davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I noticed a shortage in the checking account connected to the autopay of this credit card. I called the credit card and offered to make payment of this shortage, yet the credit card can not take payment on XX/XX/XXXX since the account has a XXXX balance due to the payment was yet to be returned. I called again on XX/XX/XXXX, now that the payment has been returned and I was able to make a payment. I was informed by the representative that interest charge would be removed as a courtesy. 

On XX/XX/XXXX, upon checking the monthly statement, I noticed yet another interest charge of {$16.00} on XX/XX/XXXX. I called customer service, who informed me that this charge was for the XXXX statement given the removal of the credit card grace period due to insufficient payment in XXXX. I informed her that I am unaware of the existence of any grace period in the first place, the representatives on XX/XX/XXXX and XX/XX/XXXX did NOT inform me of this, and the representative on XX/XX/XXXX assured me that no further interest or late fees would be placed on the account. Furthermore, I am on autopay whereby the credit card company automatically deducted monthly statement charges in XXXX. I requested that this bizarre and unfounded charge to be removed. She informed me that this charge must stay on.
Consumer complaint received 2022-10-28
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (GA)

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report. 

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. 

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

According to XXXX5 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to not report the account so why dont you delete them now? I have forwarded my FTC report and now Im attaching the required FTC Report AGAIN for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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
Consumer complaint received 2022-12-06
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. (MS)

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 XXXX & Equifax bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Accounts # 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 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

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 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 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. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (MI)

I have previously disputed reference item # XXXX and in response, Experian verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to Experian or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Persolve, LLC - Legal - Series 2 (AL)

The acct is not reporting correct information to my credit file- this is not my acct and this is causing issues with my credit file and score.
Consumer complaint received 2022-12-06
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. (GA)

I have called and sent in letter with police report stating that i had inquires on my report that was Fraudulent and asked Trans Union to remove them. Trans union has come back with a lie to say they are my inquires and i have reached out to all of the inquiry on my report and they all stated if i couldn't talk or write or talk on phone nor used a computer that the inquires was Fraudulent. So, I ask Trans union to remove them asap i have had XXXX as well XXXX removed them with no feedback. I know that credit agency gets paid for reporting things on report but at least report the correct things NOT Fraudulent. Attached is a letter stating that it ws Fraudulent and i need removed. If have to i will get another letter police report to state every inquires that's Fraudulent be remove. Please Remove these in 10 days of receiving this from CFPB or I'll get another Police report as will call each inquiry and submit a police report with them and File a Lawsuit for damages from the length of time i have asked to have removed from my report. Police Report attached letter as well stating i didn't do it. It's sad when an Inquiry knows it wasn't me that was trying to get credit but it's on my report. This is my Finally time requesting the removal of inquires off my report with the next step is LAWSUIT. As letter states they was going to reach out to Trans union to have removed but of course Trans Union has failed to remove because they report FRAUDULENT things just to get paid from their clients which is against the FCRA rules. So please remove all these inquires in 10 days of this letter or a certified letter from my Attorney will be sent asking to have removed with a New POLICE report and LAWSUIT for reporting incorrect information FRAUDULENT XXXX XXXX XXXX  XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$470.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2023-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to the CRA 's I have been told that I a CONSUMER owes on a debt with CAPITAL ONE Credit Card. I have never been given a copy of the agreement that would verify I have been made aware that I owe. Who is the Original Credit and is there some type paper work that I have signed documentation that validates such debt. Cease and desist till there is some type of XXXX XXXX that will help me go after the real guilty party in this matter. Please do Not send me a Statement it is an can not be proof that I have done business with CAPITAL ONE.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I made the payment on time and by due date on the BOA account. I paid by check in XX/XX/2023. There should be no " late '' notations, or any fees on my account. I paid {$4.00} back last month ( XX/XX/2023 ).
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-06
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NV)

XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX TECHNOLOGIES XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX KEYESEUROP XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TD AUTO FIN XX/XX/XXXX ELAN FINANCIAL XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion XXXX and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much thank you
Consumer complaint received 2024-03-11
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. (MO)

I am writing to file a formal complaint regarding the persistent failure to remove charge-off accounts from my credit report despite numerous attempts to rectify this issue. 

Over the past several months, I have diligently pursued the removal of inaccurately reported charge-off accounts from my credit report through multiple rounds of dispute. Despite my efforts, the credit reporting agencies have failed to take appropriate action to correct these inaccuracies. 

The continued presence of these charge-off accounts on my credit report is severely impacting my creditworthiness and financial standing, making it difficult for me to access credit and financial opportunities. 

I have followed all required procedures outlined by the Fair Credit Reporting Act ( FCRA ) and have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. Despite this, the credit reporting agencies have disregarded my requests for removal of these erroneous charge-off accounts. 

I request that the you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes conducting a thorough investigation into my dispute, promptly removing any inaccurately reported charge-off accounts from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.