davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FOURTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! 
After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (WV)

My credit report show there is an account open in my name with Milestone that I did not open. I called Milestone, which is ran by Genesis FS Card Services Inc. They said that I need to reach out to you guys, and they will not close the account. 

I know I didn't open the account cause every time they email me there you been approved letters, I trashed them. 

All of a sudden, I get a card in the mail. I trashed the card. Then yesterday I got a bill saying I owed {$170.00} dollars. Who would want a card like that. 

My name is not even correct.
Consumer complaint received 2023-03-24
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. (KS)

In accordance with 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 name : XXXXXXXX XXXX XXXX, Account # : XXXX Account name : XXXX  XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX  XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 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 the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

( NOTICE See uploaded files! ) Adverse action in accordance with equal credit opportunity act to proclaim an adverse action against a consumer pursuant 15 U.S.Code 1691 ( a ) ( 3 ) .Pursuant 15 U.S.Code 1691a ( e ) I am a Creditor as defined in equal credit opportunity act and Capital One has assumed civil liability pursuant 15 U.S.Code 1691 ( e ) .Capital one bank has violated my federally protected consumer rights.
Consumer complaint received 2024-11-13
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. (GA)

My name is XXXX XXXX and my Identity was stolen. there were fraudulent accounts opened in my name and inquiries made in my name as well. Please help me remove this as soon as possible I'm trying to get a car and I'm unable. according to the fair credit reporting act I am entitled to accurate credit reporting, please help.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-16
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. (VA)

I am writing to address an issue regarding my account payments and the recent late fees I have incurred. 

Payments on my account have consistently been made on time. However, I was recently informed by an employee that their card may have been cloned, which has led to confusion regarding charges on my account. I want to emphasize that I can not be held responsible for payments that are not mine. 

Until XXXX, all my credit payments were made on time. Unfortunately, I had to dispute some charges that were not mine, which were subsequently removed through a chargeback process. Despite this, I am now facing late fees due to these circumstances. 

I hope you understand my position, and I respectfully request that you review my account to resolve this issue. I appreciate your assistance and look forward to your prompt response. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-07
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. (FL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MA)

Legal tender of payment was sent in XX/XX/XXXX. No notice or any communication in writing from Ally on intent. No obtion given to opt out. Did not return legal tender of payment with copy of receipt to file taxes accordingly. Failure to do fiduciary duties and file with FederalReserve on our behalf. No communication until XX/XX/XXXX when a recovery team came to our private home. No notice given. Trespassed, theft of Vechicle took place including breach of peace. Third party showed no proof of claim or any legal documentation. They have been charged with police for theft filed. Attorney General on record as well a a collateral lien with the UCC on Vechicle. Items were given to a party not on title. Police officer witnessed to refusing to return items and show documentation while owner present.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (NC)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the Experian Credit Bureau and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A charge-off was reported on my account with XXXX for a negative balance of ~ {$15.00}. The address the bank had on file was wrong, and so I did not know that I had a charge off until it was reported on my credit score. I then contacted the bank and paid off the negative balance. After paying off the balance, they agreed to have the charge-off removed ; however, there was no response from TransUnion. The collections department at the bank told me there was nothing left to do, but sent me the form they submitted to have the charge-off removed so I could remediate the issue myself. I submitted a complaint with TransUnion twice and received no response nor change to my credit report. The contact information I have on file with TransUnion is up to date -- there has simply been no response.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXXDate : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX. XXXX we brought current so please update this asap. We updated CAPITAL ONE AUTO FINANCE with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Consumer complaint received 2022-12-22
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-01-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Collections Inc (DE)

The debt in question was deleted from my bureau reports several years ago after a failure to validate on the part of a different collector. 
This collector ( First Collect of XXXX, Delaware ) is clearly a junk debt buyer. They purchased the old file and made attempts to collect via a dunning letter. In my response I requested validation. I received the validation and immediately recognized the old deleted debt. I replied with another letter indicating that the debt had previously been deleted. Further, the statute of limitations for reporting passed no later than XXXX XXXX. 
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX, clearly the date that they bought the junk debt but misrepresenting that it was a new debt and/or a new delinquency. 
They have revived a dead account, ignored the statute of limitations even when their own " validation '' document supports my position, and they have violated the law by falsifying the date and character of the debt in my credit reports.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

My fiancee and I recently applied for a new rental home and were denied because one of has " Negative Credit. '' This is the only explanation I was giving a directed to this website to find out what the issue is and resolve it. Our application was denied on Tuesday, XX/XX/2021. I know my credit score is substantial and I have never had issues with this before. My fiancee will be submitting a claim as well.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

XX/XX/XXXX - XXXX $ XXXX XXXX ) XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XX/XX/XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I ask them to provide me with details on why my claim is being denied if these transactions were unauthorized, I got a email stating nothing at all, i did not get proof to why my dispute is being denied I be going through this for months
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my XXXX and transunion reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you
Consumer complaint received 2022-11-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet TransUnion Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. TransUnion has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a TransUnion rep and got nowhere except to contact this agency. Please forward to ALL credit unions.
Consumer complaint received 2022-11-29
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-07-09
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: Resurgent Capital Services L.P. (GA)

XXXX XXXX continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX  and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX  and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

CapitalOne is allowing an unauthorized/unrecognized charge on my credit card ending in XXXX charged on XX/XX/23 for {$15.00} without explanation or ability to remove charge. Both Capital One and transaction merchant XXXX deny existence of charge and offer only solution of closing account and issuing new card with a multiple day account restriction, inaccessible funds. Asked Capital One to remove the false pending charge but they refuse to do so. Unable to dispute or remove the false unauthorized charge. Obligated to tolerate false holds and unauthorized charges on my account for multiple business days with no possibility of dispute or remedy. This is a recurring issue with Capital One.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of 710+ and 0 late payment. My income is also way more than the debt on record. Kindly help. 


American Express : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : 5 Shown on credit report : 16 Total debt shown by XXXX : {$7700.00} this includes prepaid amex personal loan of {$1000.00} Actual credit card balances : {$4600.00}