davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Why must one suffer just because of their credit score? It's because of your company that does not review all information that are being reported on our credit files. I have sent out a complaint on my inquiry and has been constantly in stress because out of all my inquiries, only a few have been removed off of my report- negatively impacting not only my scores but also my mental health. On XX/XX/XXXX, I sent a complaint asking for a verifiable proof that all accounts are accurately being reported. None of which any of the companies I sent a complaint to responded with accuracy. I am disappointed.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NV)

I purchased trip insurance coverage through American Express alongside their travel program for a trip to provide medical coverage for the XXXX XXXX The day of departure, we were notified that our outbound flight was cancelled by Delta due to the XXXX incident. Delta was the only airline still struggling with this incident. We were forced to purchase additional tickets on a different airline to get to my job on time in XXXX. American Express is refusing to pay for the full cost of the additional tickets ( ~ $ XXXX person ) because they claim their insurance policy only covers up to $ XXXX person for issues such as this. This is despite the fact that an American Express Travel consultant stated, on a recorded line, that the full trip change cost would likely be covered. We are asking for full coverage of the cost of the flights ( {$2500.00} ).
Consumer complaint received 2024-05-13
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)

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 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made timely payments on this account, ensuring they never became overdue. I don't understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-13
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. (VA)

I contacted Transunion in XXXX of this year concerning this issue. Transunion had no authorization from the courts nor myself share my information. once i contacted Transunion they stated that the information they had was accurate and that they did not need to make any changes to my credit report, but yet and still it is against the law to share my personal information without my consent or the courts that they stated reported it to them it is false information and unauthorized.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( Experian, XXXX and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (MO)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively. 

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation. 

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter. 

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capitol One platinum secured account was closed to due to XXXX payments being returned. I had XXXX payments get returned by bank in the month of XXXX and XXXX of 2024. 

The first returned payment was for the amount of {$57.00} and this was because I had set the payment for a date that I was supposed to receive my paycheck but the check was late. 

As soon as i realized this, I paid it off immediately. 

The second payment I made was to pay of my balance and I did not change my bank info on the app and used the wrong debit card. 

It said it went through and I had a positive balance, so i used the card. About XXXX XXXX later i got a email saying my payment was returned. 

As soon as i got this email i paid the XXXX XXXX immediately with my new bank account. The payment did go through and my balance is at XXXX. 

But they still closed my account because of this. I paid off my entire balance and this really hurts my credit score which I am trying to build. These were honest mistakes that I took care of immediately! 

i really would like my account back. i have tried to apply for another account and can not get approved
Consumer complaint received 2024-05-13
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/2024 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-05-13
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. (FL)

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 2023-05-04
Product: Credit reporting, credit repair services, 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)

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks.
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NC)

I received repeated call from different area codes and most recent an email along with letters about a debt I do not recognize. I have asked them to not call and most recently they sent an email which I did not give them my email address. I have no idea who this company is.
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I purchased a {$500.00} Visa gift card from the XXXX grocery store in XXXX XXXXXXXX XXXX 

There was an unauthorized transaction of {$500.00} made on XX/XX/XXXX, and the balance on the gift card is now XXXX, {$0.00}. 

I contacted the gift card company, VANILLA GIFT CARD XXXX, about this issue on XX/XX/XXXX and XX/XX/XXXX along with sending in pictures of the front and back of the {$500.00} gift card, the XXXX store receipt showing proof of purchase, and the dispute transaction form. 

However, I still have NOT heard back from the company or received a replacement {$500.00} VISA GIFT CARD. 

I WOULD LIKE TO HAVE MY {$500.00} VISA GIFT CARD REPLACED.
Consumer complaint received 2023-12-21
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. (FL)

In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I am writing to report a case of identity theft related to the repossession of my vehicle. My vehicle ( XXXX : XXXX ) was repossessed by XXXX XXXX Debt Collection in XXXX XXXX, Illinois, on XX/XX/2024, at XXXX XXXX This agency, with which I have no written agreement, fraudulently obtained my personal nonpublic information without my consent, violating my consumer rights under the Gramm-Leach-Bliley Act ( GLBA ). 

They also failed to provide full discloser, and right to resend, also put me in a contract with a third party and charged me with a downpayment with the finance charge. 

I request the immediate release of my vehicle, a review of my XXXX insurance coverage to ensure the loan is paid in full, reimbursement for any related expenses, and a written confirmation that my credit report will not reflect this incident. 

I seek your assistance in addressing this matter urgently and ensuring the enforcement of my legal rights.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They XXXX consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all XXXX consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all XXXX consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (VA)

was wrongfully XXXX  and XXXX  at XXXX XXXX, Virginia XXXX under an unsecured XXXX XXXX. After release, I discovered my vehicle had been improperly towed to the XXXX XXXX XXXX XXXX, Maryland. I was advised to contact the XXXX XXXX coordinated XXXXXXXX XXXX XXXX for the XXXX XXXXXXXX Sheriff to determine which facility might still hold some of my personal belongings. Multiple companies, including XXXX in XXXX, XXXX XXXX XXXX in XXXX, and XXXX in Maryland, were involved in the transport of my possessions. The response from one company, XXXX XXXX, contained inaccuracies. One tow company kept my laptop but returned it promptly upon request, while another had five bags and a large duffel bag I purchased at XXXX XXXX on the XXXX XXXX, Virginia Military Installation, which were damaged. Around XXXX XXXX, my vehicle, personal property, and Virginia Plates were stolen and unlawfully transported across state lines. I am now without my vehicle and personal items. XXXX XXXX XXXX instructed me to return my vehicle to its original state location. Despite all charges in XXXX being dismissed, I am still liable for impoundment fees and late charges, which are meant to be covered by XXXX XXXX XXXX. These unlawful incidents have caused significant financial strain. The Finance Company has not assisted in recovering my vehicle and personal property. However, Veterans Affairs and the Veteran Administration are providing support as I lack reliable transportation and necessary credit. A payment system error falsely showed that XXXX XXXX did not receive a payment in XX/XX/year>. I am also dealing with military-related XXXX and a recent XXXX XXXX. I needed a vehicle for my Washington DC Veterans Administration XXXX, and additionally, I was able to rapidly relocate to places that were more secure.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.15 USC 1681 SECTION 602 STATED I HAVE THE RIGHT TO PRIVACY.15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (NJ)

XXXX accordance to fair credit report act XXXX  acct contract callers inc # XXXX And water fall XXXX XXXX act # XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have right to privacy. 15 U.S.C 1681 sections 602 A states it also states when consumer reporting agency can not furnish an account without my written consent