davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-14
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

This issue is with CareCredit Synchrony XXXX Card ending in XXXX. Back in XX/XX/XXXX I had a procedure done with XXXX XXXX. the charge was for {$570.00}. I paid with CareCredit. I had a terrible experience where my mouth started bleeding and had to return to XXXX XXXX a few times for extra treatment. I had to miss work and then had to go to a XXXX because my XXXX were inflammed and werent getting better. At the time The XXXX apologized and said she would refund my card and that the treatments would be at no cost. In XXXX when I get my new statement I still have no refund so I contact the dental office and was told the doctor had gone a Maternity leave and the XXXX knew nothing about the refund. I was told I had to wait no one else could help me until she came back XXXX  months later! At this time I reached out to Care Credit and put in a dispute. CareCredit did nothing and just kept charging me every month. So Every month I would call and they would put another dispute. Once again they did nothing. So I did this every month and nothing just more charges. Then they close my account. This has been over 1 year and nothing has been done. They have done nothing to help me dispute. I have a few credit cards with Synchrony and have neve r had a problem except with CareCredit. This issue has been ongoing for over a year and every month I reach out and nothing has been. No one knows what I am talking about and have to explain the issue over and over again every month, I don't know what to do at this time. Now they have reported this on my credit. I have excellent credit and always pay on time but this credit card has been an ongoing issue and I have run out of solutions. I get charges new late charges every month now. My bill now is {$610.00} with all the late charges.
Consumer complaint received 2024-03-13
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. (OH)

Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )
Consumer complaint received 2023-09-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : 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 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with Capital One and when I paid by endorsing my bill of exchange according to the Bills of Exchange Act they completely ignored the instructions I gave them to transfer my principal 's balance to the principal 's account. On XX/XX/, I sent the instructions with the negotiable instrument that they provided correctly and gave them 5 business days to complete the instructions, They then restricted my account. After that, on XX/XX/, I sent them the instructions again to give them an opportunity to cure and they ignored me again. on XX/XX/, I then sent them instructions the third time titled default notice and they ignored me again and also sent me another bill. I have performed in good faith according to the bill of the Exchange Act, I also sent them the laws to reference Federal Reserve Act Section 16 explaining that the Collateral Security is the Application they received. The XXXX completely ignored my instructions. I have all the proof and enforcing Federal Reserve Act Section 29. For Breach of Contract. 

Please Note every time I send communication include a copy of the instructions and a copy of the coupon. this is a pattern of non-performance. Federal Reserve Act 29.
Consumer complaint received 2023-02-13
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. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of 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 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 to cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
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: FORD MOTOR CREDIT CO. (NY)

My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or FORD MOTORs customer service representative.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 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 an 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 purpose. I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY
Consumer complaint received 2023-09-14
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)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXXXXXX XXXX Balance : {$440.00} ; XXXX  XXXXXXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX  Balance : {$2800.00}.
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I continue to get a calls from people stating they are calling me from a law firm and are about to file a legal complaint out of XXXX XXXX XXXX. They state a loan was taken out with Capital One but will not provide the alleged date of when the so called loan was taken out. They stated that they can see I have a credit card with Capital One when I in fact do not have a Credit Card with Capital One. They attempt to intimate me by continuing to state they know my address and social security number. They have stated that information and I am unsure on how they got access to my personal information. They are threatening to file a legal complaint against me along with sending me to collections.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX my bank ( USAA ) automatically opted me in for overdraft fees in my checking account without my permission. On XX/XX/XXXX a recurring debit pos from a gym that I don't even go to and it costs me XXXX times the amount in fees to cancel the membership was posted to my account even though I didn't have the funds in my account to cover it. My account went in the negative and I was charged with an overdraft fee. Prior to XX/XX/XXXX the charge would have been just declined. There was no mention of this change or any permission given on my part to be opted into overdraft fees. I missed the XXXX notification that was sent via email XXXX weeks prior to the change. This seems to be an attempt to take people 's money without their consent by this bank.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Last year I enrolled into a XXXX installment plan for my XXXX XXXX XXXX Synchrony Bank account and it was closed. The installment plan was for XXXX equal payments automatically scheduled on my account and it stated that there was NO INTEREST that was supposed to be charged. It was expressed that all I had to do was make the equal payments and I would be able to pay off the balance. Well on the latest statement I was just charged over {$800.00} interest. This will negatively impact my credit and make it impossible to pay in XXXX equal payments as promised.
Consumer complaint received 2023-09-14
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). BANK OF AMERICA is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
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: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

In XXXX of XXXX an item was purchased from Home Depot on the Citibank Home Depot Card for approx {$2700.00}. The product breached warranty and XX/XX/XXXX, Home Depot picked up product from my home, without the ability to replace the faulty item and refunded the approx. {$2700.00}. Citibank never adjusted the interest based upon the significant return and balance adjustment. Citibank is still attempting to collect the interest on the old balance without adjusting for the credit of {$2700.00} to the account. I have brought this to their attention numerous times and they refuse to recalculate the interest charged since atleast the date of the return/credit to the account. In addition, my account reflect my payment is not due until XXXX XXXX, but charging a late fee and harassing me with with daily phone calls and shutting off my card, despite never being late on payments before this valid dispute and a payment having been made based upon the adjusted balance.