davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to formally complain about the inaccurate and incomplete information being reported on my credit report. Specifically, the notation of the following late payment is inaccurate : Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> I respectfully request that you investigate and verify that all data for this account is reporting accurately, including every notation date and balance, whether reported or not. 

Furthermore, I request to be provided with proof of this alleged late payment. Under consumer protection laws, I demand that if unable to provide proof of these payments being late, my payment history be updated to " XXXX '' status ( PAID as agreed, never late ). Additionally, please supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting information regarding the procedure used to determine the accuracy and completeness of the information. According to federal law, I understand that a completion of investigation is due within 30 days, and verification of accuracy must be provided within 15 days of completion. 

Please update any information that can not be verified and ensure that my credit report is accurately reported. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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. (SC)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I inherited an IRA from a parent, Merrill Lynch has made it nearly impossible to get the funds transferred into my name, there is no way they will do this without charging me to clean out the account, and I have been trying for about XXXX weeks to get the funds transferred into my other account at another financial institution. I have called Merrill about XXXX different times and each time I call they state I need to do something new and different from what they told me last time to transfer the funds, they made me fill out paperwork that they allege is not compatible and that it is the other bank 's fault. Despite being the sole beneficiary of the account, they won't move it into my name so that the funds can be transferred even though I filled out and had notarized an affidavit of domicile and all other required documentation with account information for the funds to be moved to XXXX XXXX. XXXX now states that they are using an automated system to transfer funds that they can not read whatever transfer requests, they also deny getting my requests to transfer the funds from XXXX and have chosen to ignore my paperwork submitted to Merrill. This is astonishing because there is a dedicated department for this, and it seems to be that they just do not want to transfer my funds after making me listen to their speech about leaving them there about XXXX different times. Every time I call, they have a new excuse and a new thing for me to do that they did not tell me last time in order to transfer my request. They want to charge me {$50.00} to transfer the funds to my name that are legally mine.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I called Chase customer service to check if I could use the XXXX XXXX credit card immediately upon approval. They told me I could use a virtual credit card by adding it to my XXXX or XXXX XXXX wallet. Based on this information, I applied for and was approved for the card. However, I later found out that I can only use the virtual card after receiving the physical card, because a physical card is needed to create a Chase account. As a result, I now have to pay extra fees for checked bags, which defeats the main reason I got this card : to get free checked bags.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-20
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/year> I made a hotel reservation at a web site with a domain name " XXXX XXXX ''. When I received a confirmation email from " Hotel reservations '' I was suspicious and cancelled the reservation. I also notified American Express of the potential scam and was told by an agent that the charge was pending and would not be paid without notification from me. Nevertheless on my XXXX statement there was a charge from " XXXX XXXX '' dated XX/XX/XXXX. When I contacted American Express by phone the agent said it would be investigated. Since then American Express has provided me with copies of documents I have never before seen and claims of action I have never taken from " XXXX '' whom I have never heard of. They now claim that since whomever they paid claimed that I approved payment, I am responsible for a charge of {$880.00} that American Express was told before payment was fradulent. 
By accepting phony " proof '' from an obviously fraudulent entity without careful investigation American Express is aiding and abetting fraud in spite of their claims that cardholders are protected from fraud. I have deducted the {$880.00} from my payments in subsequent months as American Express " continues to investigate. ''
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OK)

In XX/XX/year>, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/year>, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/year>, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX. They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2024, while on vacation, XXXX XXXX XXXX and I both got a voice message that my accounts with American Express had been immediately cancelled - accounts ending in XXXX and XXXX - and the reason was Per Banking Regulations. After 5 phone calls, no one could tell me what that meant, nor give me any further information as to why an account open for 40+ years was being cancelled.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In XX/XX/2024, I sent Cap One a request for a settlement for a balance due. They did not reply. 

In XX/XX/2024, I sent Cap One a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/2024, Cap One sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX  They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2024-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

The company signed me up for a new payment plan without my authorization. This new plan more than quadrupled my monthly payments. At the time I had autopay on and only noticed the change 6 months later when my balance was much lower than I expected. 

I contacted the company and they fixed the mistake to reduce my monthly payment to the level it should be. However, they are now demanding I continue paying each month and will not credit the amount they mistakenly withdrew from my bank account towards future payments. Essentially they drained my savings and I can now no longer make payments as a result.
Consumer complaint received 2024-07-21
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. (CA)

I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence. 

XXXX. [ XXXX XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

XXXX. [ XXXX XXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.
Consumer complaint received 2024-07-22
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: CITIBANK, N.A. (NY)

On XX/XX/19, I called Citi to indicate fraud on my account in the amount of about $ XXXX for fraudulent XXXX charges from XX/XX/XXXX to XX/XX/XXXX. I was told that the fraud team will investigate within two billing cycles ; however, they will not credit my account. I have a payment coming due and its still showing that I owe money on fraudulent charges. I called four times to request credits to my account during the investigation, but call center staff ignores question. They just closed my card and reissued a new one. In addition, XXXX charges that were pending which I indicated were fraud were still allowed to go through even with my card being locked.
Consumer complaint received 2024-07-22
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: WELLS FARGO & COMPANY (CA)

I was charged a mysterious credit card charge for an amount that was not authorized on XXXX XXXX I contacted the merchant asking for an explanation of what the charge was, and they could not provide any details or receipt matching the charge. 

I then contacted the bank to inform the bank that this transaction was not valid, and was directed to speak with a dispute representative. The representative then requested I upload specific paperwork, including my correspondence with the merchant, which I did. I did not receive any further instructions from this individual or from anyone else at the bank. 

I then received a notice on XX/XX/XXXX that the dispute was closed because I had not provided the correct paperwork. I called the number on the letter, and they claimed that the agent who filed the dispute incorrectly labeled the dispute as a transaction that had already been paid for by another means ( it was not, it was a mysterious charge that the merchant could not explain when I contacted them and did not have any record for ). 

I told them again that the charge was not valid, and they said that they did not have a right to reopen the claim and that they did not have to pursue this claim. This is despite the advertisement of purchase and fraud protection as a feature of this XXXX XXXX credit card product.
Consumer complaint received 2024-08-12
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-24
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. (TX)

Trans Union is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. They are in further violation of 15 USC 1681 & 15 USC 6802-6805. I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. I did not sign any contracts with Transunion to report any negative or inaccurate items reported on my credit file. I am asking that ALL negative or inaccuracies be removed immediately.
Consumer complaint received 2024-07-20
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. (GA)

I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-28
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. (NC)

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below from my credit report, as they were fraudulently opened or initiated without my authorization following a data breach. My request is made under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require credit reporting agencies to take immediate action in cases of identity theft. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.