davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (FL)

After disputing incorrect information on my credit report, for which I requested the method of verification and detailed information about the contact they had with the individuals reporting inquiries on my credit report, which, under the FCRA law, do not serve any permissible purpose such as a firm offer of personal credit, employment, insurance, or a court order, and are not within my knowledge, I am requesting their immediate removal from my credit report as they are causing damage to my personal credit history. Despite several dispute attempts, I have not found a solution to my problem. I am once again asking you to reconsider my dispute and provide detailed information on the investigation ; otherwise, I request the immediate removal of these inquiries from my credit report.
Consumer complaint received 2024-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear Capital One Dispute Resolution Team, I am writing to express my extreme frustration regarding the unresolved status of my complaint, ID XXXX, which was filed on XX/XX/year>. As of today, XX/XX/year>, my complaint remains unaddressed, significantly exceeding the 30-day resolution window mandated by the Fair Credit Reporting Act ( FCRA ). 

Despite multiple attempts to resolve this matter, I am dismayed by the lack of due diligence and effort exhibited by Capital One. I have provided substantial evidence to support my claim of identity theft, including : Identity Theft Report Police Report Letter from my Commander Orders proving my XX/XX/XXXXXXXX in XXXX It is evident that I did not authorize the accounts in question, and my documentation substantiates my whereabouts during the period of the fraudulent activities. 

Under the FCRA, specifically 15 U.S. Code 1681i, credit reporting agencies and furnishers of information are required to investigate disputed information within 30 days of the dispute being filed. Given the significant delay in addressing my complaint, Capital One is in violation of these federal regulations. 

Additionally, under XX/XX/XXXXet seq., I am entitled to a prompt investigation and resolution of disputes related to identity theft. Capital Ones failure to resolve this issue in a timely manner is also a breach of these state-specific protections. 

Given the substantial delay and the evidence provided, I request the immediate removal of the unauthorized accounts from my credit report. The continued inaction on Capital Ones part is unacceptable, and I require this matter to be closed and rectified without further delay. 

I expect a prompt response and resolution to this matter. Please confirm the removal of the unauthorized accounts from my report and provide written confirmation once the issue is resolved. 

Sincerely,
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Consumer complaint received 2023-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a repossession from XXXX XXXX on all 3 credit bureaus. Ive written to the companies and advised that i was involved in the class action lawsuit they had against them for predatory lending. XXXX had agreed to remove any and all derogatory accounts pertaining to the lawsuit. Ive disputed woth all three credit bureaus and the derogatory acct. is still showing on my credit report.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TN)

I relocated from XXXX  to XXXX, and while moving, I was using my card ( ending in XXXX ) and making charges. The card was lost or stolen at some point because I could no longer locate it. I called Chase and explained what happened. They said they would close the card and issue me a new one. The new card ( ending in XXXX ) was finally received. 

When reconciling my bank account online, I noticed charges to the new card. These charges concerned me because I had never ( and still have not ) activated the new card. I called Chase to inform them that these charges were fraud because [ again ] the card had not been activated or used to make any purchases. Chase continued to ask me about charges to the 'previously lost or stolen card ' and I kept telling them I was calling about unauthorized charges on the new card. I received my credit card statement and saw the charges were still there, so I wrote that the charges were fraudulent and mailed the statement back to Chase ( at the address on the card statement ) disputing the charges. I am still waiting to hear from Chase regarding the dispute ( fraudulent charges ). 

XXXX, XX/XX/2022, I went to balance my account ( via mobile services ) and noticed that Chase authorized additional charges to the new card. XXXX, XX/XX/2022, I called Chase to speak to them about this, and the customer service agent ( XXXX XXXX told me that they had linked the lost or stolen card to the new card, and the charges were 'subscriptions. ' So, I understood the agent to say that Chase will close a lost or stolen card and issue a new card but link the new card to the lost or stolen card. I asked the agent if my understanding was correct, and she said yes. The agent said that because they are subscriptions, they are authorized subscriptions. I attempted to explain that I would not be held responsible for charges I did not make. The agent interrupted me and said she 'never said I was responsible ' I ended the call in anger and frustration.
Consumer complaint received 2024-07-05
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (IN)

XX/XX/XXXX I started a vehicle loan with American Credit Acceptance , LLC. The amount of the vehicle loan was XXXX, interest rate of XXXX, monthly payment of {$770.00}. {$500.00} downpayment was required. Completing this COMPLANT found a form in the stack of sheets stating at the end of this loan the total amount paid will be $ XXXX was not stated to me during the initial transaction. Today the loan is only down 2 % with a balance amount of XXXX. In XX/XX/XXXX I contacted the loan company due to financial hardship due to XXXX in hopes of refencing the loan. During this call I was informed that the company does not offer refinancing and that I would have to figure that out on my own with a different company. I tried to refinance with a bank and other company not luck because of my debt to ratio due to having this vehicle. After not being successful with refinance I did reach back out to American Credit Acceptance in XX/XX/XXXX inquiring of refinance and was told again the company does not offer refinancing. I tried to go on the portal for my payment history-it 's not available anymore on the portal. During a call XX/XX/XXXX I called to make arrangement for a payment per the rep suggesting for me to " pay extra to go towards the actual loan '' Also, during this same call I asked that my payment history be email to me, I was told it would take XXXX hours- I have not received the history as of today This has grown into affecting my health and credit, I do not feel the loan was given with expectation of being paid successfully.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

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 2024-06-17
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collections has violated my rights and damaged my credit history. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

I also attached proof.
Consumer complaint received 2023-12-23
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)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 2. XXXX  XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 3. XXXX XXXX XXXX, Inquiry Date XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-06-17
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. (DC)

I filed complaint to the credit bureaus regarding inaccurate scores on my credit report. My letters have been rejected and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-09
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. (MA)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2023-11-08
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)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My car was in a total loss XX/XX/2023. XXXX starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with safeguard XX/XX/XXXX that the payment had arrived. 
3. XXXX told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history XXXX have been inaccurately reported. I also believe that the payment was posted non advance the. XXXX posted normal. That left me past due.
Consumer complaint received 2023-12-18
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-18
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. (NV)

I called Transunion to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. Here they are as followed, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I attempted to product change my current credit card to another type through the process suggested on the Capital One website. I called customer service who told me the only way to change it was if a random offer was computer generated. I then escalated to the next level of customer service and had an incredibly rude conversation with that team member who refused to help and spoke to me rudely.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently ensured payments on this account are timely, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY XXXX MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ XXXX AND EXPERIAN ] REPORTING OLD OUTDATED XXXX MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND XXXX IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY XXXX. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

Venmo suspended my account about 4 months ago and they held onto {$730.00} of my funds for lost prevention purposes I guess. About a week ago they send me an email saying that those funds that were held are now available for me to transfer into my bank account, however they didnt make it so that I could link a bank account or card. Ive reached out several times and was told that they had to escalate this issue to a specialist and to wait 5-7 days. Only for A specialist to email me a robotic response saying that my account is suspended for good and the funds will be held up to 180 days and I will be contacted when its available for me to transfer, which makes no sense because I already waited and I already received the email saying my held funds is now available. They keep making me go in circles, how can I transfer my funds if they wont let me link any of my accounts. Why do I keep having to wait 7 more days for? Please let me have my funds already