davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX  days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX  days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain. 
On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law. 
I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023
Consumer complaint received 2023-10-31
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)

XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have been made aware that you are not eliminating items, even when they are submitted with an FTC fraud report # XXXX. This marks my third complaint regarding identity theft, and I am submitting this to contest the items listed in my file following the crime, as per the bureau. The disputed items are unrelated to any transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, which stemmed from an alleged identity theft : 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 XXXXEQUIFAX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX  Balance : $ XXXX-Late Open Late date : XX/XX/XXXX ( XXXX ) -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was XXXX  at XXXX and released XX/XX/23. It takes at 2 months to even get into a DPS station for an ID. I was given a XXXX ID which is accepted by the state of Texas everywhere,, except for Capital One. This afternoon I spoke with a woman name XXXX  Employee ID # XXXX, Call Reference No XXXX who stated that this form of ID is not " acceptable. '' I can not even change my telephone number or access my bank account These people are rude, harsh and unprofessional and obviously inhumane.
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Fraudulent transaction occurred on my Kohls account form around {$250.00}. I called XX/XX/21 to report this information. The card was closed and I eventually received the credit, however it has been almost 6 weeks and I am still without a card. Every-time I call, they inform me that it has been cancelled and a replacement card has been sent. This has happened 3 pr 4 times. No one can tell my why It keeps getting cancelled or by who. It is not by me and I have informed them of this. It makes me VERY nervous to know what is happening w my information and why I can't get a card sent to me for my replacement. I asked one representative to close the account, because at this point I am unsure of how to protect my information. She told me I could not because there is a balance which is incorrect. They say they can't overnight a card, nor tell me what is happening w my information. This is terrible business and fraud.
Consumer complaint received 2023-09-13
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. (TX)

Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This event has occur back in XX/XX/2023, where capital one has closed my credit card since i lost it and someone used it, and I have reported to them that there were some fraud activity on my account and they decided to closed my account. I been with capital one for years and now I'm getting treated horrible! I still some points to be used but they still don't want me to use them? this situation is being unfair. and I want the world and others to be aware of how capital one is treating their customers.
Consumer complaint received 2024-04-21
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. (GA)

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.

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 2023-09-01
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XX/XX/23 transunion received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

Resurgent receivables has an account open that was never opened by me. We had a court date to remove account thats fraud they closed the case to sue me for documents not matching my address and information
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc. (FL)

Created taptapsend account on Fri XX/XX/XXXX to send my brother abroad some money. I entered all my personal data, including my debit card. I sent a small amount on Saturday ( less than {$200.00} ). Got a sucess sent screen for which i have a screenshot. They then never informed me but apparently suspended my account. multiple messages and calls, and no one coudl tell me why. finally today XX/XX/XXXX, they send em an email saying they confirm my account si suspended byut give no reason for it. I believe this company si a front for stealing American citizen 's financial data.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-04-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I terminated an apartment lease earlier due to constantly being vandalized with our cars and someone attempting to enter my apartment. The initial amount of {$9800.00} being charged is wrong, I have been sent to collections, I have sent a certified letter and several emails to have them make corrections on the amount being charged, but can not get a response from XXXX apartments to correct it, they keep saying to contact the collection agency. I once contacted the agency however they can not correct the fees. There's now interest fees which is now {$10000.00}. I paid the amount of {$290.00} for utilities and we had a service dog which was {$50.00}. XXXX XXXX XXXXee, this charges should have been removed. 
The apartment unit was also re-rented about XXXX weeks later, it was not vacant for a long time. The amount they are charging me is wrong and needs to be corrected.
Consumer complaint received 2023-12-25
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. (TX)

My information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items listed below deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal account from my credit report from all three credit reporting agencies. 

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 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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, and XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZWICKER & ASSOCIATES (CA)

I sent the court, Zwicker & AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters. The last letter dated XX/XX/ saying don't contact me anymore. You ( Zwicker ) failed to provide detailed information sent to me and the court so, on XXXX XXXX XXXX  i sent a certified letter to Zwicker asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with Zwicker and Associates 2. I am retired XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting following informstion from Zwicker : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that Zwicker has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this.

Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-09
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. (FL)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX {$810.00} XXXX, XXXX {$480.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$620.00} I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XXXX last year, I suddenly found that my Chase debit card was not working, so I called Chase Bank to ask about the situation. Chase customer service told me that my card had been closed and the remaining amount would be sent to me in the form of a check. However, I have not received a check in the past six months, during which time I have called Chase more than a dozen times, but each time I have been told that they are still investigating and can not give an approximate date for when the check will be released or the reason for the account closure. I think this is very irresponsible and disrespectful to the customer. I have XXXX dollars in my card, which is all my savings. Chase Bank impound my funds without any reason, which has a great impact on my life.