davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was approved for {$300.00} I was paying kohls on time {$27.00} if there was a late i would double the next month so back in XX/XX/XXXX i ordered pillows and towel set that was supposed to be shipped as one full order but wasnt at this time i lived in and loft where packages left unattended where people can come straight in and leave right out there where no managers in this building or receptionist. I was supposed got the items in XX/XX/XXXX but never did even though they said delivered so we went back in forth about this and the agent talk to a supervisor and i hold them to closed the account because of items i didnt recieved that i want that charge of {$84.00} reversed off my card becaused they had already charged my account just mind i just paid my XXXX payment of {$27.00} which my account was at the time {$210.00} witch made my bil XXXX. Which i was under the impression they was taking the charge off my account closing the account that day. I told them i was going to be moving in XXXX and to send the bill to the new address that i gave them because i had mail forwarded early to a different address because i new how slow usps is delivering mail. That my account was going to be closed i wont be able to used it anyway online so i gon na call in payments. But didnt here from them offical closed account untill XX/XX/XXXX when they agreed to closed the account in XXXX the XXXX  me month i XXXX recieve the item. I the reciept of last payments and charge im talking about.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (VA)

Specialized Loan Servicing transferred my loan to XXXX yet has not reported this transfer to the credit reporting agencies. This has resulted in my credit report with XXXX showing both my balance with XXXX, and my balance with Specialized Loan Servicing.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have requested the assignment contract and the the contracts with my wet signature regarding alleged debt for verification. as of date after multiple request have not received. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX  at XXXX my husband uses a ATM from Bank of America in XXXX to make a deposit in my account. However, the ATM went wrong, and the deposit was no completed so do not appears on my bank records and also the ATM took all the money. Was {$47000.00}. We called the bank a lot of times and they instructed us to open a Claim Process, but however, we received the answer that it would not be possible to give us the money back.
Consumer complaint received 2023-09-20
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. (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 15 USC 1681.

has violated my rights. Or a 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 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is the 9th time and it's still inaccurate and incomplete information this account is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in the XXXX report. XXXX don't even have payment history Transunion showing no payment history. XXXX has this account as an collection XXXX and transunion as this account as a charge off. Remove this account immediately!! 
So experian has failed to complete the inaccurate and incomplete information. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (OH)

Today, after sending in the attached Affidavits Western Union ( WU ) that they requested, upon my refund status seeking phone call for WU case # XXXX, the Agent first informed me that it has been over a year since the money orders were cashed and WU is not responsible! WU automated line led me to believe that my mortgagee had cash the money orders ; No fraud alert heard at all with each call check!

WU caused me financial loss because they honored my two clearly altered money orders totaling {$1500.00} on XX/XX/XXXX. The money orders were originally made out to my mortgagee, XXXX XXXX! A complaint was also filed with the XXXX XXXX XXXX XXXX XXXX XXXX, because they were stolen after they were mailed. WU also collected a {$15.00} tracing fee for each of the XXXX moneys orders knowing that they could not help me since the alteration happened over a year. 

WU engaged in very poor customer service because they received my two-money order tracing request on XX/XX/XXXX via USPS as confirmed by the postal tracking number : XXXX. According to WU, it would take XXXX XXXX XXXX  days to process my request. I called XXXX several times in XXXX and each time the representative falsely claimed that the copies of my cash money orders were mailed to my home address on XX/XX/XXXX. WU finally sent my tracing request via my email on XX/XX/XXXX.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-16
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

sent many letters and filed many disputes, for contract and any proof i owe them anything, failed to provide any info or contract between me and or contract with original debtor with detailed contract info and any payments made. shows balance owed on credit report, as which i owe them nothing and FCRA violations.
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: EQUIFAX, INC. (DE)

I am writing to formally dispute multiple credit inquiries on my credit report within the past month. According to my records, there have been multiple inquiries made on the following dates : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX  XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose to access a consumer 's credit report. I did not authorize any company to make these inquiries, nor did I apply for credit with these companies on these dates. 

I am requesting that you provide a detailed explanation and evidence of my authorization for these inquiries. If you are unable to provide this documentation, I ask that these inquiries be removed from my credit report immediately. 

Additionally, I am notifying the credit reporting agencies of this dispute and requesting an investigation into these unauthorized inquiries. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (PA)

XXXX XXXX!! Informed the company I have been out of work for medical conditions. They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration
Consumer complaint received 2024-08-16
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX Opened XXXX BALANCE {$820.00} Account Number : XXXX XXXX # XXXXDate Opened XXXX BALANCE {$0.00} Account Number : XXXX XXXX XXXX-Date Opened XXXX BALANCE {$390.00} Account Number : XXXX XXXX XXXX XXXXDate Reported XXXX BALANCE {$590.00} Account Number : XXXX XXXX XXXXDate Opened XXXX BALANCE {$7200.00} Account Number : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Number : XXXX XXXX # XXXXDate Opened XX/XX/XXXX - BALANCE XXXX XXXXXXXX Account Number : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$440.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$450.00} Account Number : XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - BALANCE {$4200.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2018 I sent a certified debt validation letter to XXXX XXXX XXXX  and havent received any debt validation from this company and its been well pasted the 30 days. This company has put this debt on my credit reports without validating thats its mines.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated 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 are fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-16
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. (TX)

Experian has allowed the continuous lifting of my freeze and fraud alert without my knowledge allowing the hackers to change my information whenever they want to. They then have proceeded to apply for credit cards, etc.. Attempts to have Experian prevent this from happening since 2019 have been in vain. I have tried to contact them personally to correct this, but I've been unable to talk to someone. I don't know what else to do to prevent the hackers from lifting my freeze and fraud alert with Experian whenever they want to.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

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.