davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- XXXX XXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-10-07
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I took a taxi ride of approximately 25 minutes in downtown XXXX XXXX. At the end, the driver swiped my Chase credit card several times, but he said the charge did not go through. I paid him {$40.00} US in cash, and retrieved my card from him. On XX/XX/XXXX I received several text messages from Chase, showing an attempt to charge my card, apparently regarding the taxi ride. I confirmed to Chase, by text and by a phone call to Chase, that this was an invalid, unauthorized transaction. ( See enclosed letter from me to Chase, dated XXXX, attaching screenshot of Chase text ). The Chase agent assured me that my card would not be changed, and that I did not need to do anything further. 

Despite Chases assurances, my card was charged {$250.00} on my XX/XX/XXXX statement. I submitted a written dispute on or about XX/XX/XXXX, and again on XX/XX/XXXX. ( See the written complaint documents, attached here ). Chase denied my dispute, by letter dated XX/XX/XXXX. ( Attached ). Because I had experienced difficulty faxing my dispute documents to Chase, I called Chase to make sure they had received my explanation of the fraudulent charge. Handwritten notes of my XX/XX/XXXX phone conversation are attached here, in which Chase explained that they had received my documentation, but were denying the claim because I had not produced to them a receipt for cash payment for the taxi ride. I commented that 1 ). it is not common practice for a taxi passenger to get a receipt, and its unfair to expect that I would get one ; 2 ) the credit card charge ( {$250.00} ) bore no relation to the cost of the taxi ride I paid for in cash ( {$40.00}, which was probably an overcharge in itself ), and 3 ) Chase had already assured me the day after the ride that this suspected swiping of my card would not result in a charge to me. 

I sent a written re-dispute to Chase. ( See undated letter, post XXXX, and letter to Chase dated XXXX ). I reminded Chase of their written and telephonic assurances the day after the event, that my card would not be charged. Despite this, Chase wrote on XX/XX/XXXX and XXXX, XXXX, that the transactions are valid and the {$250.00} will remain on my account balance. The charge is not valid, and should be credited on my account.
Consumer complaint received 2023-01-11
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX 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
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank- XXXX 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 andantes 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 believe that the information is inaccurate.
Consumer complaint received 2020-06-10
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. (AL)

I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.
Consumer complaint received 2023-10-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (GA)

This collection agency violated my rights by reporting inaccurate information on my credit report also by not sending documentation to me of the debt therefore I had no acknowledgement of it. The law is Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I contacted my original creditor us auto sales before the closing to advised my phone was stolen & provided my updated address, phone number, & email which I never received any communication on from westlake or the transfer. XXXX XXXX XXXX XXXX ga XXXX, XXXX, email XXXX .Therefore is a breach in contract & violation to my rights. Westlake did not send me any communication or notification that my loan was sold or any attempts to collect, dispute or notification at all. My first letter from westlake was received today XX/XX/2023 after it was forwarded to my new address however westlake picked up the vehicle yesterday on XX/XX/2023
Consumer complaint received 2022-11-14
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. (AL)

I have been requesting a method of verification for the bankruptcy listed on my report since XX/XX/2021. I haven't received a valid response all I have received is a generic letter each time. I have sent the same letter to the other 2 bureaus as well XXXX deleted the bankruptcy off of my report. I am still waiting on a response from XXXX. I have also requested them to correct my name because it is incorrect. I also have attached the last letter that was sent to TransUnion.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- XXXX XXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-03
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: ERC (PA)

Enhanced Recovery Company is still showing up on my report in the amount of {$290.00}. It also shows the account is open, which is incorrect. It also shows that the account was paid on XX/XX/2021. I paid this balance and the company notified me that they would sent a request for delete to the bureaus automatically after paying the debt to have it removed from all of the bureaus. However, the account continues to show and has not been removed as previously stated by the company.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have lost my debit card and there were numerous charges unauthorized by me dating back from XXXX to late XXXX. All the charges were from the state of XXXX which I was not even in. 

I submitted a claim to my Bank ( Bank of America ) on XX/XX/XXXX for a claim amount of {$2800.00} consisting of all the charges from XXXX til XXXX and was told on XX/XX/XXXX that Bank of America would be unable to pay my claim as they state " The charge was authorized by you or made by someone who has permission to use the card or account '' which is untrue. I called them on XX/XX/XXXX to appeal the claim but was told by the bank that they can not open old claims which I believe to be false. 

I understand that some of the charges are too far back to chargeback but I fully expect the charges from XXXX and XXXX to be able to be charged back to my account considering how recent they are. I do not think a blanket rejection of my claim is a valid solution to my issue.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MoneyLion Inc. (GA)

The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I used Affirm 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted Affirm and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after 14 days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the 14 days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX  and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called Affirm and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with Affirm. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (GA)

Optum Bank took over the XXXX XXXX Reimbursement Accounts from XXXX XXXX at the end of XXXX. The money was supposed to be transferred from XXXX XXXX on XX/XX/ to Optum Bank. 

Attached is a copy of the transaction history from XXXX XXXX. It shows {$29000.00} being processed on XX/XX/. That money never showed up at Optum Bank. 

I have been working with Optum Bank for over 2 months but no resolution. I never get a call back, when I call they open another ticket and say wait 3-5 business days. Nothing appears to be happening.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2022 I received a letter from Capital One stating that they had closed my IRA account. There was no information about why, where the money went or who I could reach out to about the matter. 

After several calls and transfers, the Capital One operator revealed that they no longer service IRA 's and instead the account has been transferred to XXXX XXXX XXXX. 

To say that the communication surrounding this transfer was lacking, is a huge understatement. Capital One claimed they had sent an email on XX/XX/XXXX, XXXX but I found no such email. And it's concerning that a bank can make such huge changes to people 's finances without better and multiple communication efforts- even if one has opted for electronic correspondence. 

Capital One should be mandated to reach out to clients with more than just an email when large sums of money are transfered to another institution. They have an entire ecosystem on their website and apps- and none of those platforms offered any information that could have mitigated this confusion. 

1 ) Mine was an active account with multiple attached savings and checking accounts. So I was visiting the website and app regularly. Yet there was no " alert '' or internal message sent within the app or website that notified me of the closure. 

2 ) The account that was closed had no follow up information on it. It would have been quite simple for Capital One to have instructed customers where the funds were sitting or whom to reach out to. 

3 ) Further, there is no contact information on the account of who you can call about this matter. I instead had to call the general help line and was routed multiple times before I found someone who could help me. 

4 ) The letter they sent in XX/XX/2022 also didn't note where the money had gone. It simply stated that the account was closed. Again, it would have been helpful if they had stated to reach out to XXXX XXXX in that letter. 

This is a massive communication failure on the part of Capital One and a breach of financial disclosure. 

Capital One needs to be reprimanded for their handling of this matter. I can only imagine the number of people affected by this issue who have no idea where their money has gone.
Consumer complaint received 2023-06-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (VA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was contacted on my cellphone by Radius Global Solutions, a debt collection agency ( https : //www.radiusgs.com ). I ignored the calls. I was again contacted via cell phone today at XXXXXXXX XXXX from ( XXXX ) XXXX. I ignored this as well. On XX/XX/XXXX I sent a certified cease and desist letter to address : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX with tracking number XXXX which was " delivered to final agent for final delivery '' on XX/XX/XXXX at XXXX XXXX per return receipt. 

They have been ordered to stop and yet they continue to call.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Credit Acceptance late payments In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 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 furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

In XXXX of XXXX, I moved out of a rental. In XXXX of XXXX the past due rent amount was submitted to a collection agency called IQ Data. I reached out the IQ Data 's office and was instantly met with a contentious and extremely aggressive agent by the name of XXXX who claimed she was the manager and there was no one above her who could assist me. From the very start she was unwilling to listen to any of my concerns as the amount being requested was incorrect. I dealt with the rude comments and unprofessional behavior that she exhibited as I was fixing my credit to purchase a home. Nonetheless, I tried to work with her as well as hiring a attorney from a debt resolution company and they were met with the same difficulty. The collection account was already reporting on my credit report. On XX/XX/XXXX, IQ Data decided to add the exact same collection account to all three bureaus as a new collection account. I filled a dispute with bureaus and the debt was validated as correct. This is NOT correct information. I am in a position that there is nothing that I can do. She has completely destroyed everything that I have worked hard to fix with one key stroke of the key board and now I am unable to purchase a home because of her tactics and illegal reporting.
Consumer complaint received 2024-03-22
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. (CA)

I have disputed with XXXX transition and XXXX and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my credit score even though its been over 10 years