davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-30
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. (PA)

I send my dispute letter last XX/XX/XXXX but until now I never recieved any response from the XXXX credit bureaus. I requesting to delete or remove all this njegative accounts this is all fraudulent accounts I file Identity theft regarading this issue. I so XXXX and I don't know how to fix it. Here 's the list please delete it now Account Name : 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 XXXXXXXX : {$760.00}
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-06-17
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. (TX)

I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Debt collectors working on behalf of Commenity Bank servicing my Victoria Secret Store Credit card would call daily to collect on the balance owed. I did not receive a statement prior to any of the calls and when called they failed to 1. Properly verify my identity. 2. Failed to abide by FDCPA guidelines advising they were calling to collect a debt and any information would be used for that purpose. 3. Always called from varying phone numbers or " unavailable '' numbers which I believe is also against TCPA guidance. 4. Never advised if the call was being recorded or not. 

Calls were received on the following dates : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  There are additional dates but the calls would show as " SPAM '' and did not show up on my phone log from my cell provider.
Consumer complaint received 2024-06-07
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. (TX)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2023-10-25
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. (CA)

XXXX XXXX - XXXX - XX/XX/2023 - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 accounts, 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 this inaccurate account in my file. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-07
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

We have had our credit card for years along with quite a few other credit cards through Chase and we have been paying down the balance on this particular card b/c we wanted to pay it off and close it out. We paid the balance off on XX/XX/2017 and noticed that the annual fee had hit the account, but figured since we were paying off the card and would be closing it, that it would not matter. I called in to close the account and nothing was mentioned about still owing the annual fee. The final statement we recieved still had the annual fee and interest owed from the previous statement since we paid the balance off in the middle of the month. We then paid that interest owed and still assumed that everything else would clear off. When it had n't done so, I logged on and asked the fee be reversed since we had closed the account and paid off the balance, they have since been stating that they will not reverse it and that it is somewhere in the fine print regarding the annual fee being reversed if the account is disputed prior to the new statement. I do n't ever look at the statements and have only been paying the card down b/c we wanted to close it out. We have other cards with them and use them for our business and personal, but we are beyond disappointed with their customer service regarding this issue! Please help!!! They are raping people with ridiculous fees! : ( : (
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-07
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. (OK)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-06-07
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-07
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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my XXXX, XXXX and Transunion credit reports to no avail.
Consumer complaint received 2024-06-07
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. (GA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-10-26
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I Have tried to speak with XXXX and TransUnion on matters I would like to be removed from my credit report either not equal information with each other or information that is not correct to remove, these inquiries are deeply effecting my lively hood, and I am in a crisis at the moment and I can't not get ANY help because of the credit, well I have tried to email and call and I can't get any help, here is the info, and just loo at the last active date, or anything it is so messed up, I can have this resolved without court, with these removed from my credit report XXXX XXXX XXXXXXXX XXXX ( they are trying to still make me pay ) XXXX XXXX  ( accoount # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX both accounts ) CXXXX XXXX XXXX ( both accounts ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM LOSING MY PLACE TO LIVE, AND MY CHILD AND i will be homeless, lordy please help, I have spent weeks and months trying to correct this
Consumer complaint received 2024-06-07
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

Issue : Inability to set up automatic bill payments. 

History : Took out {$14000.00} credit line on XX/XX/2019 to finance XXXX  XXXX with a 3 year payment plan. Financed with XXXX XXXX, a subsidiary of XXXX   XXXX. 

Problem : XXXX XXXX bill payment platform does not allow its customers to set up recurring monthly payments over the life of the loan. This process takes advantage of consumers vulnerability of making on-time payments since they have to set up manual payments for every monthly payment period over the life of the loan. 

I feel that XXXX/XXXX purposefully takes advantage of consumers to enhance their revenues by charging onerous late fees ( {$38.00} ) knowing that a significant percentage of customers will be prone to missing a payment deadline. They do offer a one-time waiver ; however the chances are significant that consumers will be prone to missing more than 1 payment deadline over the life of the loan.
Consumer complaint received 2024-07-30
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-07
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-07
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2021-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX  XX/XX/XXXX Closed amount {$1200.00} XXXX. 
XX/XX/XXXX Closed amount {$150.00} Capital one bank USA N XX/XX/XXXX Closed amount {$480.00} Capital one bank USA N XX/XX/XXXX Closed amount {$460.00} I am a victim of a fraud and I only have XXXX  XXXX XXXX  and XXXX XXXX card and XXXX XXXX as my cellphone carrier nothing else All three of my scores should be in the 800s XXXX  XXXX  and XXXX  right now and they are reporting and updating my scores wrong 1 by 1 score and I am not happy about this!!!! Please fix my request thank you
Consumer complaint received 2024-06-06
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. (MA)

am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed. 

XXXX. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question. 
Any previous correspondence regarding this matter. 
Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX  XXXX Collection {$530.00} XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - No. of Months ( terms ) : - High Credit : {$530.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX ( XXXX and Equifax ), XX/XX/XXXX ( XXXX )