davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (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 number : # XXXX, Account name : ARS ACCOUNT RESOLUTION, 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Consumer Telecom & Utilities Exchange, Inc. (IL)

I am A Victim Of Identity Theft I Tried Calling A Company To See What Information Is Being Reported About Me & They Refused To Release Information & Requested Me Right A Letter I Will Right This Letter Aswell As Letting The Legal Authority Know After I Already Filed Police Report I Will Also Include A Copy To The Company
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On Saturday XX/XX/year> I attempted to pay bills with my Debit card. The card Declined regardless of more than sufficient funds in the account. I called the 24 hr service holine and got told the card was locked due to an attempted charge of {$29.00} was attempted multiple times at a XXXX store. Was recommended to have the card replaced I agreed. Monday morning I called to make sure the card had been ordered. Was told yes but it was canceled due to a fraud investigation. Later that night my online banking had been disabled. Now I'm waiting for repossession of my vehicle because my funds are locked away from me.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (PA)

I applied for credit card with UPGRADE since XX/XX/2021 for {$7500.00} to buy a user car after my new car was flooded ... they hide the rate 13 % after it became 20 % but I accepted I calculated that it will cost {$8900.00} for a total 31 payments ... the monthly payment is {$280.00}. 
Normally I have 13 payment left but I realized that I didn't pass {$2600.00} neither the half... I suspect them to steal my money. I used their credit card twice but I put back that money. It's not clear they have stolen us.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from XXXX XXXX
Consumer complaint received 2018-11-21
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. (IN)

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX   that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, XXXX  & Equifax ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XX/XX/XXXX.
Consumer complaint received 2023-06-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On Tuesday XX/XX/XXXX {$5000.00} was deposited in my account in certified funds which were United States Postal Money Orders. Chase put a hold on these funds after the deposit was made therefore preventing the deposit to be returned. The bank against their own policy when it pertains to certified funds put a 7 day hold on my funds which were paid to the bank on XX/XX/XXXX. Which the United States Post Office provided me proof of! Furthermore the bank even verified the funds and refused to remove the hold causing me to have to cancel a very important trip.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I received an email from JPMorgan Chase Bank , N.A . on XX/XX/year> about their Pay Over Time program for Chase credit cardholders ( see attached email ). Because of that offer, I charged my plane fare of {$940.00} to my Chase Freedom Unlimited Visa card on XX/XX/year>. When I received my statement online on XX/XX/year> and tried to pay using the Pay Over Time plan, I was denied. Please see attached notice I received on the Chase website when I tried to avail of the Pay Over Time option. When I inquired from Chase why I was not able to avail of the Pay Over Time option, their responses were not clear to me. See attached Secure Messages ( 2 ) from Chase. If I had known that I could not use the Pay Over Time plan, I would not have charged my plane ticket to my Chase Visa card. Since I did not want to pay interest on my purchase, I was forced to pay it in full before the due date, thus upsetting my budget.
Consumer complaint received 2023-11-22
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. (IL)

I have contacted this bureau a total of five times. They were contacted on XX/XX/XXXX  twice, Once on XX/XX/, once on XX/XX/23 and finally on XX/XX/. 
Every time I called, my request was the same. I asked this bureau to remove the comments from an account. To date, the comments still remain.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,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 Number : # XXXX, Account name : XXXX  NATIONAL CREDIT, 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 2018-11-21
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. (IN)

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX  that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( Transunion, XXXX & XXXX ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XXXX.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the Experian report. XXXX credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.
Consumer complaint received 2024-04-15
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. (TN)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Consumer complaint received 2018-11-21
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: Experian Information Solutions Inc. (IN)

There is an account on my credit report that does not belong to me. I have contacted Experian and the company that is reporting the incorrect information asking for validation. Both companies have failed to validate the account. According to the FCRA an unverifiable account has to be corrected/removed within 30 days. Experian 's response to me via mail were to contact the creditor which I have done on several occasions. I sent proof to experian which included the letters sent to the creditor and the return signature postal receipt signed by someone at the company.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. 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 following erroneous information that needs to be investigated and deleted : XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Union Home Mortgage Corp (OH)

Spoke with representatives re : late pmts posted on credit report. Asked that they be removed. Impacted by Covid and according to the law, it's illegal. 

XXXX XXXX and Union Home Mortgage
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (NJ)

I have received phone messages from, caller ID reads, Possible Spam Call / Private Caller or Radius Global on Wednesday, XX/XX/2023 and XX/XX/2023, leaving messages for an XXXX XXXX to return there call. Ive called and informed a woman who answered that their company is calling my home for someone that does not live here and to stop. 
Calls continued as spam calls from this company via different channels. On Monday, XX/XX/2023 I received a letter, ( see attached ) addressed to XXXX XXXX to my address. I wrote on letter, return to sender, does not live here. I sent letter back without opening as this was not my mail, via delivery confirmation. I researched this and noted this company is a possible scam entity ( see attached ). The person XXXX XXXX does not live at my address. Im a XXXX XXXX XXXX XXXX with XXXX XXXX alerts on all my credit reports as to my job. ( see attached ). I would like the CFPB to assist in stopping this entity from continuing to harass and communicate with me. I do not know this entity nor owe anything to anyone but they continue to send mail and call my home.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Equifax reports outdated account/pay status on consumer credit reports as current. The information listed on the consumer credit report that Equifax provides is misleading, causing adverse action by potential lenders or creditors towards consumer 's who are applying for credit or loans. Specifically, the " Account Status or " Payment Status '' category listed on consumer reports appears to maintain the oldest derogatory status, despite the data furnisher providing the current status. For example, if a consumer was 60 days late making a payment 3 years ago, but is now current, Equifax may continue to report the Account/Payment Status as 60 days late, despite receiving information from the creditor that the account is current. This is separate from the payment history, which is also displayed on a credit report in a different area on the report. This is misleading for a number of reasons : 1 ) account/payment status and payment history are factors in calculating credit scores to determine creditworthiness ; with payment history carrying the most weight ( approx 35 % ). However FICO combines BOTH into payment history when calculating credit scores. 2 ) Account/Pay status and payment history are NOT the same on a credit report and are clearly displayed separately. XXXX ) The term " status '' infers the current position of something unless otherwise indicated. Payment history infers both the current position of something AND the previous position. Using my above example, if Equifax is reporting the account/pay status of the account, one would naturally assume they are reporting the CURRENT account/pay status ; not the status from 3 years ago. XXXX ) Equifax has the use of several alternative statuses that can be used to reflect a consumer 's account/pay status more accurately, such as " XXXXXXXX 60 days late '' or XXXX 60 days past due ''. With this information in mind, Equifax appears to purposefully and knowingly report account/pay status information that is inaccurate. This is a clear and blatant violation of the Fair Credit Reporting Act, which requires consumer credit information to be reported in a fair, timely, and accurate manner. Additionally, consumer reporting agencies are required to correct or delete information they know is inaccurate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt=out of my personal information being reported.I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RFNA, LP (SC)

Republic Finance Company in XXXX S.C.. On XX/XX/year> I applied for a loan and received it with additional add-ons for XXXX XXXX membership for {$1300.00}. Which I received back. But My disgust was it wasn't mention to me while signing my documents. When I looked back over my documents thats when I notice it. I read about The XXXX XXXX  loan company and it was the same problem I had. Just reporting them.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE is refusing to stop reporting on my two closed accounts after being charged-off. 
They closed my accounts because I submitted payment in full using negotiable instruments, which they kept and did not return to me. 
They also claimed there was unauthorized activity on my account, but would not tell me what the 'unauthorized activity '' was. 
WHEN AN ACCOUNT IS CHARGED-OFF IT BECOMES INCOME. 
I HAVE ALREADY PAID TAXES ON THOSE ACCOUNTS AND CAPITAL ONE KEEPS REPORTING THEM AS LATE ON MY CREDIT REPORT. 
THIS IS CAUSING ME A LOT OF HARM AND INABILITY TO OBTAIN CREDIT AT ALL. 
CAPITAL ONE IS VIOLATING THE PRIVACY ACT OF 1974, 5 USC 552 ( a ) BY REPORTING MY INCOME ON MY CREDIT REPORT. 
I HAVE NOT GIVEN THEM MY WRITTEN CONSENT TO DISCLOSE SUCH INFORMATION. 
I WANT THE INFORMATION ABOUT MY TWO ACCOUNTS : XXXX and XXXX REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-04-15
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. (MD)

I submitted letters to TransUnion, XXXX, and XXXX ( XX/XX/2024 ) asking them to verify the accounts that I listed belonged to me. I have yet to receive a response. They are not complying with their policies by responding within the required timeframe. I have been a victim of identity theft and I am exhausted trying to repair the damage that has been done. I am tired of being denied credit. Please help me.