davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint is with my Capital One VISA. 

Capital One Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX XXXX Case Number : XXXX Dispute with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 for {$1200.00} The goods I ordered were substantially different from what the merchant presented to me. 

After trying to work with the company and failing, I filed a dispute with my VSA. They stated that the reason they did not find in my favor was because I did not send them At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 

The needed information was a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. 

I explained to VISA that store representatives from other furniture stores agreed with me but would be fired if they put that in writing. All other information was provided as the documents below show.

VISA erred in it's opinion by hinging it's denial of my dispute on the fact that other furniture store employees did not want to get fired by writing a letter in support of my claim. 

I was also unable to find in VISA 's dispute language where it says that I have to provide such a letter to prove my case. My case proves itself. see attached documents
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (IL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-12-29
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. (GA)

I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-12-29
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'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 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 2023-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint against TransUnion for Refusal to Assist in Removing Fraudulent Inquiries from Credit Report Dear Sir/Madam , I am writing to file a formal complaint against TransUnion regarding their refusal to assist me in removing fraudulent inquiries from my credit report. On XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a TransUnion representative named XXXX XXXX, who not only declined to transfer me to the fraud department or a supervisor but also failed to provide his representative identification for proper identification purposes. 

The details of my complaint are as follows : 1. On the aforementioned date and time, I contacted TransUnion 's customer service department to report fraudulent inquiries that appeared on my credit report. I specifically requested assistance in removing these inquiries from XXXX XXXX XXXX XXXX XXXX as they were not authorized by me. 

2. During my conversation with XXXX XXXX, I explained the situation and expressed my concern about the impact these fraudulent inquiries could have on my creditworthiness. However, despite my clear and valid request for assistance, XXXX XXXX refused to transfer me to the fraud department or a supervisor. 

3. Furthermore, when I asked XXXX XXXX for his representative identification, he declined to provide it, making it difficult for me to properly identify him and document our interaction. 

This refusal by TransUnion to provide the necessary support in rectifying fraudulent inquiries on my credit report is not only frustrating but also a violation of my rights as a consumer. I believe that it is the responsibility of credit reporting agencies to handle such matters promptly and efficiently, ensuring the accuracy and integrity of individuals ' credit reports. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion for their refusal to assist me in removing these fraudulent inquiries. I believe that their conduct not only undermines my consumer rights but also raises concerns about their commitment to maintaining accurate and fair credit reporting. 

Enclosed with this letter, please find copies of any supporting documentation, including any correspondence, call records, or evidence related to my complaint. I trust that this information will aid in your investigation. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if any further information is required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Consumer complaint received 2023-12-29
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. (LA)

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 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my XXXX score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-12-29
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. (NJ)

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX XXXXXXXX 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. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I had previously enrolled in the XXXX plan on XX/XX/XXXX and called Aidvantage to pay my {$5.00} forbearance on XX/XX/XXXX. The forbearance was until XX/XX/XXXX. I then received an email on XX/XX/XXXX stating that I owed {$2000.00} by XX/XX/XXXX, then received a second email on XX/XX/XXXX stating that owed the same amount by XX/XX/XXXX, and finally received an email on XX/XX/XXXX stating that owed {$2000.00} by XX/XX/XXXX. On XX/XX/XXXX, I called Aidvantage to enquire about why I had received these notices. Under the XXXX plan, I was told that my payment would be {$0.00} each month due to my income level. After speaking to the representative for over an hour, I was requested to apply for the XXXX plan again, which I did. However, I have been charged interest for the period between XX/XX/XXXX and XX/XX/XXXX that should have been covered under the original XXXX  plan enrollment. I spoke to a supervisor about having the correct enrollment date for the XXXX plan applied to my account and this interest removed, based on my original application. This request was supposedly submitted, but when I got my approval for the XXXX plan, the start date was still listed as XX/XX/XXXX, making me responsible for the improperly assessed interest. I called Aidvantage again on XX/XX/XXXX - the representative transferred me to someone who claimed to be a supervisor who kept repeating that I owed any interest charged before enrolling in the XXXX plan, not recognizing the date differences. She then claimed that all supervisors were in a meeting, and they would call me back. I have not yet received a call back. Currently, I have been charged an extra ~ {$6000.00} in interest that would not have been charged had I been enrolled properly at the initial XXXX date ( two representatives at Aidvantage have told me that they can see the initial enrollment date in their system ). In addition, it appears that ~ {$30000.00} in interest has been improperly capitalized on my account within the past 6 months. 

Documents received available upon request.
Consumer complaint received 2024-04-12
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. (GA)

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. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX Revolving Experian : Acct # XXXX XXXX & XXXX : Acct XXXX XXXX Installment 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 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 2023-12-29
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 have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. 

For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. 

I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. 

Time is of the essence, and I trust you will handle this matter with the urgency it deserves.
Consumer complaint received 2023-07-08
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: Velocity Portfolio Group (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-12-29
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. (LA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-12
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. (CA)

On XX/XX/2022, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2023-09-26
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'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 2024-08-06
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here XXXX attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-04-12
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. (CA)

On XX/XX/2022 XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2024-05-03
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.