davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (OH)

I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.
Consumer complaint received 2018-10-06
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: Experian Information Solutions Inc. (GA)

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, Experian and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Consumer complaint received 2024-03-23
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. (TX)

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Over 45 days ago on XX/XX/2022, I sent letters to XXXX, TransUnion, and XXXX informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.
Consumer complaint received 2022-11-07
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. (NY)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please comply with the law and CORRECT the account right away. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Consumer complaint received 2022-11-07
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Consumer complaint received 2023-05-19
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
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. (NV)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Consumer complaint received 2018-10-06
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 or about XX/XX/2018, Capital One Credit card company post on my account a purchase which I never purchase with the mount of {$22.00} from the company XXXX.

On XX/XX/2018, I called to report fraud to the Capital One Credit Card company ( I also report online on my Capital One credit card account ) and let them know that I didn't purchase that amount of {$22.00} with XXXX  and asked Capital One Credit card to remove the fraud mount of {$22.00}. The Capital One credit card company told me that Capital One credit card will not removed that amount and I have to pay that amount even I never purchase.

Capital One credit card lock my card and refuse to send me a replacement card.
Consumer complaint received 2017-11-04
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. (NY)

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Consumer complaint received 2022-11-07
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. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX XXXX XXXX XXXX  and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681XXXX XXXX XXXX XXXX Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX TransUnion XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX
Consumer complaint received 2022-11-07
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2018-10-06
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: EQUIFAX, INC. (GA)

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with Equifax and thought I had it updated was reversed back to a previous name on my report. I have contacted Equifax, XXXX and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Consumer complaint received 2022-11-07
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. (SC)

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint. Please provide your method of verification for the below accounts : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

I opened an account with Security Service Federal Credit Union for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX Security Service federal Credit Union reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {XXXX I contacted Security Service on XX/XX/XXXX and was told to file a dispute with them via XXXX. I did so and received a letter stating they can not find this account in their system. I received XXXX letters stating this last week. 
Today, XX/XX/XXXX I have spent XXXX hours being transferred with representatives at Security Service Federal Credit Union and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent on my credit report.
Consumer complaint received 2022-11-07
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. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-11-07
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. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XXXX XXXX XXXX, FL XXXX