davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

in response to numerous requests from CapitalOne we upgraded to the Venture X card. Since it was an upgrade, they said we were not eligible for rewards since it was an upgrade and not an application. CapitalOne stated we can not revert back to our old card, they will charge me the {$390.00} fee. They claim in a recorded call, my wife acknowledged the terms. When I asked for the recorded call, they will not release recorded call.
Consumer complaint received 2023-05-19
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX  Bankruptcy : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX XXXX Balance : {$140.00}.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} Consider this as my follow-up complaint.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Every morning I get the same phone call and sometimes in the evening as well. I've tried setting up a plan and I wasn't sure of the exact day I was able to make the first payment so i estimated the which day and when i missed the payment i got a call and the guy on the phone kept insisting I needed to pay something that day. Kept interrupting me everytime I tried to explain why I couldn't pay. So I hung up on him and now I'm called every morning and sometimes evening.
Consumer complaint received 2023-12-01
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. (FL)

I am writing this letter in regards to the XXXX inquiries on my credit report. These inquiries are all XXXX and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit 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
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-12-26
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. (MI)

I noticed that all three reporting credit bureaus are not reporting accurate information. I believe that I could potentially be a victim of identity theft because there are many inquiries being reported that I have no knowledge of. There are also accounts I have removed from one bureau but others are still reporting.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (OR)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

20 year customer of Bank of America and " their '' system glitches failed to autopay my account and emails failed to be delivered, many calls to customer service after I received a past due letter " weeks '' later than when printed and dated, paid same day and before due date with all late fees, BOFA cancelled my card and reported 2 months late lowering my credit score, sent letter to the VP of credit services XX/XX/XXXX and never received any response or callback, sent letter to BOFA XX/XX/XXXX requesting for card to be removed from reporting agencies and never received any response or callback. Disputed my credit report via XXXX and after whatever BOFA did lowered my score XXXX points, provided evidence to BOFA that their system was failing to send emails and never received due payment emails and was unaware autopay was no longer working, this was my longest history credit card and with the lowest limit {$500.00} and will continue to affect my credit report till XXXX. It is very clear to me that Bank of America is acting in bad faith and has done nothing to resolve this issue. I will persistently continue to challenge this XXXX or they can do the right thing and remove this card from all 3 credit bureaus.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, 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)

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

XXXX. XXXX, XXXX : # XXXX, has 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.
Consumer complaint received 2023-11-04
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-09-02
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)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The XXXX credit bureau have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX  XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MO)

I have loans with MOHELA and am currently in paid ahead status. They took {$3100.00} out of my account with I owed XXXX. There are XXXX problems with this. Number XXXX I am in paid ahead status and owe no money currently. Number XXXX I am on an income driven plan and this monthly payment amount is more than I make on a paycheck. So that isn't accurate. I have requested a refund for the amount that was taken that I did not owe and the first time it was declined due to some issue with how it was requested and the second time it was cancelled for unknown reasons. I have spent hours on the phone and just keep getting told they will resubmit my request.
Consumer complaint received 2023-05-19
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am unable change the location of direct deposit of my USAA annuity because USAA will not give me instructions. There are no instructions on the website. I spent two hours on the phone with reps XXXX XXXX, XXXX XXXX, and XXXX, and was never able to get instructions how to change the location of direct deposit of my USAA annuity. XXXX gave me instructions how to link my credit union to USAA but did not give me instructions how to change the location of direct deposit on my USAA annuity. 
USAA can not use corona as an excuse for the slow service because their service has been slow for 13 years and why I closed my account with USAA 13 years ago. I would cash out the USAA Annuity and be done with USAA for eternity but the contract does not allow cash out. Please help me to get USAA to do their job and give me complete correct instructions how to change the location of direct deposit of my USAA annuity. Thank you!
Consumer complaint received 2023-11-04
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. (GA)

I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an XXXX XXXX XXXX XXXX XXXX. I have attached a letter from my case manager confirmed my XXXX XXXX. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed
Consumer complaint received 2023-05-19
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I recently got a cash card to link with my PayPal account. I rarely used the card it was more of my card for a rainy day and so I was depositing money or my friends or family would send money and deposit with my PayPal link. So as I was going to pay a bill the other day I became aware of the amount I should have had wasn't there. So I reported the charges to PayPal who claimed other transactions contradicted the complaints I had. They were a XXXX and XXXX charge on my account and a few pizza charges these are things I wouldn't do I don't eat pizza and I don't have a need to use a hotel on any level.So they denied my dispute and even though I said that if a transaction did occur just because of other transactions doesn't negate that there are other charges unauthorized and as such my monies is protected I called these places and oone hotel XXXX  XXXX said they would correct the charge we spoke on XX/XX/18 and XXXX XXXX hasn't returned calls ive made, phone messages also. I change my PayPal password and added notifications to alert of ANY transactions made thru text or email so as to protect at the point of use instead of way after and to note that I will check my account weekly or byweekly and just more frequently to keep track of all transactions.And to swiftly address instead of being surprised as I was to know I had enough to pay a bill then find out because the unethical motives of others I've become a victim and I now feel vunerable and untrusting of the unown situation or people
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo - foreclosure- Payment arrangements were made and we were working with the Bank the last document was that our property was sold, We were not given the opportunity to reclaim the property. We would like to be a part of any law suite that will provide us with a refund and give us an opportunity to purchase another property for the same cost Load Date : XX/XX/2006 Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, SC XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX {$160.00} Sales Price : {$200000.00} Interest Rate : 6.750 %
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (AZ)

I have been calling since XX/XX/2023 to get status of my title. VW has since XXXX blamed a change in vendor as to why I have still not received my title. I call every week and make sure its documented and every single time they have said its been ordered, everything according to their records has been completed and ready to send me my title since XXXX. I paid for expedited shipping service and to date I still have to title and everyone says its been ordered. I cant sell my vehicle for 4 months now because of this. I paid for this vehicle and am having to pay insurance and everything elses because I cant sell because VW is withholding my title and blaming another company for not sending it.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NJ)

I received a credit card in the mail from XXXX XXXX that I did not apply for. When I contacted them they asked me to call the Bank that opened the credit card Commenity Bank. When I called them they said someone had used my identity, my social security and date of birth to open a credit card in my name and had charged {$570.00} on beauty products. They have closed the account and I have also contacted XXXX  to place a fraud alert on my account. I am fearful of new accounts being opened and so am reaching out to you ... 

Thank you
Consumer complaint received 2024-03-22
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. (FL)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to XXXX XXXX XXXX. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with XXXX XXXX XXXX nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C 1681 et seq, including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure utmost accuracy in their reporting practices. 

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ). 


I appreciate your immediate attention and resolution to this pressing issue. 

Sincerely, XXXX XXXX