davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, around XXXX XXXX, my purse was stolen from a gym 's locker room. The burglar broke the locker room 's lock and took my bag and wallet. I reported the instance to the gym staff and police. At XXXX XXXX, I received a message from Capital One and ask me if I had made a purchase in XXXX # XXXX, and I replied that my purse was stolen, and I didn't make that purchase. 

I called Capital One later and told them my purse was stolen. However, the thief used my card and spent {$710.00} on XX/XX/XXXX at a XXXX. On XX/XX/XXXX, Capital One credited my account to a new credit card number {$710.00}. But on XX/XX/XXXX, Capital One returned the fraud charges to my account. 

I called the Capital One fraud department on XX/XX/XXXX, and the person helping me said she would take care of the issue. After a week, the charges remained on my account, so I called Capital One on XX/XX/XXXX. The person helping me said the investigation showed that I authorized the purchases. I asked her who was the person I authorized ; she said she could not tell me. I said, " If you can not prove that I approved someone to use my stolen card, how can you say I authorized the purchase? She told me it would take another 90 days to investigate the case. But I need to pay the balance first. So far, Capital One is still keeping the fraud charges in my account.
Consumer complaint received 2024-03-26
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. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that transunion will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (OR)

Thursday XX/XX/XXXX Re : XXXX XXXX XXXX Delinquent Account Dispute To whom it may concern XXXX Recently, my fiance and I purchased a XXXX   from your organization and due to the changing dynamics of our family we were forced to trade it back in. This was my second BMW and her third and I would consider us enthusiasts of BMW. This recent experience has left us less than happy as far as how long this mistake has endured. 
Let me illustrate it for you : We, XXXX XXXX and XXXX XXXX purchased a BMW XXXX from the BMW dealership of XXXX on XX/XX/XXXX. We financed through BMW financing and had no problems acquiring financing nor paying our bills in a timely manner as they were on auto pay. Personally, my XXXX XXXX was XXXX and had not changed in years. As I stated, we had to trade the car on XX/XX/XXXX. As this was very close to our XXXX withdrawal, we specifically asked our BMW XXXX how to proceed and they stated that we should suspend autopay and they would take care of it. As of XX/XX/XXXX, we no longer had the vehicle in our possession and the autopay was suspended. 
It was then several months before we noticed anything. Just from habitually checking our credit scores, we noticed we were hit very hard with a reduction in our standings. It was related that we had a delinquent status reported from BMW. After several calls to the dealership and BMW XXXX, it turns out that that BMW of XXXX failed to mail the check and appropriate paperwork in time. Also after several visits to the dealership, which is an hour away from my home, we were finally able to acquire some help from XXXX, the local dealer representative who stated that it was the dealerships responsibility and he would assist us with the dispute. 
About XXXX month ago, it seemed resolved. Our credit scores each jumped, although not ENTIRELY back to prior, within XXXX points. XXXX or XXXX weeks went by and suddenly our scores were hit again and then again, dropping them further than prior. I called BMW XXXX and apologetically lost my temper a bit with a gentleman but through a few calls determined that I needed to specifically resolve this dispute via written correspondence drafted from me personally. 
Now you have said correspondence and I have also included letters of attestation corroborating our side of the dispute. It is nearly XXXX XXXX  year since leaving the vehicle with your companies. Your own employees have stated that the responsibility was theirs, internal disputes were submitted and now you have your personalized dispute in hand, I would like to see our XXXX XXXX return to their prior status. Please. Both my fiance and I have been enthusiasts of your beautiful vehicles for years and I hope for years to come. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (PA)

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 : # 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 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 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 2017-05-08
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: Experian Information Solutions Inc. (MI)

I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!
Consumer complaint received 2017-05-08
Product: Credit card or prepaid 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: Experian Information Solutions Inc. (CA)

Experian has been charging me $ 21.95/month since  XXXX  of  2016 , with an initial {$39.00} charge of which I was unaware. That means that they have charged me about {$260.00} without my knowledge over the past 9 months. I called to get a refund for the money that was taken from me, but they would only refund {$60.00}. That 's still {$200.00} gone from my account for a service that I was not even aware that I had signed up for and that I do not use. They do not send an email nor paper mail stating that your credit card will be charged. As far as I am concerned, these charges on my credit card are fraudulent because Experian leads people to believe that they are only charging {$1.00} for a credit report, when in reality they are being charged {$40.00} at the very least.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently pulled a copy of my Experian consumer report and noticed an item reporting on my credit file that isnt reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Yesterday I filed a complaint after i asked the 3 bureaus to do a proper investigation verifying that all items are 100 % accurate on all 3 reports. however that didn't occur. How in XXXX XXXX XXXX can all 3 bureaus do a proper investigation that quickly. My report is IN huge violation in which i am prepared to seek outside council and receive up to {$1000.00} per item, Last night i finished my 3rd and final dispute before i get a Lawyer XXXX # XXXX. As i tried to upload the file that clearly show the wrong doing in the account. Suddenly i was unable to upload it mysteriously. So i will ask that you combine these 2 complaints into one! Now i will attempt to upload these inaccurate documents. The violation is 15USC 1681 section 602 A Simply states I have the right to privacy. ( IN Violation ). 15USC 1681 sec. 604A The reporting agency can not furnish reports with out my consent. ( Violation # 2 ) 15USC 1681c ( a ) ( 5 ) 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 to any consumers reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate. add this to file complaint number : XXXX from this morning for XXXX XXXX
Consumer complaint received 2022-11-15
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)

In accordance with Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2017-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!
Consumer complaint received 2022-11-28
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. (CA)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capitalone ha s been making harassing calls to my work numbers,  XXXX ,  XXXX , looking for a person with the same or similar name. I do not have any accounts with  Capitalone.  The most recent call was received on Friday,  XXXX , looking for a  XXXX   XXXX  on a recorded line. I do not speak with anyone on any recorded line, especially a wrong number. The person calling was told its a wrong number and he insisted he knows the person works here, which he does not as he did not verify he even had the correct  XXXX   XXXX . Any future calls will be forwarded to security as harassment.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.
Consumer complaint received 2022-11-15
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. (NY)

Dear Sir/Madam, Someone on my behalf send inquires to open credit cards, and even opened some credit cards, thus I would like to remove them from my credit history. Such as 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 Thank you
Consumer complaint received 2022-11-15
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. (TX)

INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.
Consumer complaint received 2022-11-15
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. (AZ)

I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : 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 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-31
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: Amsher Collection Services, Inc. (MD)

Ive been filling disputes since XX/XX/2020 when this account appeared on my reports out of no where. Ive disputed it at all 3 credit bureaus but then Covid hit and Ive not gotten a response from them or the collection agency due to the pandemic. This is not my debt, I have no idea where this account came from.
Consumer complaint received 2023-07-16
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: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Additionally, my husband and I lost a house we were closing on because XXXX XXXX XXXX  and have no active credit for a loan. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved immediately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Account # XXXX & XXXX is showing this account as open when indeed its an closed account and displaying inconsistent opening date across all three credit bureaus which is a violation according to the FDRA. This is affecting the amount of time that it shall stay on the report and delinquency date.XXXX  has also not updated the statement showing as disputed which is also a violation
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My account was closed by Wells Fargo due to having suspicious XXXX activity. Every single person I have ever XXXX was a family member or a friend and theyre closing my account. Im stuck in XXXX and they will not allow me to access my funds! They say if they deem the transactions as legitimate they will continue to close my account and mail a check! Theyre holding my money for 20 days!