davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I sent letters to each credit credit bureaus ( XXXX, XXXX, TransUnion ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/2023 Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Consumer complaint received 2024-08-14
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I applied for my credit card, I never wanted paperless statements. I am XXXX and not use to paperless bills. I would not have requested it, but for some reason it was set to that. I called in to check on my payment, I have only had the card for 2-3 months and learned it was paperless. Which I asked to change. I also found out I incurred late fees, but I think only one was removed. Also, I asked if I had received a negative credit reporting bc of the late payment and the person said they do not have that information. I am surprised that the representative would not know.
Consumer complaint received 2024-01-27
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. (SC)

So I have submitted a dispute for colleges account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. Transunion is in violation of the Privacy Act, FCRA, FDCPA.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I did receive temporary authorizations for three transactions I did not make on my credit card. I immediately called Bank of America and notified them about fraudulent autharizations : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$390.00} XXXX XXXX XXXX XXXX XXXX for {$890.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$380.00} I never used these merchants and these transactions are not typical for my purchases. 
The agent on the phone told me they will take care of these. 
On XX/XX/XXXX, these transactions were posted to my account and I called the Bank of America again about these transactions, spent 52 minutes talking to different people and notified about these fraudulent transactions again. They were removed from my account. 
However, when I received the statement on XX/XX/year> these transactions were added again to my account. I called Bank of America again on XX/XX/XXXX and they told me it will take 90 days to resolve and remove these transactions. 
On XX/XX/XXXX first transaction was taken care of and credit issued for {$390.00}. There also was a refund of {$19.00} from XXXX XXXX. 
I called Bank of America again on XX/XX/XXXX, close to 90 days limit, inquiring about the other two transactions. They told me the mailed me a letter, however I did not receive such letter by mail. They told me I need to file a new complain and it will be another 90 days waiting for me. 
I did not receive the promised letter and called the Bank of America again on XX/XX/XXXX. They told me that I can keep calling them but it will not help, I need to wait for another 90 days. 
On XX/XX/XXXX statement I did receive a refund from XXXX XXXX for {$37.00}, however, the original charge was for {$890.00}. 
On XX/XX/XXXX I did receive a letter from Bank of America stating that the credit for {$390.00} is permanent now. 
I did not receive any mentioning about the other two transactions. 
Now it is another 90 days passed and there is no evidence that Bank of America even wanted to help me with the other two transactions.
Consumer complaint received 2024-01-27
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. (NJ)

I am submitting a follow-up complaint to bring to your attention my unfortunate situation as a victim of identity theft. Under FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents meant to facilitate the removal of inaccurate information and inquiries currently affecting my credit files. The following comprises a list of inquiries, inaccurate names, and addresses that neither pertain to me nor were opened with my consent : -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -- XXXX -- XXXX -- TRANSUNION : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-19
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the Fair credit report, I am exercising my right to remove all errors from my credit report. This issue damaged my report. This is a defamation of character. It has impacted my reputation.
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-12-10
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)

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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX WY XXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-27
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$8700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

Thank you for your recent correspondence. However, I HAVE NOT ENTERED INTO ANY CONTRACT WITH SPRING OAK CAPITAL LLC. Your office was sent a cease-and-desist letter XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX. In addition, your office was sent a debt validation letter XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX. To date your office has not provided the XXXX points of required documentation to validate the debts listed in this letter. YOU ARE IN FCRA VIOLATION!!!! YOU HAVE DAMAGED THE CONSUMER XXXX XXXX. Specifically, 15 US Code 1692g ( b ) disputed debts, 15 US Code 1681 ( a ) accuracy and fairness of credit reporting and 15 US Code 1692g validation, verification of debt 5 parts and 15 US Code 1681e-compliance procedures. Therefore, Spring Oak Capital LLC is Civil Liable for negligent noncompliance 15 US Code 1681o and civil liable for WILLFULL NONCOMPLIANCE 15 US Code 1681n. Pay the invoice enclosed for the violations AND DAMAGES CAUSED TO THE CONSUMER XXXX XXXX by Spring Oak Capital LLC pursuant to 15 US Code 1692k ( a ) AMOUNT OF DAMAGES. 15 US Code 1692c-Invoking Remedy. My specified remedy is included in this correspondence 15 US Code 1692c Specified Remedy.
Consumer complaint received 2021-03-03
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: Experian Information Solutions Inc. (UT)

I was added as a joint holder on to my wife 's bank account with Goldenwest Credit Union, but there was no disclosure that the institution would do a hard credit check. Most financial institutions use XXXX and not public record on a simple account opening. The inquiry was marked as a installment loan inquiry. There was no loan or leverage that I was applying for. I also didn't sign an agreement to this hard check. On XX/XX/2021, I received an email from Experian that said they had hard-checked my credit. I attempted multiple phone calls between XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. I ultimately visited the branch on XX/XX/XXXX and the representatives there said they couldn't do anything about the hard check. I also contacted Experian, who said they couldn't do anything and that I needed to work with the institution that did the check.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (CA)

On XX/XX/year>2022, National Enterprise Systems ( NES ) sent a settlement letter regarding an alleged debt to XXXX XXXX. NES failed to validate the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. NES has not provided evidence of the debt 's validity nor their authority to collect it. NES entered a settlement agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/scrub> 2022, acting purportedly as my representative. This agreement was made without my knowledge or consent, violating 15 U.S.C. 1692e ( 10 ) for false representation and 1692f for unfair practices. The XXXX provided by NES shows that XXXX was authorized only to negotiate and obtain records, not to enter into agreements on my behalf. Acting as an agent for XXXX XXXX, NES should have verified the extent of XXXX 's authority before finalizing any agreement. I insist NES consult with XXXX XXXX  to ensure the debt is accurately recorded with the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) and correct any inaccuracies in my credit report due to this unauthorized settlement.
Consumer complaint received 2024-01-27
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Yes I have contacted the claims administration from capital One bank there is a hold on my account the releasing officer has filed a case with the account claims administration and is working to restore the identity of the case with the claims administration. I have the email XXXX XXXX XXXX  and I updated the claim case number that placed a restriction on my account with case number XXXX. I have the claims administration number ton capital one bank XXXX. I would like to contact capital one bank let them know XXXX  account can not withdraw funds and our balance was sent to block fi wallet from our business account from the bank director XXXX XXXX and left the bank compromised from XXXXXXXX XXXX XXXX XXXX data breach which sent the payment to capital one bank through plaid banking agreement with the trade transfer agreement and I had to waive the charges and file bankruptcy with XXXX infrastructure and XXXX XXXX  wallet was blocked from sending any payments to online banking with my active account. I would like to file my direct deposit and have it sent with my form 3911 from the IRS that has my direct deposit from 2021 voucher was stolen and did not return to the bank.