davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted all information regarding collection accounts and inquired as to why this is now a charge-off. Additionally, fraudulent collections through XXXX XXXX, which I have never used, and XXXX again, never used. This has negatively affected my credit and now have been denied access to my credit.
Consumer complaint received 2022-11-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Credit Karma (IL)

I was sent an unsolicited card from credit karma. I called multiple times and have emailed multiple times. I want to know 1 ) if they sent me an unsolicited credit card and 2 ) if not, what information was required to open the account, when it was opened and what method was used to open it ( call, online app, etc ). They continue to request my social security number in order to offer me answers. I feel they should provide me with the non-identifying information I have requested about the account the opened under my name. They will not respond to any questions.
Consumer complaint received 2023-07-10
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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: BARCLAYS BANK DELAWARE (GA)

I paid for an event, XXXX XXXX XXXX, in XXXX XXXX and I used different payment methods to pay for the event, which was roughly {$5500.00}! The event was cancelled due to negligence on behalf of XXXX XXXX  and we were informed the day before the event! XXXX XXXX gave us the option to either transfer our package that we paid for to a different event and they would credit us or receive a refund! They provided us with a form that allowed us to select our bank or their company to apply the refund to our accounts! I chose my banks that I used and I did receive credit from my XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX! My Barclays card gave me temporary credit for the charges, but came back later and reapplied the charges to my account! I tried numerous times and provided the evidence that these charges should have been reversed and the merchant gave permission to reverse these charges, but later came back and fraudulently sent information that wasnt signed by me saying I authorized a No refund policy! I never signed a No refund policy and I never received any credit from the merchant! Im requesting that the remaining {$2400.00} be refunded back to my Barclays card!
Consumer complaint received 2024-04-08
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-08-07
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: PENTAGON FEDERAL CREDIT UNION (MS)

There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Consumer complaint received 2023-09-07
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. (CA)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-10-24
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. (CA)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to 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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  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.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

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 , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX XXXX Late Payment {$2200.00} XXXX XXXX Late Payment {$510.00} XXXX XXXX Late Payment {$1700.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$6200.00} XXXX XXXXXXXX Late Payment {$810.00} XXXX XXXX XXXXXXXX Charge-off {$320.00} XXXX XXXX XXXX Charge-off {$1700.00} XXXX XXXXXXXX Charge-off {$0.00}
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-10-24
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. (CA)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to 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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX 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.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

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 , FTC and my Attorney General.

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit card or prepaid 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 (FL)

I made a hotel reservations for {$400.00} for two nights and paid in full. However, after the purchase and right before I was due to check in and get " check in instructions '' the company tried to get another {$75.00} ( security fee ). This fee was never disclosed when making a purchase ( do not confuse this with a security deposit, which is very common. This was an additional fee ). I canceled immediately because I did not agree to this. I disputed this with Capital One. I even provided all the documentation to prove my iron clad case. Needless to say, Capital One dropped the ball and claims I did not send in documents by the XX/XX/XXXX XXXX EST deadline. However, I have tracking that proves they got it on XX/XX/XXXX at XXXX. ( USPS Tracking # XXXX XXXX. After spending a few hours talking to non-helpful employees and a so called " supervisor '', they ended the call. Someone dropped the ball at Capital One and regardless of how much documentation they have refused to help or even provide a manager 's contact info for further escalation/resolution. I know without a doubt this would have been reversed due to all the documentation I had from time of purchase. It was just denied because of their " internal policies and the processes they have ''. 

This can not be legal or allowed. I will give you a perfect analogy as to what took place. Let 's say you agree to buy a football for {$1.00} and we agree to meet downtown somewhere on Friday afternoon. But I'm supposed to email you instructions of where I'll be. Well, no email is sent and you end up calling me and I tell you, I'll give you instructions after you pay {$5.00} for a secuirty fee. What would your response be? You would cancel the transactions correct? Well, too bad, I have a no cancellation policy and capital one just ruled against you, even though you provided documents that proved you paid for everything and that {$5.00} secuirty fee was never disclosed.

Get the point? Thanks.
Consumer complaint received 2018-05-14
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. (NY)

I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, XXXX AND TRANSUNION ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I OBTAINED PROOF THAT EQUIFAX WAS INCORRECTLY REPORTING THE COLLECTION REPORT FOR BUREAU OF ACCOUNTS CONTROL. THEY HAVE THE BALANCE LISTED AS {$780.00}. I SHOWED PROOF THAT THE BILL WAS NEVER {$780.00}, IT WAS {$600.00} AND THEN I SHOWED PROOF THAT I MADE TWO PAYMENTS IN THE AMOUNT OF {$100.00} EACH BRINGING THE BALANCE DOWN TO {$400.00}. BY FEDERAL LAW A MEDICAL COLLECTION UNDER THE AMOUNT OF {$500.00} CAN NOT BE REPORTED TO THE CREDIT BUREAUS AND MUST BE REMOVED FROM THE CREDIT REPORTED. I HAVE SUBMITTED THE DOCUMENTS AND DISPUTED THIS INFORMATION ATLEAST 5 TIMES IN THE LAST 3 WEEKS. IVE SPOKEN TO REPS OVER THE PHONE WHO REVIEWED THE DOCUMENTS AND SEE THE MISINFORMATION BUT REFUSE TO TAKE THE ACCOUNT OFF. I HAVE REPORTED THIS TO THE BBB AND WILL RETAIN A LAWYER AS THIS IS A VIOLATION OF THE LAW. THIS NEEDS TO BE REMOVED ASAP! I ALSO SHOWED PROOF THAT XXXX AND XXXX HAVE REMOVED THIS ACCOUNT AS IT DOES NOT QUALIFY TO BE ON MY REPORT!
Consumer complaint received 2024-04-08
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. (LA)

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.

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 2023-04-19
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: CAINE & WEINER COMPANY, INC. (TX)

Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.