davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

I am a victim of card fraud, I have filed the case ( XXXX XXXX XXXXXXXX ) since XX/XX/2024 its passed the required 90 days I have submitted the required documents to XXXX XXXX XXXX XXXX XXXX XXXXXXXX the required documents are front and back of ID, receipt, utility bill and colored ID, yet they keep requesting every now and then. Each time I submit it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I get confirmation Requested documents are attached to this case I want my card send via XXXX and I want the mailing tracking number provided, this case has passed 90 days
Consumer complaint received 2023-11-03
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In reference to an account of XXXX XXXX XXXX XXXX  - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXXXXXX XXXX I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Consumer complaint received 2024-04-18
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. (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
Equifax and XXXX and XXXX are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states, Except as authorized under subsection b 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 ante dates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) A states '' 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.15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. Equifax and XXXX, XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.
Consumer complaint received 2024-02-18
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: BARCLAYS BANK DELAWARE (FL)

Barclays cant process a dispute claim. Ive spent an hour on the phone with them on same company repeatedly charging my card. I have four case numbers. Then they keep telling me claim is denied because I didnt send requested info.

When I get letter asking me to send documentation I call them again. Theres literally nothing I have that can be sent. It wasnt authorized. I have no receipts.

Theres nothing that can be provided to prove something shouldnt be happening.

Of course Ive informed them of that. They admit they made a mistake in the processing and apologize but state I need to send a letter to reopen the RegE claim.

In sum, Barclays can not process a claim. Makes it way to difficult. Denies the claim when consumer doesnt send documentation. Requires a letter to then reopen the claim.
Consumer complaint received 2024-02-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Mitigation Services, LLC (UT)

I have a payment arrangement with this company. I have made all of my payments since the arrangement started in XXXX of XXXX. 

In that time, however, I have had to call to schedule payments etc. at times because I have several arrangements, and sometimes my cash flow warrants making changes, especially at the beginning of the month when rent is due. 

On XX/XX/XXXX, I called the company and asked about making a reduced payment, and the company obliged to restructuring my plan to {$74.00} a month. I was told at this time, that this would be the last time I could modify a payment ( which I think is wrong as well ) whether I could afford it or not. 

So today, XX/XX/XXXX, was my next payment due. After rent, insurance, groceries etc. I didn't have the funds to pay it. I didn't call ahead of time to ask to reschedule, because based on the comments from XXXX weeks ago, it would not be honored. 

Of course today 's payment was going to be unsuccessful ; the company sent me a text at XXXX this morning advising of this and requesting I make a payment. I also received an email. They also called my sister ( which I feel is unprofessional and unnecessary ), even before giving me a chance to respond ; and it is because of this tactic that I am filing this complaint.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXX-discharged Reference # XXXX XX/XX/year>
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

i booked a hotel through my credit card 's travel agent, AmexTravel. during the booking ( but before paying ) the website clearly stated " Free 24 hour cancellation : for a full refund, you can cancel ... within 24 hours of booking. '' there were no caveats to this statement and no asterisks ( see the picture ) suggesting that the hotel was non-refundable after booking, i requested to cancel it as i wanted to change the dates. i called the agent within 24 hours and was on the phone for over an hour. they stated that it was non-refundable but that they would call the hotel to negotiate a refund. towards the end of the hour long phone call, they said the hotel was unreachable but they would continue trying XXXX days later they called me and said still no answer. they then urged me to cancel the reservation, saying they would continue to seek a refund. i asked what if you don't get a refund then im down - {$1000.00}, and the agent said not to worry that they would continue to call. their phone calls are recorded- this call took place on XXXX XXXX XXXX XXXX XXXX later they emailed me to say that the hotel was still not answering their calls or emails. i called the hotel myself and immediately got an answer. the hotel XXXX said no one had called or emailed about the reservation, but that the reservation had been cancelled. i asked for contact details and passed these on to AmexTravel. they still claim that the hotel is not answering them overall i have been misled by the " Free cancellation for a full refund '' statement
Consumer complaint received 2023-09-23
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2024-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I login my Capital One account and earlier like XXXX XXXX my Platinum balance was XXXX.But i login yesterday XXXX XXXX it showed Unauthorized Changes of {$69.00} from XXXX XXXX XXXXBut this was Not Authorized by me.CFPB issue me complaint # XXXX on XXXX it was resolved i thought, say i owed when i didn't.XXXX XXXX XXXX i paid them $ XXXX XXXX XXXX it came out of my check account, for different New policy # .I tried getting hold od capital one but they kept saying internet service not working??? I want my full refunded back to my account, it took my XXXX limit over to XXXX, now may get overdraft fees too.
Consumer complaint received 2023-11-28
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-05
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 (GA)

Credit company closed my account for fraud. I talked to them and informed them i selected wrong card for particular purchase and it was a mistake. They would not listen. I tried to explain i had this card for years and it was closed. They also closed my husbands cards because i was a authorized user on one of them. This is not fair to him because he didnt do anything wrong.
Consumer complaint received 2024-04-18
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. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-18
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. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (NY)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-18
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. (MO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-11-03
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)

XXXX has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.