davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In XXXX and XXXX of 2018, I called one of my creditors which is Capital One.

I was trying to catch my payments up. And as much as I care about my credit. I called Capital one to ask them what will be the minimum payment I need to make before it goes into a 30 day late. For both months I called in, I asked the same question. And for each month they gave me a amount. I made those payments. Came XX/XX/2018, I realized when I go to check my credit, they had both XXXX and XXXX a 30 day late on my credit. I immediately started to contact them about that and told them that was incorrect. If I'm not mistaken, when I called the in one of the Reps told me that It was a different amount that was needed, and not what I paid. I told them I paid what was told to me that was needed to be paid. I asked them on several attempts to check for the recorded phone calls for both months. I've sent letters, over and over again in my defense and they refuse to check the the phone recordings.
Consumer complaint received 2023-11-07
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. (MO)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts made by your organization to immediately remove charge-off account from my credit report. I believe there has been a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been diligently addressing and resolving my financial obligations. In this regard, I have been closely monitoring my credit report to ensure accuracy and fair representation of my credit history. However, over the past few months, I have noticed several erroneous attempts by your organization to remove charge-off accounts from my credit report without my consent. 

I would like to emphasize that the charge-off account in question are accurate representations of past financial issues. While I understand the importance of credit repair and the need to rectify any inaccuracies on my credit report, these charge-off account is legitimate and should not be removed without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to remove the charge-off account from my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these multiple removal attempts and any documentation supporting your claims. 

Review and assess the legitimacy of the charge-off account in question, ensuring that they are accurate and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting, and I am committed to maintaining a fair and honest credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your immediate assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On the below dates I did not authorize or give permission to no one to run my credit nor did I have any knowledge of these events 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 2023-09-17
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: Paypal Holdings, Inc (CA)

On XXXX XXXX XXXX I booked a reservation with XXXX XXXX for a trip to XXXX, XXXX. I used my XXXX credit card ( ending in XXXX ), linked to my PayPal.com account, to make the payment. However, on XX/XX/, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. To resolve this, I opened a dispute with PayPal for a refund. Regrettably, PayPal closed the case in my favor but refunded only a partial amount of {$140.00} XXXXXXXX XXXX  to my XXXXXXXX XXXX. The correct refund should have been {$140.00} USD, not XXXX pesos. Despite my efforts to rectify the issue with PayPal, they have refused to correct it, saying that I need to take this matter to small claims court as they are no longer going to assist me. I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament. 

Original Transaction ID for the purchase of {$140.00} : XXXX Second Transaction ID for the incorrect {$7.00} refund from PayPal : XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2023-08-26
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. (CA)

I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-26
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. (PA)

During covid XXXX XXXX continued to bill me without my knowledge. XXXX did not provide me with any documentation to support that they gave me prior notice, that I would still be billed despite a national crisis. This has deter me from purchasing a home and has stayed on my credit permanently. I reached out to XXXX several time to settle this debt so the late payments can possibly be removed. XXXX continued to deny my request. Per my previous request to XXXX I can settle the payments that were missed if they remove the history from my credit history.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off XXXX, XXXX, equifax XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, XXXX, EQUIFAX I have two XXXX XXXX credit cards open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NV)

There was a judgement that was passed during a class action lawsuit Santander Consumer were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So Santander account number usa XXXX is violating my right per fcra please delete off my credit report attach is the court order
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (MD)

I deposited two XXXX checks in the course of one month. The first check I was unaware the definition of XXXX it was an old check I had saved. The bank called me and said it was an issue with the signature on the check not the date. They asked me if they had permission to reverse that check and for me to take the check to the bank to check the signature. I gave them permission because I had already settled the bill. The second check I deposited I learned then about XXXX checks. The day it returned I called the bank to see the problem, they stated the reason was pending call back tomorrow. I could not call back because I had to fly home to see my father. My account was held for fraud while I was in another state with my father in hospice care. I have been a customer for almost 20 years. The bank gave me an extremely hard time. Every instruction I followed through on they did not deliver on their promise. Supervisors hung up on me and never called back. XXXX XXXX a supervisor was so rude and condescending he told me that he did not want to give me false hope. They told me my accounts were frozen and it could not accept deposits or money be extracted but they allowed my payroll check to deposit. They also allowed me to deposit cash to settle things for them and still refused to release me. I waited for at least an hour each call. I visited the branch 4 times ; I am a XXXX XXXX XXXX I am not a fraud and they just treated me like I have not stuck with them for this extended time. The bank told me over the phone to go to the branch to settle the account and close it at the branch. I went to the branch, and they did not have the authority to do this. Then they told me to bring the money in cash to lift the hold so I could close it and be done with them. After I did that, they told me the investigation just started because I gave them the cash and they would not lift the hold. Truist is a nightmare they don't communicate properly ; they don't keep their promises and they don't care about their customers.
Consumer complaint received 2024-07-11
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. (OH)

Why the bureaus reporting this as late payment I'm always pay on time, I can't remember I pay late I know I never pay late delete this late payment status I'm paying om time always
Consumer complaint received 2024-06-25
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I sold my vehicle to a private party on XX/XX/year>2024. Bank of America stated that they could not release the lien immediately and that it would take up to 10 business days. After working with several individuals at Bank of America, they stated that the lien release would be done on XX/XX/XXXX. One of the last attempts was on XX/XX/XXXX, and when I called, the customer service rep stated that it would take up to 2 more weeks for it to arrive by mail but that I could expedite if I pay for overnight shipping. I went to a local branch who called corporate and confirmed the lien release would be released on XX/XX/XXXX. 

I called Bank of America today ( XX/XX/XXXX ), and was notified it would take 15 additional days for the lien release to occur. This is contrary to the other calls I received. 

I had to call and go 2 supervisors up in order to get a someone that would assist and find a compromising solution to have the purchaser 's bank call to verify the loan check they used to buy the vehicle cleared. Even then, it is a 2-3 day wait plus shipping
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In the month of XXXX I deposited extra money to my Capital One account. I have had my card for many years. I wanted to buy a plane ticket. From that moment on, my account was blocked. But they just ignored me, the transaction was suspicious, that's why I sent them my identification but they didn't accept it. I asked to speak to the supervisor but there was no positive response.