davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by Ally Financial and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was hacked by my landlord with the permission of XXXX XXXX. My checking was hacked on XX/XX/XXXX XXXX.When I noticed that I got locked out of my online account I contacted Capital One to find out why. The CSR associate told me that I got locked out due to suspicious activity that they noticed on my account. I confirmed that my email and phone were hacked with XXXX 's consent. My checking was immediately closed and I was issued a new card. Not only was my checking compromised but in XXXX my credit card payments started being returned and this never occurred since I had the credit card since XXXX. I've never had Any problems with making payments on time which is the XXXX of every month. When I was no longer employed because I work seasonally due to the XXXX I have. I started to pay the $ XXXX minimum every time and on time. The bank or the hacker started returning my credit card payments in XXXX XXXX. I've never had any payments returned up to when the hacking incident occurred and I can prove it. It always went through in a day or XXXX. On XX/XX/XXXX I contacted Capital One about the payments being returned and that I was certain that this was linked to me being currently hacked. I requested that my account be closed and asked that a new card be mailed to me. The CSR rep said that she would send me a new card and the old account would be immediately closed. A couple days later Capital One sent me a letter acknowledging my concern and told me the account was closed. They have since increased my payments due to the alleged non payments and they have denied the fact that it was I who requested to have the account closed. They have put fraudulent information on my credit report such as payment amounts and have brought my credit XXXX points lower from what it was. Which I will and have attempted to dispute with XXXX. I am concerned that this is going to be an ongoing issue with Capital One. An issue of having my payments returned as they have been doing for the last XXXX months. I can prove everything I have just stated in a court of law. Capital One has added injury to insult by penalizing a victim of illegal criminal hacking by my landlord and XXXX XXXX. I would like them to remove the fraudulent statements they've placed on my credit and to reimburse my credit rating back to what it was before this criminal incidence.
Consumer complaint received 2024-05-19
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 Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX  XXXX XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : also states a consumer reporting agency can not furnish an 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 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NJ)

After being evicted in XX/XX/2023 for not being able to pay rent I relocated and tried reaching out to my landlord before being evicted and he spoken to a judge further about a resolution but never received a response and was ignored until later, my grandpa receiving my mail to his address in a different state. To which it was a letter from the national credit systems , inc XXXX XXXX XXXX XXXX, ga XXXX stating they are trying to collect a debt owed to XXXX XXXX XXXX totaling, XXXX Stating to call them by XX/XX/XXXX of 2023 to dispute this matter when I hadnt heard anything about owing anyone since being evicted XXXX. Stating they will provide other agencies my information and to have my credit impacted.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX after multiple attempts to correct the information with my XXXX XXXX XXXX XXXX XXXX XXXX, and Transunion have failed to correct. 

My report shows that my account was 30 days late in XXXX of XXXX. On XX/XX/XXXX I filed a complaint through the CFPB asking for proof that the information is correct non was provided by either the CFPB or the credit Bureaus. 

I am again disputing but this time demanding that the account be removed from my credit if they the lender and credit bureau can not provide and list accurate information on my credit report.
Consumer complaint received 2024-05-10
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. (CA)

Hey guys, you are reporting inaccurate and incomplete credit information. I am distressed and angry that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
I was reading today that the Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 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 2024-05-10
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. (CA)

I am writing to express my extreme displeasure and frustration regarding the ongoing presence of fraudulent account on my credit report. Despite multiple attempts to rectify this situation, this erroneous entries persist, casting a shadow over my financial reputation. 

The inclusion of this fraudulent account is not only a violation of my consumer rights but also a blatant disregard for the truth. It is inconceivable that such discrepancies continue to XXXX my credit history, causing irreparable damage to my financial standing. 

XXXX XXXX  XXXX XXXX. 

I demand immediate action on your part to remove this fraudulent account from my credit report. Your failure to do so is unacceptable and reflects poorly on your bureau 's credibility and competence. It is imperative that you rectify this matter without delay to restore my faith in your services. 

Furthermore, I expect a written confirmation of the removal of this fraudulent account within the next five business days. Additionally, I require full documentation detailing the steps taken to investigate and address this issue. 

Let me be clear : I will not tolerate any further delays or excuses. If you fail to comply with my demands, I will have no choice but to pursue legal action against your bureau. The consequences of your negligence will be severe, and you will be held accountable for any further damage to my financial well-being.
Consumer complaint received 2024-05-10
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2023-07-28
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: Sequium Asset Solutions, LLC (NV)

On XX/XX/2023, I was told by a loan company ( I am applying for a loan ) that on my credit reports from XXXX and XXXX, I had an account from XXXX XXXX that had been sent to collections. I do have a current account from XXXX for XXXX years that I have never been late on a single payment. On XX/XX/XXXX, I called XXXX XXXX XXXX times and talked to XXXX people including managers, All said they could not see details on the account -- yet they said one was there. I was able to give them an account #, listed on the credit report, # XXXX. A XXXX XXXX manager said to drive to an XXXX store where they could likely see more information on the account. On XX/XX/XXXX, I drove to the XXXX store and spoke with a manager. She said she would look into it and call me back within an hour, No call. On XX/XX/XXXX, I called and spoke with the XXXX store manager and she said she looked up the account and the name listed on the account was not XXXX XXXX, but she could not tell me what name was there. I called the collections agency, Focus Receivables Mgmt at XXXX and this is a message only line. I left a message to please call me. No call. On XX/XX/XXXX, I filed disputes with XXXX and XXXX. I also tried to get a phone number for a fraud problem for XXXX. No one from XXXX XXXX would give me a phone number. No one at XXXX XXXX seems to care about this at all. My credit score is downgraded XXXX XXXX  points for this incorrect posting on my credit reports. Even if I pay the debt {$1000.00}, it stays on my report for 7 years. I will include a copy of the information on my vredit report below.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (DC)

Experian Monitoring They will not allow me to cancel online and since XX/XX/XXXX  they have taken {$15.00} out of my account. I finally called someone on XX/XX/XXXX  spoke with a live person and they only wanted to refund me {$15.00} for one month. If you go on the website, they try to get you purchase other services.
Consumer complaint received 2024-05-10
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. (CO)

XXXX XXXX has reported my account as 30 days past due in XXXX of 2023. My account was not past due in XXXX of 2023. I have asked multiple times for the credit bureaus to investigate with XXXXXXXX XXXX  but has been unsuccessful. I even asked XXXX to do a good will correction because even if we were late it truly was cause by circumstances outside our control.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-10
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$820.00}
Consumer complaint received 2024-05-10
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. (MS)

This account was charged off on XX/XX/year>. Since then the account was repeatedly charged off for XXXX continuous months. This is and update in payment history. A charged off account should not have included an active payment history those months. The inaccurate Information falsely manipulates the statue of limitations. This account was not investigated properly after I asked XXXX and your neglect has violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX.
Consumer complaint received 2024-04-25
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Dat e of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
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: CREDIT ACCEPTANCE CORPORATION (IL)

On XXXX my credit was ran by these 4 companies without my permission. According to Law FCRA SECTION 605B This Is Illegal. I would like these removed from my credit report immediately.
Consumer complaint received 2023-06-17
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. (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 XXXX XXXX XXXX. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX BANK XXXX Account number XXXX Account name NEIGHBORS XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name WXXXX Account number XXXX Account name PREMIER XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2024-05-10
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. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX Amount : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-10
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. (DE)

I think FCRA 605B requires the removal of any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I have had several disputes filed on purchases that were not mine over the past almost 3 years i have had several new bank cards sent just this year alone and transactions unauthorized and not mine right after the cards are activated. The last few complaints date from XXXX 2023 for purchases from XXXX, i have asked them to deny any charges from XXXX  they have let them go through and deny all the disputes. I ama XXXX XXXX and my check is direct disposited each month the charges are between {$60.00} - over {$200.00} a month. I have requested the documentation on their investigation but nothing ever gets sent. Im going to close my account the charges just from XXXX a month are not being resolved and i feel they do not do a proper investigation.