davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I disputed accounts with Equifax on XX/XX/XXXX and it costed over {$80.00} to send these letters. I found info that was really alarming to me on these accounts : Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX : XXXX Equifax responded that these accounts were verified so I mailed in another letter on XX/XX/XXXX asking them their methods of verification and stating these accounts be removed and I have not gotten a response back or any acknowledgement to my letter that was mailed. 

Equifax has been violating my rights by not reporting accurate information on my credit file and they are avoiding doing the right thing and getting these errors removed. According to USC 1681, credit agencies must report information in regards to any consumers accurately and this not the case here.
Consumer complaint received 2023-09-12
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

The company arbitrarily canceled my card. They first claimed there was fraud, but when I verified that it was not a fraudulent charge, but was a legitimate recurring monthly charge. They said they had to cancel the card anyway, which will cost me most of my day going through the 40 different companies where I have automatic payment set up. I asked them if they would cover my time, since it was completely unnecessary they said they were unable to do that.
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (VA)

I sent a letter  to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they  cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Via XXXX, my bank account has been debited by {$50.00} per month for approximately 34 months. I was able to ascertain that XXXX has been charging for an organization called XXXX XXXX, which is a political organization focused on defeating XXXX XXXX of Kentucky. I have written to the email address provided by XXXX which is XXXX to contest the debits and have received no response from XXXX. 
There is no other contact information for XXXX XXXX, but their executive director is named XXXX XXXX. They are registered as a political fund with implications/supervision under the FEC. XXXX says they can only refund {$150.00} of the unauthorized charges but they are not providing further contact information from the organization they say the funds are being sent to. 

XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (WA)

Consumer Portfolio Services is a company that has called me and our family members about a debt owed by my XXXX. I filed a report with you previously. The complaint number is XXXX. The phone number for Consumer Portfolio Services is XXXX. Today, XX/XX/2023, another family member received a call from this company looking for our son. 

In the response to the first complaint I submitted, the company replied, " Consumer Portfolio Services , Inc. ( CPS ) has reviewed the complaint and account. CPS apologizes for any frustration you may have experienced. CPS has placed a Cease and Desist on all third-party phone calls. '' It seems the " Cease and Desist on all third-party phone calls '' is not being followed. Like I said in my first complaint, this has been going on for a couple of years. We have asked them to stop calling us. Consumer Portfolio Services has the correct contact information for our XXXX. They also disclosed to me ( XXXX  ) what the debt was for ( a vehicle ). I have also told them to stop calling the family members. Like I said, they have our XXXX  's correct contact information. I verified it with them.
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc. (IL)

This group of scammers ( claiming to be from LendingTree ) reached out in the afternoon claiming that I was already approved and guaranteed for a {$2000.00} loan, but that due to my poor credit score I needed to send them back the money they would send me first. They had me electronically sign and send back a PDF document agreement of their process via email, then they used my XXXX XXXX account information and credentials to file claims to rack up {$2200.00} in payment reversals. They then asked me to send them that {$2200.00} via XXXX XXXX, after which I would be on a brief waiting list to receive the {$2000.00} loan in my bank account before the end of the day. These scammers have my SSN, my drivers license number, and even my signature.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

FORMER Authorized user XXXX XXXX  Still able to use this card. XXXX XXXX transaction is not mine from XXXX. 

what XXXX XXXX XXXXXXXX  is going on?!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (TN)

Avant # XXXX has failed to show proof that this account is mines. I XXXX XXXX XXXX XXXX never authorized or opened a account with Avant. This is a Violation of 15 U.S. 1692 e false or misleading representations. Under 15 U.S. 1681b permissible of consumer reports I never disclosed to give Avant permission to report to the credit Bureaus for this account is damaging my credit worthiness.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

i bought a laptop to dell using dell credit card. i bought it online. i returned the item due defective item issues. I received a mail to make a payment from Comenidy back which is the financial company that dell use it. Dell thorough XXXX sent me a confirmation that the laptop was received, including the credit back to my account. I made several courtesy calls to both Dell and comenidy bank. Both companies told me that i should talk to the other party when i call them. Comenidy told me that they still not receive from Dell the conformation that i got credit back to my account when i returned the laptop.

i still receiving mails of payment and now my credit score is going down because i am not paying the mails. 

The last call I made was to XXXX that is in the XXXX  file.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IA)

I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original Creditor, XXXX XXXX XXXX, EQUIFAX are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.
Consumer complaint received 2023-09-15
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (SC)

Someone tried to obtain a chase credit card under my social security number. They attempted to obtain this credit card 3 different times. Chase bank did denied the application. They sent me a letter telling me someone was using my information fraudulently. 
The dates they tried to obtain credit was XXXXXX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-09-12
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. (AZ)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-31
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE FINANCIAL CORPORATION and its affiliate CAPITAL ONE BANK, N.A. deliberately and intentionally closed my credit card account and refuses to act in honor and good faith. According to CAPITAL ONE FINANCIAL CORPORATION 's 10-K report for the fiscal  year ended XX/XX/XXXXXXXX  filed with the Securities and Exchange Commission ( SEC ) , page 132, CAPITAL ONE FINANCIAL CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Securitizations of Loans it conspicuously states : " Our loan securitization activities primarily involve the securitization of credit card and auto loans, which provides a source of funding for us. See Note 5Variable Interest Entities and Securitizations for additional details. Loan securitization involves the transfer of a pool of loan receivables from our portfolio to a trust. The trust then sells undivided interests in the pool of loan receivables to third-party investors through the issuance of debt securities and transfers the proceeds from the debt issuance to us as consideration for the loan receivables transferred. The debt securities are collateralized by the loan receivables transferred from our portfolio. We remove loans from our consolidated balance sheets if securitizations qualify as sales to unconsolidated VIEs, recognize assets retained and liabilities assumed at fair value and record a gain or loss on the transferred loans. Alternatively, if the transfer does not qualify as a sale but instead is considered a secured borrowing, the assets will remain on our consolidated balance sheets with an offsetting liability recognized for the amount of proceeds received. '' This confirms a trust was created, to which I am the beneficiary of, and that the application, also known as commercial/chattel paper, was used to create and establish an account with CAPITAL ONE BANK, N.A. ( deposit accounts receivable ) which CAPITAL ONE BANK, N.A. converted into a security which and sold, exchanged, pooled, traded, transferred, invested and reinvested to which as an investor and beneficiary, was absolutely no benefit to me. This is a breach of trust, a breach of CAPITAL ONE BANK, N.A. 's fiduciary duty, breach of contract and a violation of the Sarbanes Oxley Act of 2002. Regardless of CAPITAL ONE BANK, N.A.s reason ( s ) for closing the account, I have the right to credit. Withholding my access to my securities is securities fraud. CAPITAL ONE BANK, N.A. is unjustly enriching themselves at my expense. I demand equitable compensation immediately. This is a violation of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement within thirty ( 30 ) days, I will have no other option than to pursue legal action against CAPITAL ONE FINANCIAL CORPORATION, CAPITAL ONE BANK, N.A. and their affiliates for acting in dishonor, bad faith and with unclean hands.