davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax did not remove a medical collection under {$500.00}. I filed dispute Confirmation number : XXXX on XXXX to remove a medical debt under {$500.00}. Equifax reported that it is being reported correctly. They previously removed the debt earlier in the year as they should and it came back to the report in XX/XX/2023. Equifax even has a creditor class of " XXXX XXXX '' for the {$440.00} balance. 

To add, I paid the account in full, and I'm not sure what the {$440.00} is for anyways. See attached details : 1. Original invoice for {$2000.00} from the ambulance company 2. New invoice showing the {$2000.00} paid 3. Equifax dispute document that shows " XXXX XXXX '' and a balance of XXXX, with their statement saying it is correctly reported.
Consumer complaint received 2024-05-01
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. (OH)

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-09-01
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX  Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX violated my rights 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.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a pre-approval from capital XXXX, I went and purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX XXXX  XX/XX/XXXX. A few days later i took car back because performace on vehicle didnt stand up to what i wanted. Couldnt return only trade but couldnt find nothin. On XXXX of XXXX I tried to return car to capital one because it was just sitting not being driven. They told me I couldn't return car because it wasn't In delinquent status. So in XXXX I was driving heard a noise and lost control and wreck. The car was towed to a impound lot in XXXX XXXX. I called capital one and advised them.. So i was going through a insurance claim investigation to see if I or vehicle was at fault to pay claim. So from XXXX until middle of XXXX car was in impound. I contacted capital XXXX plenty of times hey insurance is still under investigation if u can't wait the vehicle is here you can go get it. They never went and got it. So Finally middle of XXXX insurance company accepted claim. They paid the impound lot and had it towed to a shop to get the wheel issues fixed. I picked it up and shopped around for a body shop. Finally middle of XX/XX/XXXX I found a body shop in XXXX, ohio. I advised captial XXXX of everything. So Finally in XX/XX/XXXX the body shop called and said the vehicle was ready bit still waiting on further parts. I kept in contact with capital one during this whole process so come to find out they charged vehicle account off and offered a settlement. Oh was I mad because u could've just got the vehicle back wrecked. So now I can't get a car loan without a cosigner. Capital XXXX will not remove this charge off and the account is paid.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/17 I was contacted by XXXX XXXX, stating that their client XXXX XXXX bought old debt from Commenity Bank, I they were serving me as they spoke to me extremely aggressively to say they will fight in court and serve my employer for wage garnishment, which made me reactive because Im in XXXX. Thus debt they said was very old, but would not share anything else. They also somehow got my daughter XXXX number and called it yesterday knowing they had mine to say they were looking to teach me. This was an elaborate scheme. I called Commenity a Bank yesterday as well and they went back nearly 20 years in the Recovery dept, and have no charge offs or anything negative on my file-No unpaid debt. This company would not substantiate anything and made me feel pressured to sign Now to settle debt at {$1100.00} I quickly called XXXX XXXX Bank where I the payment from and put a stop on it
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I received an XXXX and XXXX XXXX XXXX alerts today ( XX/XX/year> ) via email of delinquent payment status on my Citibank Credit Card. During my call with Citibank XXXX on XX/XX/year>, this account was closed XX/XX/year> with all fraudulent / unauthorized transactions that I disputed had been reversed. In this regard- the closed account should have a XXXX balance. Per my credit report my closed account with Citibank has an outstanding balance of {$12000.00} I called them several times and had been passed around with different personnel who can't answer my inquiries.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I have a case open with the citi executive office team. The number of the case is : XXXX. 

I've also emailed their ceo with no response. 

I have a situation where I applied for the Citi XXXX XXXX, with the offer of spend {$4000.00} in the first 3 months and you receive a bonus of XXXX thank you points. 

When I applied I spoke to a representative over the phone, where I double checked with the representative I would quality for the offer. They checked and confirmed with me that I WOULD QUALIFY. I took them at their word and finished the application with them. 

I got the card eagerly, and put the spending on it quick and already spent over XXXX. I noticed I never got my reward for spending the XXXX. 

I called the executive response team, and they eventually opened a case and confirmed and pulled & listen to the call. The representative did say everything I mentioned. They apologized for it happening and told me, even tough I was right that the representative lied to me when I applied about me being qualified for the offer, they didnt have a way to put the thank you points in my account. 

I disagree with this. I feel taken advantage of and my credit has been impacted. I cant go back and not apply for this card and the only reason I applied for this for the bonus offer. 

I wouldn't of applied for this card without qualifying the bonus offer and even admitting there was a mistake from their representative with what they told me ( confirmed by pulling the phone call recording from their records ) they refuse to award me the points saying they have no way to do so. 

I would have never applied for this credit card if I didn't quality for the offer that the representatives confirmed I qualify for. It's impacted my credit, and I feel the only reason the representative told me I qualify for the card is to meet a sales goal. 

If this matter does not get resolved to what was promised by the representative I will have an attorney get involved.
Consumer complaint received 2019-10-22
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. (NV)

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 and all accounts 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX/XXXX XXXX and XXXX / XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (SC)

I had my identification stolen and my bank account was hack. it was used to get loans. my bank was closed the account and order stop payments to the company. I have sent police report, Stop payment documents and account from bank and FTC report. 

XXXX XXXX was XX/XX/year> {$2600.00} XXXX XXXXXXXX XXXX {$1900.00} was XX/XX/year> XXXX
Consumer complaint received 2023-09-16
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; 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 XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX DIGI CRD/S XX/XX/2023 ; COMENITYCB/ZALES XX/XX/2023 ; XXXX XX/XX/2023 ; FARMERS XX/XX/2023 ; BANK OF MO XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; GTECONSUMR XX/XX/2023 ; CAMPUS XXXX XX/XX/2023 XXXX LAKECITYJA XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; STELLANTIS XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; FRC/TBOM XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; CCB/ACADMY XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; SYNCB/LOWES XX/XX/2023. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-09-16
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} ; XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (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 15 USC 1681. 


Account name : dept of education/XXXX  Account # : XXXX dept of education/XXXX  Account name : XXXX XXXX Account # 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 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 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MA)

A total of {$10000.00} was illegally taken from my account. I live in Massachusetts and work in XXXX, NH while the crime was being done. The transactions were done at chase bank, 2 locations in NJ and 1 location Washington. Dates of the the crimes were between XX/XX/XXXX - XX/XX/XXXX. I put out various claims at my local branch ( XXXX, Ma and XXXX, NH ) also over the phone/online with the fraud department. Both cases been closed and have told me that theres in nothing they can do and refuse to return my money even though they were done at their branches.
Consumer complaint received 2024-07-01
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. (NY)

In accordance with the fair credit reporting act 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency cant furnish a account without my written instructions USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity theft and have been struggling to remove fraudulent information from my credit reports for the past two years. While I was outside of the US, nine credit accounts were opened in my name without my authorization. 

I have filed numerous disputes with XXXX, providing them with a police report, an identity theft report, and an XXXX as proof that I was out of the country when the fraudulent accounts were opened. Despite this, XXXX has refused to remove XXXX fraudulent accounts : XXXX  XXXX XXXX XXXX XXXX XXXX  Instead, they mistakenly removed my legitimate XXXX account, which I am now attempting to reinstate. 

My Equifax report contains XXXX fraudulent account belonging to XXXX  XXXX XXXX. 

I am seeking assistance in resolving these issues and clearing my credit reports of all fraudulent activity.
Consumer complaint received 2024-01-18
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.