davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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 (FL)

On XXXX XXXX at XXXX, 5 fraudulent charges were charged to my credit card. Immediately, Capital One sent me an email asking " do you recognize this purchase? ". I replied " No, Somethings wrong '' as I did not make this purchase and I have never heard of the vendor before ( XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX, Capital One opened the case to investigate fraud ( case # XXXX ) .The next day, XX/XX/XXXX, I received a letter in the mail stating there was insufficient evidence to prove it was fraudulent, therefore, the charges were put back on my credit card. We called Capital One 's fraud department and they said they would not re-open the case again unless a police report was filed. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sheriffs office opened a case ( # XXXX ) but was unable to create a police report without the following information : merchant ID, address, square ID number, location, city, time of each transaction, square device number. On XX/XX/XXXX, once again called Capital One requesting this information, only to receive a fraction of it. Capital One has no merchant address as well as no phone number. I have done my research and am unable to even find a company with said name ( XXXX XXXX XXXX ).
Consumer complaint received 2018-08-16
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)

We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Consumer complaint received 2024-04-11
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. (IL)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.
Consumer complaint received 2018-08-17
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. (AL)

XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX  has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
Consumer complaint received 2024-04-11
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 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 2024-04-11
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX U

pdate this account quickly. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. Thanks.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

SANTANDER CONSUMER USA - XX/XX/XXXX - {$350.00} XXXX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Real Time Group, Inc. (CA)

Account name REAL TIME RESOLUTIONS IN Account number XXXX Recent balance {$3000.00} as of XX/XX/2018- has been harassing with false statements and threats. This account is in violation of F.C.R.A. nad real time solutions has violated F.D.C.P.A. on several counts. please stop this illegal operation
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (AL)

I have had a payday loan with Security Finance for last year NEVER LATE NEVER missed a payment, due 3rd each month. I have social security solo income. I had a large household unexpected issue come up before first I called Security Finance, told them unable to make payment this month get with them XXXX. They have called 3 times since asking if could get payment ( {$100.00} ) and almost demanding, saying company policy I drive in to discuss. I told them I notified and have 4 times now and nothing changes for me to " go in discuss!! Nothing different if I go in!! They are bullying and it is no way to do legitimate business!! They should NOT have right to BULLY people!! 

They are absolutely hateful!
Consumer complaint received 2024-04-11
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 XXXX Account XXXX Account Name : XXXX Account 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 2024-04-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reached out to Transunion on XX/XX/year> to dispute this XXXX Account # : XXXX on my credit report that is being reported inaccurately. On XX/XX/year>, Transunion completed their investigation and shared that the account is being reported accurately and they updated the companies address. I would like to know what did they do to proof that this account is being reported accurately. The last time they had an update on this account was in XX/XX/year>, they are standing by that they did an accurate investigation. The have validated my consumer rights, I trusted them to do appropriate investigation on this account and they didn't. I want to know what kind of investigation gets completed three days. Since they made the choice to not do a proper investigation, they left me know choice to exercise my consumer rights. I have consulted with a consumer rights attorney, who informed me the I have a case to sue Transunion for their inaccurately reporting of this account and take them to court. Transunion delete this account immediately from my credit report. 

I have attached the results of their investigation on my dispute to this complaint
Consumer complaint received 2024-04-11
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. (OR)

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, XXXX, and Equifax.
Consumer complaint received 2023-12-23
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 (MA)

I purchased event tickets for a specific date, XX/XX/XXXX, which is a Wednesday. In reviewing the tickets it correctly shows XX/XX/XXXX but it can only be used on used on the weekend and holidays. I reached out to the company, XXXX, to have the ticket amended. They refused and said there are no refunds. This was a error with their system. I disputed the charge with Capital One who requested more information from me after they received a reply from the vendor. Information provided from vendor shows information from someone else and for a different activity. Capital One closed dispute and asked me to work with vendor. 

Vocher.pdf file shows ticket only good for fri, sat, sun or holidays, but only valid for XX/XX/XXXX making it useless Dispute Update XXXX file shows on page 6, the same information as the useless voucher. And page 7 shows information for a different customer and different activity
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OH)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2024-04-11
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. (NV)

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.