davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX account name is 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
Consumer complaint received 2024-04-01
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX, XXXX payments for exactly same amount were drawn on Bank of America XXXX and paid to Bank of America VISA credit card XXXX XX/XX/XXXX, called Bank of America to report duplicate payment, and was advised a claim was opened to reverse the duplicate payment After waiting a few weeks, expecting prompt resolution, funds have still not been returned to my XXXX  On XX/XX/XXXX, upon checking through online banking for dispute status, I had no notifications and online chat stated no open dispute and no history of dispute within past 120 days. Upon calling Bank of America, I was transferred multiple times and misdirected by multiple agents, and was ultimately transferred back to the main customer service line, on hold waiting for an agent for 35 minutes, after which call was picked up and I was placed on mute for about 7 minutes with no agent answering and then the call was disconnected by the bank. I called back through online banking customer support, and the agent assisted in connecting me to Claims. Claims agent confirmed dispute that I originated on XXXX XXXX and stated that the claim was in review status, and they had up to two billing cycles to resolve. Upon challenging the agent that it sounds like they are handling as a credit card dispute vs. a Reg E payment dispute, she refused to escalate to a manager or to have a manager call me back. I advised her that this was being mishandled and that I was asserting and. executive complaint and reporting to CFPB, after which she either placed my call on mute or just discontinued responding to me or acknowledging me. After about 10 minutes this last call was also disconnected by the bank. 

After 2 1/2 hours trying to resolve, no resolution, no notification through my online banking account, no e-mail response and no escalation callback.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NY)

My credit report is still showing late payments on 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 customer service representative. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXXXXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

The above 2 accounts have been removed from report but suppose to be open
Consumer complaint received 2023-06-12
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX. Please correct and update.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023, Capital One closed my credit card without prior written advance notice. Alerted by credit report. 

Called XX/XX/2023, for clarification and requested the account is reopened for I have not missed a payment in 5 years plus the credit history is impacted by this account. 

Experienced a horrible customer journey to speak with a proper representative and when I reached an area, the agent was not willing to apply effective recourse. 

Related this business approach is a direct violation to Federal consumer laws. Disregarded by agent. 

These are grounds for legal matter and fiscal impact against Capital One. 

Asked for Capital One credit card Terms and Condition to justify closing my account, told Capital One can do whatever they choose to do. 

Listen to the recorded call/ tape via XXXX
Consumer complaint received 2023-01-05
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (MN)

In early XX/XX/XXXX, I received a replacement card in the mail because my American Express Platinum Delta Skymiles credit card expired. I activate this card as usual. 
On XX/XX/XXXX, I misplaced my card. I called American Express to cancel the card and send me a replacement. 30 minutes later, I found the card. I called American Express again in an attempt to get them to cancel my request. After a 20 minute+ conversation, I was told that because of security, this was not possible. I agreed to wait for a new replacement card. I asked the customer service agent to at least expedite the card so that I don't have to wait longer to use my credit card.

XX/XX/XXXX/XX/XX/XXXX - I received two replacement cards in the mail. I only requested one, but the previous customer service agent must have made a mistake. I ignore this security problem, and I chose to activate the card received in the mail ending in XXXX. This card was the last card received. I cut up the other replacement card. 
On XX/XX/XXXX, I made an online purchase with the card ending in XXXX. In early XX/XX/XXXX, the card ending in XXXX stopped working. Because of past issues with customer service, I decided to ignore the problem until later. 
On XX/XX/XXXX, I called American Express Customer Service to change account address because of a recent move. American Express informs me that the card they have on file is different from the card I have ( the one ending in XXXX ), and this other card was sent on XX/XX/XXXX. They tell me that they have to send me a new replacement card to my current billing address. However, I was making the call because I needed to change my billing address. The customer service agent did not address the major security problem with having a different card on file. The only option they gave me was to send me yet another replacement card. Because of the decline in their customer service and my growing concern for account security, I cancelled my account. 
XX/XX/XXXX/XX/XX/XXXX - Tried to submit a formal complaint. Ignored multiple times.
Consumer complaint received 2023-01-05
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (IL)

I sent a letter on XX/XX/XXXX to Experian to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA, 605B ( 15 U.S.C. 1681c-2 ) Experian is required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2023-01-05
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants' Credit Guide Company (IL)

Merchant Credit Guide is attempting to collect on a medical bill that the hospital did  not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-13
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. (SC)

1. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (IL)

I went for a time share presentation with Wyndham and submitted my information for a soft inquiry on timeshares. I decided not to purchase the time share and the next day I found out Wyndham used my information to open a credit card. I called Wyndham multiple times and they have not called back after numerous voicemails. I called Barclays to report this fraud and they did an investigation but never removed this account from my credit. Barclays still has the account open never closed it. Never sent me anything. Still waiting to hear from Wyndham and am now finding out they also opened up a mortgage account. Horrible experience. 

I understand Wyndham initiated the action, however they are the credit card issuer and I contacted them with 48hours of the alleged application. To not acknowledge the fraud. Keep the account open and never send account information to the user is very confusing and obnoxious. The fraudulent inquiry and account should be removed immediately. And they should reconsider their business partners.
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CT)

JEFFERSON CAPITAL SYSTEM OPEN ACCOUNT FRAUDULENT UNDER MY NAME ON XX/XX/ XXXX XXXX Reporting fraudulent activities to the credit bureau that is damaging me and my family credibility, I never opened and account with JEFFERSON CAPITAL SYSTEM or give them any permissible purpose to obtain my information NON DISCLOSURE without Consent is IDENTITY THEFT, I made several attempts to show proof of a contract and they ignored my request
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX