davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-20
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. (AZ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (CA)

In XXXX, there was a fraudulent purchase on my AVANT Credit Card account. At that time, they deactivated the card and said they were sending me another card. I called their customer service and/or sent an email requesting a card. In XXXX, there was fraud on my bank account and therefore, the auto payment was declined for XXXX. I explained to the manager that I did not have a card, and was told they would issue credit because I could not take advantage of a service for a card that I had not received. I then received an email stating they would credit me any unused portion instead ; however, they still have not sent me a card. When I spoke to customer service and asked them if they could issue a courtesy adjustment since I did not have the card, and they refused. I had to close my card under duress because they refuse to issue an adjustment but were continuing to charge me late fees on a {$25.00} balance. This has resulted in a XXXX point hit to my credit report. I have no payment issues with any credit card companies, and this could result in a domino effect where other companies penalize me over {$30.00} and reduce my credit limit. I have never been late with this company and always paid on time. I find it hard to believe that they would sour their reputation over my hard earned {$30.00}. There are no special benefits, perks, or rewards that I have received in XXXX years, but forcing me to pay a fee.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/year> I attempted to change my autopay from {$65.00} to {$70.00} to avoid underpaying ( thinking it was above the minimum usually due ). The following month on XX/XX/year>, I noticed the auto payment was back to {$65.00} and that I had been charged a {$29.00} late fee the same day. I made an additional {$65.00} payment XX/XX/year> and spoke to a representative to help resolve this problem. Instead of telling me that my autopay was not set for the minimum due to avoid late fees, they waived the {$29.00} and everything seemed fine. On XX/XX/XXXX I made a {$35.00} payment ( because I had ordered something ) and then the autopay went as usual XX/XX/year> for {$65.00} ( which in XXXX I realize was lower than the {$70.00} XXXX though had been set. ) XX/XX/year> I went to check my balance and the autopay of {$65.00} went through and there was now a {$40.00} late fee because my payment was {$1.00} below the minimum. I have my card set to alert me if there is an issue but no such alert was given. 
I immediately made another payment of {$25.00} and called Capital one. I was told that they are only allowed to waive 1 fee per year. When I asked why this happened, I was told that my autopay was a fixed amount not set for the minimum and that for whatever reason the {$70.00} from XXXX was a one-time and the auto-pay had not changed. 
We then cancelled the fixed amount and it is now set for the minimum. 
I requested the fee be removed because this matter could have been avoided had the previous agent explained the problem in XXXX. I requested a supervisor and when I told her I was going to file a complaint to the consumer credit bureau she would be disconnecting the call. 
Her system would not allow her to remove the fee. {$40.00} because my payment was {$1.00} short. I am on time with every card. That this problem could have been avoided were they to explain it clearly we'd all be happier for it.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (IL)

On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!
Consumer complaint received 2023-08-13
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. (FL)

I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX
Consumer complaint received 2021-03-05
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)

There is a XXXX XXXX card listed as a charge off on my credit reports, and after disputing it they have still not removed it. The charge off amount is listed as {$2100.00} in XX/XX/2019, but with pays as agreed status through 2019 and no payments listed, ever. This is incorrect, is was not late and is not a charge off, and the negative information should be removed.
Consumer complaint received 2022-12-11
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. (CA)

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2021-03-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. (CA)

I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The above inquiries are unauthorized by me and are inaccurate.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer credit report.
Consumer complaint received 2023-07-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I recently checked my credit report with XXXX. On it, I noticed a credit card in my name was opened on XX/XX/2022 by Bank of America. I never applied for a credit card with Bank of America, and never received one in the mail. I believe I am a victim of fraud.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (MO)

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 2023-08-13
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. (MO)

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 2023-08-13
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. (FL)

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NV)

I recieved a copy of my credit report. To my surprise, you are reporting an account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of {$10000.00}. According to the FCRA, i have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2023-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

As I stated before with bank of America that my account has been tampering and it has nothing to do with me they took all my money out my account but soon they credit it back I never had chance to get my money out and it go right back into a negetive balance which causing my account to close I'm facing a hardship can't even pay none of my bills I work to hard for the bank to take my money I can't even get my XXXX XXXX XXXX or nothing all I want is my money back I don't care about them closing the account just give me my money back I'm two month behind on my rent all because if bank of America somebody need to pay me for my pain and suffering
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. XXXX. The inquiry was not authorized XXXX  Date of Account : XX/XX/2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (AL)

I had taken out a loan for emergency purposes, to repay it promptly. However, due to an unexpected additional emergency, I was unable to make my first payment. I promptly contacted the lender via email but was instructed to follow up by phone instead. I subsequently called the representative and explained my situation. Unfortunately, I was informed that there were no available options for me because I had not made my initial payment. As a result, daily interest is now accruing, making it increasingly difficult for me to pay off the loan on time. 

Despite my best efforts, I have been unable to secure assistance with a loan modification that would allow me to make monthly payments. Instead, the daily interest continues to accumulate, making it challenging for me to get back on track. My goal is to obtain a loan modification that would enable me to make regular monthly payments and have the daily late fees waived, with only the original interest applied to the loan. I am eager to find a solution that will help me regain control over my finances and make timely payments on my loan.