davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  and CAPITAL ONE  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 2023-08-16
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. (MD)

I have made several attempts to rectify the issue of not having my current mortgage payments to be updated and to reflect current for the months of XXXX and XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

The entire balance of XXXX was paid to XXXX and the account balance is {$0.00}. I have a copy of the account bill provided by XXXX. This information was related to Equifax via Online Dispute. However, Equifax failed to perform the necessary research, even when I indicated the account was paid, and insists the account is still a charge-off. 

If I paid the money owed, it can't be a charge-off. Therefore the status of the account must be updated to " Paid '' and the balance on the account must be updated ot " {$0.00} '' Equifax is not XXXX with CRA reporting laws and statutes. 

I have uploaded a copy of the XXXX 's account statement.
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.
Consumer complaint received 2022-11-03
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. (SC)

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681.

The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( XXXX ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( XXXX ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( XXXX ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX 30 day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kopp Collection Service, Inc. (CA)

Kopp Collection Service , Inc . 
XXXX XXXX  XXXX XXXX, NY XXXX USA The collection agent used the profane term " XXXX '' in regard to my questions about the validity of the debt. I informed her that using the term is a violation of The Fair Debt Collection Practices Act. She responded by affirming she had used profane language, then hung up.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc. (AR)

Two complaints 1. Number of calls 2.  Wo n't close account : I have a  XXXX   XXXX  card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to  XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off
Consumer complaint received 2022-11-25
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. (IL)

I sent certified letters to Transunion to dispute abnd notify them that they furnished on my credit report the following company : XXXX  XXXX XXXX. 
I NEVER contracted with them, and I numerously sent certified letters to them and all the Credit consumer agencies to immediately correct my report and remove this account. 

This account have been correctly removed from my other credit reports XXXX and XXXX ( see attachment ) as they investigated properly and found this account was incorrectly reported and they removed it from my credit. 

it keeps showing up on Transunion with different amounts and limits i am not aware of under my social security # and I need this properly resolved once and for all please. this is VERY STRESSFUL!!! 

all i get is a computer generated letter back, no real investigation done... they clearly do not care to follow the law nor even care to do proper investigation like the other bureaus did. 

This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. 

XXXX  XXXX XXXX - Last reported XX/XX/2022 - Reported balance {$65000.00} NEEDS TO BE REMOVED IMMEDIATELY
Consumer complaint received 2023-08-14
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. (FL)

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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 i disputed incorrect information on my credit report through my CFPB portal. It has been 30 days and the reinvestigation is still open with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b
Consumer complaint received 2023-06-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NC)

EXPERIAN ALLOWED THIS COMPANY, XXXX XXXX TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my Experian Credit Report on XX/XX/XXXX. It has come to my attention that XXXX XXXX XXXX has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX. 

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that XXXX XXXX XXXX compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian does not and has not thoroughly investigated this account information. This is why they have added online dispute options because its just a click of a button for Experian to only verify name and Social Security number so that connection and then they keep the same information snd claim that theyve completed their investigation. However, when I go look at their results its all the same and nothing has changed like the number thats provided for the so called collection. I am doubting their credibility and ability to accurately and lawfully report. This account says XXXX XXXX XXXX XXXX with an incorrect number on the credit file. After I had to figure out the number XXXX XXXXXXXX DENIES HAVING AN ACCOUNT FOR ME SO WHY ARE THEY STILL SHOWING ON MY FILE! Then every time you check, Experian is changing data!
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (FL)

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,
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (TX)

I was a victim of identity theft and noticed a collection from AWA COLLECTIONS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AWA COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (OK)

I've filed a dispute with PNC Bank credit card company where 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 Where I am housed at the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from PNC Bank that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification ID from the XXXX XXXX XXXX XXXX which is a legally issued state ID with my Social security card. Which could've all been verified by the Department of corrections had this company did a proper investigation into this matter. Where they sent me a response on XX/XX/XXXX stating that they needed more information to conducted an investigation. state : the account was opened on XXXX, XXXX At that time we were provided with name address and other identifying information. First of all I would agree to disagree and for these reasons if I have been incarcerated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2023-05-17
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2022-11-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

Well chime contact me said that they notice suspicious activity on my account. I reach out to them regarding the matter. Chime said they will be putting my account on hold until further investigation on my account. this may take some time to get back with on the matter. Now chime close account kept my money I had in the account. I reach out again to chime to see why they closed my account without giving me my money back. Chime said I need to send in documentation to prove my identity in order to reopen my account so I can receive my money! I sent in all the documents chime requested me to send in. Chime said to me at this time we decided to close your account do to suspicious activity they I dont comment on my account. Basically a person hacked my account changed my personal information like my phone number and email address associated with my account they changed my information without my permission and I told chime it was not making these changes to my account. This all happened XXXX and chime said it my fault I got hacked and since they did get in my account and change my information they said I will not be eligible for a refund and will not be able to reopen the account back
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX