davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (CA)

XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX c ) XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX ) XXXX - XXXX of inquiry : XX/XX/XXXX f ) XXXX B - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One Quicksilver card. 

I discovered that there were charges from XXXX ( that I have never used ) for {$310.00} charged for 8 months. 

I also discovered that there were charges from XXXX XXXX  for XXXX from XXXX XXXX XX/XX/2023. 

I tried to find the accounts and contact the merchants but could not login or find an account. 

I. contacted capital one by phone on XX/XX/XXXX. The dispute dept initially seemed legitimate and in line with other cards, They immediately refunded the money - but then TOOOK IT BACK OUT OF MY ACCOUNT HTE VERY NEXT DAY!??? 

XXXX XX/XX/XXXX I called themt o ask why they had done this, They said that they had done an " extensive investigation : ( in 24 hours!?? ) and found that they were my accunts and htey had no more information and I could not appeal ti. They said they had no name, phone numenr or address or way for me to take this any furtehr. IN informed them I would contact the consumer finance agency and XXXX. They said " go right ahead '' The agent ( XXXX and XXXX no last names of course! ) paused for about 20 seconds after I spoke each time and kept reading a script ( as these companies do ). 

I am appalled, I have had a new card issued but I have never experienced a company that admit that they do not call to investigate ( they said they never contacted XXXX or XXXX but sent some sort of electronic tracer ) and they basically insinuated that I was lying, I asked them to show me my account or details and they did not have it. 
I was unable to contact XXXX or XXXX in any way. 

CAPITAL ONE should not be allowed to allow merchants take money in this predatory manner. 

I want my money and the interest from one year back.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Pursuant to12 CFR 229 '' Availibilty of Funds and Collection of Checks Regulation XXXX XXXX XXXX is engaged in Placing a hold on Direct Deposits. 
On XX/XX/XXXX and XX/XX/2023 Capital One Bank Placed a Hold on a direct deposit from XXXX. In addition to placing a XXXX hold on a {$500.00} Dollar check written by XXXX XXXX my wife from XXXX XXXX XXXX. This complaint is Pursuant to Complaint XXXX.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my card was charged {$120.00}, which went through at a XXXX XXXX in XXXX XXXX California. Immediately after, they tried to charge the card again for the same amount, which Bank of America Blocked. Immediately after that transaction was blocked and I was sent a message I called and reported it, and was sent a new card. I explained to them the day before I stayed at a sketchy hotel that I caught someone trying to enter my room in the morning. Ive never been to that XXXX, or XXXX XXXX so it definitely wasnt me. I assume because I had the card in my possession they think it was me, but its so common these days for people to have those card skimmer things. Ive been with BOA XX/XX/XXXX years and maybe had 4 claims the entire time, I would not steal that money and I certainly wouldnt got to XXXX XXXX.
Consumer complaint received 2023-12-08
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. (CO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

on XX/XX/XXXX  capital one Bank in formed me XXXX XXXX XXXX that XXXX XXXX XXXX leveled a restriction on my XXXX personal account alleging I transffered {$600.00} U S Dollars that was not accounted for in my pension payment. I was forced to close XXXX as a result. the attendant mail me {$14.00}? XXXX via cashiers check. My complaint is that Capital One is holding my checks for 7 days in addition to XXXX XXXX XXXX 's get tough policy to run me from that bank Capital seems to put place holding policies that exasperate my issues with XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (TX)

Thursday, XX/XX/XXXX at XXXX XXXX, received call from unknown person claiming to be with XXXX, independent process servers and gave me a phone number to a company called XXXX XXXX XXXX XXXX I called the number and spoke with a paralegal named XXXX XXXX. He claimed that they were attempting to collect a debt that is approximately XXXX XXXX XXXX from XXXX XXXX I informed him of the Statutes if Limitation in Texas ( 4-7 years ) for debt collection and he became belligerent and stated that only applied if there was a tolling agreement. This is false. He threatened that the company was filing suit and that we could bypass it if I agreed to settle for half of the cost. This debt, if it existed, does not even show on any of my three credit reports. This is harassment, lies and threats
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Name of Account : XXXX  XXXX Rewards Credit Card Account Number : XXXX Name of Account : XXXX  XXXX Platinum Credit Card Account Number : XXXX
Consumer complaint received 2023-12-07
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)

XX/XX/2023 a letter was sent to equifax explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am currently on XXXX XXXX XXXX ( XXXX ) and requested through XXXX a Bank of America debit card for faster payment. On the XXXX state website it states you can request an emergency wire transfer if you are waiting to receive your card and already got payment by contacting customer service. I called XX/XX/XXXX and requested a wire transfer since I have not received the card. The customer service representative said she could not do that because I have to receive the card first, activate it, then I can receive my money. I asked her if she can provide that policy because that is not what it says on the state website. I called again on XX/XX/XXXX and was told the same thing. I asked for a supervisor this time and asked them to provide a copy of that policy. I asked him to view the XXXX XXXX website because that is not what it says. He then said he will do it. He asked what ID I was going to use at XXXX XXXX to pick up the cash. I told him military ID. He then asked for the ID number and I asked him if he needed the XXXX number on the card or the health benefits number. He then questioned if it was a VA health card and I told him no. I informed him I was a 100 % XXXX veteran and was issued a XXXX military ID card. He then stated it was not an acceptable government ID and the only acceptable military ID they can take is XXXX XXXX. I asked him where it says that on the XXXX XXXX website, Bank of America website, and XXXX XXXX website and he could not find it stating that. I asked for their policy on government military ID card and he could not provide it as well. I told him I would waive all rights and liability if XXXX XXXX does not accept my ID because he stated it would take 30-45 days to receive money if XXXX XXXX does not accept my ID and holds the funds. He said he can only release {$300.00} out of {$1900.00}. I was on the phone with him for an hour and he said that is the best I can do. I explained to him I was on a military base earlier in the day and my XXXX issued ID card was accepted at which point he insisted that I have to be XXXX XXXX. He then said the {$300.00} is all I can receive to take or wait for my debit card in the mail. That payment he would not release caused hardship and emotional distress. I felt discriminated based on the fact I told him I was a XXXX veteran.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IL)

I bank with JP morgan with Chase and for the have been charging me {$25.00} service fee for no reason. As you can see below, I had all the charges reversed by either making a trip to one of their location or by making a phone call. Each time I was told it was an linkage error and it would never happen again. In XXXX I wanted to be proactive and went to their location and spoke with a lady by the name XXXX XXXX. She told me everything looked fine and I should n't see any charge. As you can see below, I was charged for the 7th time on XXXX XXXX and I will go tomorrow and close the account and move my money to a different bank, but in the mean time, I think this is stealing and that 's why I decided tfile a complaint. 
Please see below. 
DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX  | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-05
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. (GA)

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, Trans Union and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.