davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ). 

SEE ATTACHED LETTERS, PLEASE.
Consumer complaint received 2024-06-12
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)

XXXX XXXX XXXX Account Number-XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (MA)

- Our son purchased a {$50.00} gift card for us as a Christmas Gift. ( XX/XX/XXXX ) - The first time we activated it was on XX/XX/XXXX. 

- Immediately upon activation, 7 very similar charges popped up, all for just a few dollars, and all within a few cents of each other. ( {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00}, {$3.00} ) We immediately called customer service to report this, but we were told that they could not officially put in a dispute until 1 month later ( end of cycle?? ). 

- On XX/XX/XXXX, we again called, and an " official '' dispute was entered. 

Also at this time, our account STILL read these charges as PENDING, which seems to indicate that they had not yet been processed ( much like a credit card ). 

- Our card was frozen pending the investigation. 

- We repeatedly called, and got no results until XX/XX/XXXX, of which was a generic letter stating that based on the evidence provided, they could not approve the dispute. The letter had NO phone number to make inquiries. It only stated to email their disputes department for any questions. 

- We called the general customer service number and was told to wait for the new card to be mailed to us, and that it would be for the full {$50.00} amount. 

- The card arrived with only a {$23.00} balance. 

- We emailed the disputes department on XX/XX/XXXX & XX/XX/XXXX, but have received NO response.
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-11-08
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: SYNCHRONY FINANCIAL (IA)

The credit card company, Care Credit, portrays a helpful way to work with consumers for medical procedures. While they offer 0 % interest on a medical bill loan, they are when the account is charged it changes the terms of the agreement. We went from having a {$2800.00}, and paying on that loan, to somehow getting an over the limit amount of {$4900.00}. While we have been paying on the loan we have never received any paper statement letting us know of the current status until XX/XX/2023 ( almost 4 years after the medical bill ). In that time they have added the calculated internet from the point of sale instead of the 0 % timeframe. What we have received is text messages that look to entice us into charging more to the card, sending promises of statement credits when large purchases are made, XXXX XXXX {$5000.00} or {$500.00} weekly winners. They are using gambling techniques to spend in order to gain more entries. 
We have never been sent statements about the changes to their interest rates. These practices should be seen as beyond legal.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX 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 2024-08-11
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. (AL)

XXXX XXXX is showing closed on my credit report for XXXX, XXXX, and Equifax. 
XXXX is showing closed on my credit report on XXXX only. 

According to 15 USC 1681 ( b ), I have not provided XXXX, XXXX, or Equifax with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided XXXX with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are XXXX XXXX XXXX accounts inaccurately reporting on my credit report. I have sent multiple letters showing the inaccuracies along with my permissable purpose letter of the abuse that the credit agencies are committing, by harming my reputation. The following accounts need to be removed from my credit report or I will take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX # XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I rented a car from XXXXXXXX XXXX XXXX on XX/XX/2023 the total for the weekly rental was {$260.00} I gave them my card and what showed on my bank statements along with my available balance decreasing was {$460.00} which XXXX of it was the deposit so everything was correct at that point when I returned the vehicle my new balance due to budget was XXXX which is correct because I kept the car for an additional day well later on that evening the transaction all of a sudden vanished which my balance did not increase or change so I immediately called the bank and brought it to their attention they told me the merchant was processing the transaction and that the transaction would reappear on my transaction list which it did but when it reappeared they charge me again {$330.00} putting my account negative {$420.00} this is not right and the bank is trying to make me believe that the XXXX never left my account and that I ended up spending it which is how holds from car rental companies work all the time totally incorrect and I'm not falling for it.
Consumer complaint received 2023-09-22
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Account 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 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 2023-09-02
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have an account with Crypto Currency Exchange named - XXXX. In order to make a purchase I need to deposit money to the website using my BANK ACCOUNT. However, when I try to add my bank account to XXXX, it generated an error message saying that my bank does not authorise me to make any debits. Attached is the screenshot for the same.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MA)

My Citi minimum payment has been in the {$100.00} to {$150.00} range per month. I currently have a high balance on card so i have been making minimum payments. For the period of XXXX I made a payment of {$150.00} as I have been doing for many months, only to find that Citi had unilaterally increase my minimum payment due to over {$1200.00} ( about 50 % of my balance due. At no point did they communicate this increase or an explanation to me, not through mail, not through phone calls or messages, not even an alert on their website. I have requested a justification for this as well as a humble request to reduce my monthly payment as i can not currently afford over a XXXX dollars in minimum monthly payments. Thus far I have received no explanation from Citi, no assistance in reducing my monthly premium, and no attempt to respond to my good faith attempts to resolve this. At this point, Citi is charging me late fees for not paying my " minimums '' ( again, near50 % of my total card balance ) and are now threatening to report me as delinquent to Credit bureaus despite my multiple good faith attempts to contact them to indicate that is is not an unwillingness to pay my debt, but rather that I can not make that exorbitant and inflated minimum payment at this time. They have treated me with nothing but contempt.
Consumer complaint received 2024-07-24
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-02
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. (GA)

I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Consumer complaint received 2023-12-03
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. (NJ)

I hope this letter finds you well. I am writing to address a matter of concern regarding the reporting of late payments on my credit report. After a thorough review of my financial records, it has come to my attention that there are inaccuracies in the information you have reported. 

I kindly request that you promptly investigate and remove these late payments from my credit report. I believe that correcting this discrepancy is crucial to maintaining the accuracy of my credit history. I have made multiple attempts to resolve this matter with your organization, but regrettably, no satisfactory resolution has been provided. 

Furthermore, I would like to bring to your attention the arbitration provision outlined in the loan agreement. As a consumer, I am fully aware of my rights under this provision. In the event that the reported late payments are not rectified within a reasonable timeframe, I am prepared to exercise my right to initiate arbitration proceedings. 

Please be advised that pursuing arbitration would not only incur significant costs for XXXX , including attorney fees, an initiation fee, a case management fee, and an arbitration fee, but may also result in additional fees throughout the arbitration process. It is my sincere hope that we can resolve this matter amicably and avoid the unnecessary expenditure of resources. 

I believe that cooperation in this matter is in the best interest of both parties. I kindly request that you acknowledge receipt of this letter and provide a timeline for the resolution of the aforementioned issue. Your prompt attention to this matter is greatly appreciated. 

The arbitration necessitates that both parties share the associated costs. While I understand that this will result in financial burden for both of us, it is essential to recognize that the fees involved in arbitration can be significant. I anticipate that XXXX XXXX XXXX will incur thousands of dollars in attorneys fees, an initiation fee is {$360.00} or more a case management fee of {$1400.00} an an arbitration deposit fee of {$1500.00} among other costs. Given the substantial financial implications, it is in the best interest of Experian to take immediate actions to resolve this matter I remain open to an amicable resolution and kindly request that you promptly investigate and rectify the late payment issue on my personal loan account. I trust that a fair resolution can be reached to the satisfaction of both parties. 

Please consider this letter as my final attempt to address this matter outside of arbitration. If I do not receive satisfactory response within [ reasonable time frame, e.g., 15 business days ] Thank you for your understanding and cooperation. 

Sincerely, [ 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. (MS)

I am writing to dispute the accuracy and legality of the information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have not provided written consent for your agency to furnish my information to third parties or obtain my consumer information. 

Upon reviewing my credit report, I discovered that your agency has included information without my explicit consent. As per the FCRA, it is imperative that consumer reporting agencies obtain written consent from individuals before furnishing their information to third parties. I have not provided such consent, and therefore, the inclusion of this information in my credit report is in violation of my rights under the FCRA. 

I demand that your agency promptly investigate this matter and remove any information that was reported without my written consent. Additionally, I request that you provide me with documentation demonstrating that you obtained written consent from me to furnish my information to third parties, as required by law. 

Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have taken appropriate action within XXXX days of receipt of this letter. 

Thank you for your cooperation in resolving this dispute.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own XXXX Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these accounts.