davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (NC)

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 XXXX XXXX XXXX. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-21
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. (GA)

hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting surgery please help and remove this is hurting my family
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX/XXXX XXXX does not show my ( Position ) I'm A XXXX   and attach proof as to TransUnion not putting all the correct information to Personal Information
Consumer complaint received 2023-02-15
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. (TX)

I have 2 XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I applied for a credit card with Bank of America on XX/XX/22 Application ID # XXXX. Shortly after applying, I received a letter from Bank of America stating that they needed more information to process my application and to call the number listed in the letter. When I called, the representative stated that he just needed to verify that I was the person who applied for the card because I had a fraud alert on my report. I verified that it was me and he processed my application. I asked him if I would know if I was approved or not once he was done and he told me that I would. Once he was done, he stated that I had been approved for a {$5000.00} limit on the Bank of America XXXX XXXX card and that the card would arrive in 7-10 business days. About a week or so later, I received another letter from Bank of America in the mail that was identical to the first letter. So I called the number again but this time the representative was unable to find my application in the system so I was transferred to the credit department where the representative there now told me that my application had been denied after I was previously verbally told by a Bank of America Representative on a recorded line that I was approved and what my limit was. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Consumer complaint received 2022-10-19
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-03-01
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. (NC)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.
Consumer complaint received 2022-12-23
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: AES/PHEAA (CA)

Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a student loan with fedloan that was purchased by XXXX .But it shows on my credit report as me owing both parties when that is not the case. Im wanting fedloan removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX XXXX XXXX and XXXX XXXX If not all three XXXX is the first XXXX.
Consumer complaint received 2023-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I pulled my credit and I had 8 inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX Bank of America and XXXX XXXX XXXX XXXX XXXX Please remove them.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (VA)

Ive been trying to upgrade old US bank XXXX XXXX XXXX XXXX XXXX  to new XXXX XXXX XXXX XXXX. Old one has {$50.00} annual fee, new one has {$0.00} annual fee. Ive been trying to upgrade to new one since XXXX, but every time I call customer service, the representative said theres no offer for me to upgrade and told me to apply new card. If I open new card, I wont able to close old XXXX because of credit score and I would end up with XXXX credit cards, which the US bank is giving me misleading recommendation. Today I talk to manager, I asked how long it will take me to get upgrade offer and she told me there wont be offer for me in the future and told me to apply for new card to get {$0.00} annual fee XXXX XXXX XXXX XXXX XXXX. Ive been US bank skypass visa customer for long time. This isnt a right way to treat old customer.
Consumer complaint received 2020-03-01
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (FL)

There is a Financial Accts Services reported on my credit file for some place called XXXX  XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE
Consumer complaint received 2022-10-18
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. (PA)

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 deleted : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Describe what happened, and well send your comments to the companies involved. 

In XXXX and XXXX, I experienced issues with my Apple Card not registering payments correctly, leading to accrued interest and a warning of a past payment due. In XXXX, I was informed that I needed to pay a certain amount of money to avoid paying interest. I paid the required amount, but at the end of the month, my card still accrued interest. In XXXX, my Apple Card requested that I pay {$16.00} by XX/XX/XXXX to avoid a past payment due. Despite having paid over {$2000.00} to pay down the card and paying the requested {$16.00} multiple times, the warning persists. I am concerned that this issue will lead to a negative mark on my credit report, even though I have made the necessary payments. 

Include dates, amounts, and actions that were taken by you or the company. 

XXXX : Paid the required amount to avoid interest ; interest was still accrued on the card. 
XXXX : Apple Card requested a payment of {$16.00} by XX/XX/XXXX to avoid a past payment due. 
XXXX : Paid over {$2000.00} to pay down the card balance. 
XXXX : Paid the requested {$16.00} multiple times, but the warning remains. 

I have also attached a screenshot as evidence, which clearly shows the warning on my account, despite making multiple payments over the required amount to prevent a past due mark on my credit. This visual documentation should help substantiate my concerns and further demonstrate the issue with my Apple Card account.
Consumer complaint received 2023-06-02
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. (NJ)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( XXXX XXXX ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX ) , continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-28
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. (GA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-08-10
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Requested that replacement Capital One Venture credit card be sent to XXXX. On XX/XX/2023 recieved email from Capitol One stating card had been shipped. Capital One also confirmed by phone that card was shipped using XXXX XXXX. As of XX/XX/2023 card has not been recieved. Despite repeated requests Capital One refuses to provide a tracking number or any information regarding whereabouts of the card.
Consumer complaint received 2023-08-10
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.
Consumer complaint received 2022-10-28
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. (AL)

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

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 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 written consent.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This credit card was written off because CaptialOne listed me as deceased. I am very well, I'm not dead. The this is why this negative remark on my credit report ( all three credit Bureaus ) is fraudulent. I want it removed from my report as it has affected my credit score. I've already filed the report with the credit bureaus and they are choosing to side with CaptialOne. I've also filed this complaint with CapitalOne and they have admitted that it is there fault and are working to have it removed. The information is below. 


Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$390.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$550.00} Terms NA Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX