davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 is fraud.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Have been on the phone with USAA trying to get a dispute resolved. I had two disputes filed with them which were from the same vendor. I filed two claims with them from transmission work I had done. The first one was the deposit before work began and the second the balance when van was complete. My issue is I am getting two different stories about their investigation. The first claim looks to be closed out and was put back on my card on XXXX which made me investigate why? The reason they gave in their letter to me was that the merchant refused to issue a credit and they could do nothing. This made no sense to me since if it was left up to the merchant they would never issue credit. The second dispute I received a letter dated XXXX saying the merchant would credit the amount back if I returned the transmission. The merchant knows this is not an option since I had to replace the transmission less than one month later at another XXXX dealer and that dealer retained it when they replaced the poor workmanship of the first dealer. After many attempts to explain this and to USAA people they escalated it to their Member Resolution Dept. who was no help and shut both of the claims down as of today XXXX. How can two investigations for basically the same transaction come up with two answers from the merchant and then just decide that he is telling the truth and my claim is not valid. The Member Resolution Team shut the second claim down even though I had till the XXXX to respond to the XXXX letter which I did. I was also told last week by the USAA credit card division that they woudl reopen the case. Less than XXXX hours later they said their decision stands. I was told that I would have to resubmit and start the process all over again via mail, which also makes no sense. I tried to get back to the Member Resolution team a second time and after waiting almost XXXX minutes on hold they answered and I was disconnected. I feel abandoned and left to fend for myself when the whole reason we all use credit cards is to have some type of protection from poor workmanship.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, On XX/XX/XXXX I realized there were XXXX  unauthorized transactions from merchant XXXX XXXX. The XXXX  were reoccurring and the transaction added up to {$5100.00} I called the merchant but was only sent to a voicemail. I then filed a claim with Wells Fargo and this claim was open on XX/XX/year>. On XX/XX/year> ( which happens to be the XXXX business day ) the claim was denied, I was told Wells Fargo can not tell me why this was denied. 

I made an account with this merchant with my DL information but after doing research I found out that XXXX XXXX is an illegal offshore gaming website that i saw initially had a US address however the purchases say XXXX. I did not receive any coins nor did I benefit from any of these unauthorized purchases.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I checked my credit report a few months ago and saw this account on my reports. It is not mine, I am a victim of identity theft. I have filed a police report and trying to get these matters handled. I need this account removed from my name and my reports immediately. This is my final attempt at a peaceful mediation. 

The account number is XXXX.
Consumer complaint received 2024-10-18
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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 2024-10-22
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-22
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)

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 : DPT EDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

I first mailed a payment to Caesars Rewards Visa, Comenity Bank via USPS Priority Mail with tracking number with my full account number on the check and I mailed it with my payment coupon to the address that was on the payment coupon. A month went by with no payment posted. I refinanced my home, and this was a debt that was being paid off. My mortgage company stopped payment and processed a second check that I mailed to the same place back in XXXX. When I call or message them they just tell me to pay it online. My mortgage company does not pay this way and I should be allowed to mail a check and it be posted to my account. To this date my payment has not processed. I have sent numerous messages to the company because the amount of interest that has amassed since last XXXX when this payment should have been processed. I called and am given the run around every time I call. I work XXXX plus hours a week and all I want is my check to be posted to my account. I do not understand how you can say you didn't get a check when I mailed with a confirmation number and it shows delivered to your address. There is still an uncashed check floating around out there and all I want is that it be posted to my account.
Consumer complaint received 2024-01-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

Subject : Notice of Equitable Interest in Trust Account and Request for Documentation Dear [ National Credit System ], all representatives/trustees, Greetings, I hope this correspondence finds you well. I am writing to address the matter of the account [ XXXX ] currently in collections under your management. I, [ XXXX XXXX ], am the beneficiary of the [ XXXX XXXX XXXX XXXX XXXX ], and I assert my equitable interest in the account in question ensuring my rights and interests are duly protected. Maxims of Equity states : Equity regards the beneficiary as the true owner. 

While I acknowledge and appoint [ National Credit System ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I kindly request the following information : Original Trust Agreement : Please provide a copy of the original trust agreement governing the account to verify the legitimacy of the debt collection. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate such as my credit report. Credit means trust based on etymology and report is property of my estate. 
Legal Title : Confirm the legal title and interest you hold in the property associated with the trust. Verification of this information is crucial for the transparent resolution of this matter. 
In addition to the above, I request the following actions to be taken : Maxims of Equity states : Equity does not punish Reporting this account to credit reporting agencies are not beneficial and instead is a punishment to the beneficiary. This is considered adverse action. I requested the following items : Consideration for the Contract : Detailed information on the consideration provided by [ Nelnet ], as consideration is a crucial element of a valid contract. 
Removal or Settlement : If [ National Credit System ] can not provide the requested documentation, I request the immediate removal of the account from collections. Alternatively, if the debt is legitimate, please provide instructions for settling the account in accordance with your fiduciary duties. 
I appreciate your role in protecting and managing the property associated with the trust. As a crusader for my equitable interests, I am now actively involved and assert my right to reclaim my property. I kindly ask for your cooperation in resolving this matter promptly and transparently. We are requiring you to rectify all damages made to the credit profile of ( XXXX XXXX ), more specifically, immediately remove the collection off account and settle the alleged obligation within 14 days. 

Thank you for your attention to this request. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

I have a discover credit card that I had missed payments .I was put on a XXXX  month payment plan which I completed in the month of XX/XX/year> XXXXmy account credit has been frozen I can not use any of my available credit. I checked discover website I cant find anything on their website that states My account will continue to be frozen after completing their program.Last year I was able to use my cash back deal and thats it. I believe that this is a form of discrimination.
Consumer complaint received 2023-07-02
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. (LA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both TransUnion and XXXX I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both TRANSUNION AND XXXX and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I was late in my payment, however all accounts were paid as agreed and never late.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX  XX/XX/XXXX after seeing an ad on XXXX about helping folks with placement for vending machines, I contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX vending machine  at XXXX for a consultation. She assured me that she can help with placement and the purchase of a vending machine to start a small business. She requested {$1000.00} upfront to help secure the location and then XXXX for the machines. I transferred via XXXX XXXX XXXX XXXX to her account at TD bank XXXX on XX/XX/year> routing # XXXX. The address listed for her business is Contact Information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I purchased online worth of {$530.00} but the item was not pick up at the location. The item was returned to the seller. The PayPal reward credit card give the refund money and later on few months they take the money back and added to may balance. After that I called the credit card company and the problem was solved. This year they added to my balance the {$530.00} again and I called them but the problem was not solve. I'm tired of calling them after multiple transfer to a customer service the problem was not even solve. I kept paying and paying to lower my balance but I still owe the credit card which is the {$530.00} still added on my account. I'm tired I agree to pay last year because I cant win with them but this year no way, I need help to fix this. I'm so stressful with this issue. I already pay them and they want me to pay again. I also have some issue with them I always getting an email with receipt that I was charge from XXXX XXXX and XXXX product that I purchase something with my PayPal credit I also told them I keep receiving this kind of email, I report it PayPal credit card and I was advice to forward the email to them. Which is I normally do every time I received an email telling me that I purchase something but technically it affect me and annoyed getting this type of problem. I want to dispute the {$530.00} added to my account or I think I over paid them. I'm not using anymore the card because i want to be a XXXX balance but the way they doing this to me I cant keep it low the balance. Please help me settled this.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon meticulous examination, it is abundantly clear that Capital One is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law. This egregious violation not only questions Capital One 's commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Capital One, especially regarding late payments. 

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Capital One was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights.

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Capital One 's failure to meet these obligations further compounds the severity of these violations.

In light of Capital One 's violation of 15 U.S.C. 1666 ( b ), I request that my account status be promptly updated to " paid as agreed. '' The failure to adopt reasonable procedures to verify the receipt of billing statements has not only compromised the accuracy of late payment reporting but also warrants corrective action to rectify any adverse impact on my credit history. 

It is crucial that the necessary steps are taken to ensure that my credit report accurately reflects the payment history in accordance with the law. I expect Capital One to promptly address this matter and update my account status to " paid as agreed. '' Your immediate attention to this request is of utmost importance, and I anticipate your compliance with this corrective action. 

Done in good faith.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Account Information : Creditor : CARHOP FINANACE, UNIVERSAL ACCEPTANCE CORPORATION ( CO ) Date of First DelinquencyXXXX Amount : {$7600.00} I am aware that under Section 1681e of the ( FCRA ), every consumer reporting agency is.

obligated to maintain reasonable procedures designed to avoid violations of Section 1681c. And to limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Reasons for Dispute : The reported collection account is closed, and I believe it should be updated to reflect its closed status accurately. 
I request verification and validation of the debt, as allowed under the ( FCRA ), including details on the original creditor and the amount owed
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY TRANSUNION XXXX XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.