davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an EMAIL from Capital One to contact them about unusual activity on my credit card. When I called them there was no unusual purchase activity since I hadn't used the card since XXXX so I asked- what was the activity? We then went through a series of questions regarding my account number date of birth last four of my SS # etc. And they asked if I changed my email and my phone number recently and I told them I did. I asked if there was a problem and they said my account has been flagged for restriction I told them, " I would have thought if you go online with your User ID and Password you should be able to change items in your Profile ''. I stated to the agent no one questioned who I was when I made the two most recent payments in the amount of {$1000.00}. And then I asked didn't my account of have security questions that only I would know, unbelievably they couldn't tell me. Which of course set my radar off. But then he stated that I should just take my driver 's license take a picture front and back and send it to them. So I asked why would I do that I didn't need to provide a driver 's license XXXX years ago to open the account, and perhaps even bigger you can't give me the security questions. Nor did you inform in advance through any communication that changing my email which you accepted but my phone number wasn't would cause my account to be Restricted. 
I asked for a Supervisor and we went round and round with the same result. I even told them I did the same with XXXX, XXXX, XXXX XXXX and XXXX  XXXX XXXX and all just required my User ID, Password to be entered online and responses to my security questions. 
So at this point my account is restricted although I continue to receive the billing statement via email today. I don't believe Capital One has the right to my drivers license especially when they couldn't confirm any of my personal data back to me. I'd appreciate if you can weigh in on this. Thank - You
Consumer complaint received 2020-05-29
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. (CA)

Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.
Consumer complaint received 2024-01-27
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. (PA)

This is a Request for the Procedures used to come to the conclusion that my dispute I submitted on XX/XX/2023 and your office verified my dispute that I received the results for on XX/XX/2023. I submitted my dispute via CFPB # XXXX on XX/XX/2023. 
The account is listed below in which I demand be deleted because it is violating my PRIVACY RIGHTS. 
" XXXX XXXX XXXX XXXX XXXX .... 

I demand this account be deleted in accordance with FCRA Section 602 which states I have a right to pri act and Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without my written instructions. The Gramm- Leach - Blilley Act Section 6801,6802 as well.

I am submitting my Request for the Procedures used to verify/ update Trade : XXXX XXXX XXXX XXXX XXXXXXXX ... ... demanding that it be deleted from my Equifax Credit Report because It is violating my privacy rights and has NOTHING to do with the reason Equifax stated was the reason for verifying this account reporting illegally on my credit report.

The reason Equifax stated was that : " THIS ACCOUNT BELONGS TO YOU '' My dispute has NOTHING to do with whether or not this account belongs to me.

I use the absurd reason for verifying as PROOF that Equifax has totally IGNORED the basis of my dispute. Equifax is acting in BAD FAITH and I am now requesting the name ( s ) of the person ( s ) you spoke with along with their telephone number ( s ) and address along with the procedures that were used that led to the conclusion that this account be verified/ updated.

I make this Request in accordance with FCRA 611 ( a ) ( 6 ) B ) ( III ) and FCRA 611 ( A ) ( 7 ) that I understand states I should receive in XXXX  Days or you will be violating FEDERAL LAW and I could also use in a COURT of Law and sue Equifax for {$1000.00} if I do not receive all the information in a timely manner ( XXXX  Days ).

I am asserting my rights based upon Equifax failure to fulfill it's reinvestigation requirements and thus is required to delete XXXX XXXX XXXX XXXX XXXX... .. due to lack of verification. 
Delete account immediately.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Society Business Services, Inc. (AZ)

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX XXXX XXXX which has my score dropped significantly. This was an item that was paid with the agreement it was to be deleted from my credit profile. Which turns out not to be the case. I would like this collection removed from my credit due to false/misleading representation in order to receive payment, which I now know was obtained under dishonest terms. Spoke to someone on XX/XX/2018 who was extremely rude and unprofessional with her help.
Consumer complaint received 2024-01-27
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. (IN)

XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law IMMEDIATELY
Consumer complaint received 2023-06-22
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I began the sale of my house in XXXX of 2022. We closed on XX/XX/2022. In XXXX, I looked at my credit report and it showed that I had a 30-day late mark on my credit report. XXXX reported my account 30 days late in XXXX of 2022. XXXX reported my account 30 days late in XXXX of 2022 and XXXX reported my account late in XXXX and XXXX of 2022. These late marks on my account are not correct. I called over five times in the last year and a half and each time the company promised to take these derogatory marks off my account and it has not been done. I currently want to buy and home and clean my credit and this company is not helping me at all. The report is showing a false narrative and I need help to make these derogatory marks come off.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WA)

In 2013 I voluntarily terminated a lease agreement for a rental apartment. 

I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty. 

The amount was never adjusted. 

The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented. 

I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (WA)

I have contacted the credit cards company about negotiating interest. I was told the company dose not negotiat at any point and will not. 

I am being charged interest while in collections with chase Bank credit card division. 

The hole point of collection is not be charged interest and pay back what you owe.
Consumer complaint received 2024-01-21
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. (CA)

I applied for business credit cards. TransUnion placed credit inquiries on my personal account. I tried contacting them via certified mail twice with all my relevant information. They replied that they couldn't verify it was me and refused to process my request to remove the inquiries from my personal credit report.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NJ)

I am a cosigner on two of my daughters XXXX XXXX Accounts XXXX and XXXX. 
On XXXX at XXXX XXXX I received a call from XXXX XXXX regarding my daughters accounts and that she was applying for a new repayment plan. The call was to determine if I could make her payments based on my retirement income and expenses. After a long conversation and based on information I provided it was determined I could not and that my daughter would be granted a reduced payment for both accounts. 
I was also told if she made three consecutive payments there would be no reporting of late payments to the reporting agencies. All reporting would be put on hold until one of the three payments was missed. They have not been missed and the third payment will be made in the next 3 days. 
A couple of weeks later I received a notice that the account was late and would be reported. I contacted my daughter and she called XXXX and was told there would not be any reporting as long as she made the 3 consecutive payments. 
I called on XXXX at XXXX XXXX and was told not to worry there would be no reporting of the account being delinquent if the payments were made as agreed. 
I called again on XXXX at XXXX XXXX  and again was told the same thing. 
I received a notice from XXXX on XXXX informing me that the account ending in XXXX was 61 days late and my FICO score dropped XXXX points. 
I called XXXX XXXX and spoke with XXXX XXXX, ID XXXX, and she checked told me I had to send a letter to XXXX. I said I would not because this was their mistake and they had 24 hours to correct it. She agreed it was XXXX 's error. After speaking to her Supervisor she told me they were forwarding my issue to their management team for action. As of XXXX the reporting to XXXX   has not been corrected. 
They have basically destroyed my credit rating because of their error and they breached the contract they created with my daughter and myself and need to be held accountable.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I paid off my Wells Fargo account back in XX/XX/XXXX. The rep on the phone said there will be no more charges to the account. XXXX weeks ago I ran my credit because I am in the process of refinancing a home. When I ran the report I saw that my score dropped tremendously. So I did some research and found out that Wells Fargo put a 30 day and 60 day late payment on my account from the past XXXX and XXXX. They said I owed them {$22.00} in interest. How can you charge interest on a paid off account? I contacted the bank to ask about the {$22.00} and the late payments and it turns out that they've refunded the {$22.00} before I ever contacted. However after a dispute, they are not willing to remove the late payments on my credit report. At any rate, this is now affecting my refinance and my livelihood. This is a predatory move by this bank and if something isn't done about this I will be seeking an attorney as they are violating my consumer rights as well as 15 usc 1666 b and if it doesn't get fixed I will report them to the ftc, attn general and cfpb in addition to this XXXX reporting. 

I am sekking 100 % Payment History because this is hindering my ability to obtain a mortgage.
Consumer complaint received 2023-04-24
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : XXXX 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 There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Also, for this second reason, I demand the accounts be removed from my credit reports.
Consumer complaint received 2024-03-22
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. (FL)

After examining my Consumer Reports, I discovered four instances of late payments on an account where I have always been punctual. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I've consistently made timely payments for my XXXX XXXX account, starting with XXXX XXXX I urge you to investigate this matter and furnish proof, such as statements, demonstrating the alleged late payments. If such proof can not be provided, I request that these payments be corrected to reflect their accurate, on-time status, as I have never missed a payment. Thank you.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX of XXXX  I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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