a fraud claim and that it would take up to 10 business days to resolve the claim. It has been over 10 business days and nobody has called me ; my branch manager requested a provisional credit to my account and stated that it was denied by the home office due to the amount of the fraud. I received an email from Wells Fargo on Thursday, XX/XX/XXXX stating that their goal is to provide a resolution on or before XX/XX/2023 ; meanwhile I am unable to operate my business or pay my bills since XX/XX/XXXX due to the {$11000.00} that Wells Fargo allowed to clear my account, even though it was an obvious forgery.
Consumer complaint received 2023-11-14
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX --
Consumer complaint received 2024-08-20
Product: Credit card — Store credit 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: Sezzle Inc. (NV)

On XX/XX/year>, I placed an order for {$290.00} at XXXX XXXX XXXX using sezzle. XXXX XXXX  cancelled my order and therefore I never received any items from said order. 

Sezzle would not stop charging me installments for this order. Now they refuse to remove the negative information from my credit report saying I owe money for an order I never received. Their support just refers me to the collections agency, XXXX, who has ceased collections due to me not getting the order. Sezzle still refused to remove the negative information from my credit report.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Collection Services for their deceptive practices and refusal to remove a negative item from my credit report, even after the debt was paid in full and they promised to do so I contacted Credit Collection Services after receiving a notice about the debt. They informed me that if I paid the debt in full, they would delete the negative remark from my credit report. I agreed to this and paid the past due. 

However, the negative item remains on my credit report, causing significant harm to my credit score and financial standing. I have repeatedly contacted Credit Collection Services to request removal, but they have refused to honor their promise. 

I have also contacted XXXX XXXX, the original creditor, and they confirmed that Credit Collection Services should remove the negative item. I am a current customer of XXXX XXXX, and they have expressed their concern about this situation and advised me to contact the CFPB. They also stated that they are considering removing Credit Collection Services from their preferred list of collection agents. 

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Credit Collection Services, CCS Collections for their deceptive practices. I also request that the CFPB compel them to immediately remove the negative item from my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-09
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-09
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-29
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)

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 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 finish 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 2018-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Island Finance Puerto Rico (PR)

Mrs XXXX at Island Finance frequently attempts to contact me at work after Ive told her on many occasions for months now that Im neither able to attend her calls during business hours and that my employer prohibits personal calls while on duty. Ive been clear that all communications must be made through my personal phone number and voicemail but she still insists on contacting me at work in spite of my requests. This practice is jeopardizing my employment and may in the end impact my ability to pay back my loan.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted TransUnion rental screening solutions to dispute an eviction showing on my rental screening file that never occurred. I requested the source of the information after I went to the city court where the alleged filing occurred only to be told by the clerk there was no record of the filings. I provided my name and the case number provided by TransUnion rental screening solutions and there were no records found. I also looked up the cases myself via XXXX XXXX XXXX XXXX XXXX and no records for the alleged cases are found. The records on the courts site date back to XXXX which means the case allegedly filed between XXXX and XXXX should appear. 

TransUnion contacted me via email on XX/XX/XXXX to state the information was verified as accurate however ; the source of this information was not provided. If the source is not the court where the alleged filing occurred, then where is this information coming from? This is again, what TransUnion was recently sued and fined for on XX/XX/XXXX and to date, the practices continue. I am considering filing a law suit as this false information has cost me money and opportunities for better housing for my family.
Consumer complaint received 2024-05-29
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)

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.