davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-11
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: CITIBANK, N.A. (WI)

In XXXX I received a bill from my credit card company Shop Your Way ( XXXX ). On it was a charge for {$480.00} from a company called XXXX XXXX XXXX I IMMEDIATELY called Shop Your Way and stated I never made a transaction from them. Two wks later I called back. Was told charge was dropped and was issued a new card. I also asked verification which wasn't received. I used my new card which they sent plus paid off the majority of my due amount. With the next statement on my " new card '' the charge I didn't make was still on my account. I called the fraud unit back and asked for the phone number of that company XXXX XXXX. I tried several times and couldn't get ahold of them nor have received any correspondence from them or SHOP YOUR WAY. I told them to block my new credit card until I got some answers from them. Week past I called back and was told they closed my account. Now today I received a pin letter from them saying I was liable for the charge and if I didn't make payment they would contact the credit bureau. 
I HAVE NEVER EVER NOT MAKE A PAYMENT INFACT I HAVE PAID AHEAD. I called them back today and the fraud unit said they will reopen case when I asked her what did they find out. No given answer. I asked for her operator no which she couldn't give but was given this case number CASE # XXXX I am still wonder how that company got my new credit card or was it just SHOP YOUR WAY. To totally close my account after being a good customer is beyond me.
Consumer complaint received 2023-08-29
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. (NV)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc (NY)

XXXX called on XX/XX/2024 at XXXX, asking for XXXX XXXX XXXX me ). Spoofed as my current bank asking for last XXXX SSN. They had my information. They have been calling my house phone nonstop asking for me. Picked up today, spoofed as my bank and afraid they stole my identity.
Consumer complaint received 2023-08-29
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. (OH)

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. 

XXXX Bank : # XXXX, XXXX : # XXXX, 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 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filing this complaint to CAPITAL ONE. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-11-10
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)

XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.
Consumer complaint received 2023-08-29
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. (VA)

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my XXXX file with the XXXX CRA ( XXXX, XXXX, Experian ) in regards to late payments that they are continuing to report false and inaccurate. Each time all XXXX CRA ( XXXX, XXXX, Experian ) has responded that the information I have disputed was " verified '' as accurate but each time all XXXX CRA ( XXXX, XXXX, Experian ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made two payments to mechanics auto finance within 2 hours and asked Capitol One to stop one of them. The payment XXXX for XXXX. They could not stop it, they instructed me to ask to merchant to send it back. I DID call the merchant. They can not return. Then Cap 1 asked me to dispute transaction. I said I dispute your process. I want my money back. I still have money but my car payment is good for 2 months. Help
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to XXXX XXXX XXXX XXXX, they have a parasite company called XXXX XXXX XXXX who state sending you bills. I have about 5 coming in. My ex-employer through Discrimination forced me out of my job. My father and XXXX was giving me money to pay my bills. So I can go to the bank and show the checks where I was paying what I could to them. I was paying {$20.00}, {$5.00}, {$3.00}, what I could. They decided to take the time of service off the bills and put current dates on it and stop sending my bills and immediately sent them to collections while I was paying on them. They are zombie dates from as for back as XXXX  and I have asked for date of service, they will not provide it. The statue of Limitation in Texas is 4 years and these are well over 4 years but by fraud they have put a current date on. I can not afford a lawyer because I can show I was paying what I could didnt miss a payment and they sent it to collections. 
I have contacted the XXXX XXXX attorney about this XXXX XXXX XXXX and the illegal billing needed to be investigated and they wont do anything. 
The other example of fraud is LVN, I have contacted the Credit bureau that this is a 10 year old zombie, I havent had an account with Walmart in 10 years that they took the dates off all the documents that they can go to Walmart and see date of service I havent had this account since XXXX  but they put current dates on it trying to collect a zombie debt and its 10 years old. Statute of limitations is 4 years here in Texas. I want to file a lawsuit as I am a XXXX woman, who is being harassed because I have notified these creditors and the Credit Bureaus about their fraud and scams and I will have to get a lawyer because they are still harassing me. Ive told them to cease and desist. The Court doesnt cater to frivolous lawsuits over zombie debt that is over 10 years old and the statue of limitation in Texas is 4 years. I will go to court with them.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  Account # : XXXX Balance : {$170.00} Payment Status : Collection/Chargeoff XXXX Account # : XXXX Balance : {$120.00} Payment Status : Collection/Chargeoff XXXX  XXXX Account # : XXXX Balance : {$530.00} Payment Status : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX Balance : {$220.00} Payment Status : Collection/Chargeoff XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1100.00} Payment Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account # : XXXX Balance : {$170.00} Payment Status : Collection/Chargeoff XXXX Account # : XXXX Balance : {$120.00} Payment Status : Collection/Chargeoff XXXX XXXXXXXX Account # : XXXX Balance : {$530.00} Payment Status : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Balance : {$220.00} Payment Status : Collection/Chargeoff XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1100.00} Payment Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX, Used XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC. (FL)

This is a continuation of Complaint ID XXXX. Although the company responded and it appeared that my issue would be resolved, I have continued to receive bills for services that I already paid for. Long story short, I paid my required co-pay for XXXX separate visits to my child 's XXXX  but the payments were not applied to my account. As such, I have received a bill for each visit every month for the last 7 months and counting. I have provided the company with proof of my payments twice now and they still refuse to apply the payments to my account and continue harassing me for payment. Attached are the receipts of my payments as well as my credit card statements showing the payments I made that were not applied to my account.
Consumer complaint received 2023-08-29
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. (OR)

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 the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 suppose to modify accounts that isn't reporting correctly. 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. 

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I deposited my cashed paycheck into the ATM at Bank of America and it said there was an error and only deposited {$300.00} of my deposit. Bank of America started an investigation which they stated may take 30-34 days to complete, meanwhile my account has a negative balance because I havent been paid in 19 days and they wont give me my money back, wont close my account and I have no way to eat or feed my dogs or pay my bills and they just keep telling me theres nothing they can you do to help me.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have been making extra payments toward my auto loan. Towards {$300.00} extra a month, which is double my payment amount. I am realizing that the additional payment is not being applied totally toward principal. Aside from the fact that the assumption should be made that my efforts are precisely to pay off my loan quickest and extra should be applied toward principal, I am told today that I have to mail a check or walk into a bank in order to do this. XXXX
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


XXXX XXXX XXXX : XXXX. XXXX, 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Over the past two years, I have been unable to access my credit report, file disputes, freeze and unfreeze my credit on the Transunion website. For over two years I have been calling and writing and every time I call the customer service representative states that they will escalate the situation and someone will call me back within 72 hours, for the past two years no one ever called me back and the error has not been fixed. Transunion is intentionally making it difficult for me to view and access my credit report, file disputes, and add and remove a security freeze. I can log in but I cant access anything, Transunion is refusing to fix the issues or address the problem. On XX/XX/XXXX, I was unable to unfreeze my credit to apply for something and Transunion requested that I mail them a copy of my ID and Social Security card which I did, and in that letter, I stated that am unable to view my credit, file disputes, or unfreeze my credit report in that letter and still nothing has been done, no calls no letters. It appears that Transunion is willfully ignoring and intentionally not wanting to resolve the issue.
Consumer complaint received 2023-08-29
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. (OR)

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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXXXXXX 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 suppose to modify accounts that isn't reporting correctly. 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.

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.