davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

-- XX/XX/2022 I made payment by telephone ( automated payment ) to Capitol 1 Silver CC to pay off total balance $ XXXXThere was no indication of any problem and received a confirmation number. 
-- XX/XX/XXXX, my bank statement reflected a transaction XXXX XXXX XXXXXXXX XXXX' for {$5400.00} -- XX/XX/XXXX, a past due fee was charged. {$40.00}. Payment due date is XXXX of the month. 
-- Approximately the XXXX I started receiving text messages about declined purchases. 
-- XX/XX/XXXX, I contacted a customer service agent to find out about the declined purchases ; he said the {$5400.00} payment was returned by my bank. I told him funds were available so I used my bank debit card to make a payment for the new amount, {$5600.00}. He gave me a confirmation number. The agent advised me he could not refund the past due fee. 
-- XX/XX/XXXX, interest was charged for {$110.00}. 
-- XX/XX/XXXX, I called my bank for information and was told Capitol One was taking the payment from my savings account. I've never used my savings account for payments. 
In addition, I made making monthly automatic payments to Capitol 1 always using my checking account. 
-- Approximately XX/XX/XXXX, I called customer service and spoke with a XXXX XXXX agent ID # XXXX. I explained the problem, he researched and told me the {$5600.00} was also returned by my bank. I asked him were they using my savings or checking account for payment. There was a lot of back and forth about which account they used, and he would not give me a straight answer.. He also said some nonsense about the payment couldn't be done because of my spending limit? That made no sense to me so I said I would make a smaller payment.of {$3000.00}. Again he said something about my spending limit and would not accept payment. Finally he said my only option was to make payment using my bank routing and account information. I was not comfortable with that but wanted the issue resolved. Payment was made, confirmation # XXXX.
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 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 2023-06-12
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. (IN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my XXXX and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX.
Consumer complaint received 2022-12-07
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. (VA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a letter from Bank of America stating that they are closing my checking and savings accounts in 30 days. They will not provide me with any information as to why this is happening. I have had the accounts for more than two years and have always been in good standing with BoA. I have called the number on the notice and no one will help me. I know I am being treated unfairly, and I want answers
Consumer complaint received 2023-07-07
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. (OH)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my twins and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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
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: EQUIFAX, INC. (NC)

Dear XXXX XXXX afternoon, I buy the XXXX XXXX XXXX on XX/XX/2022 through XXXX XXXX XXXX XXXX XXXX XXXX this auto loan to XXXXXXXX XXXX and we don't know about this, we don't know where to pay who to pay and on XX/XX/2022 XXXX reported to credit bureaus as a 30 day late payment, because of this my credit score fallen to XXXX from XXXX, today my mortgage loan XXXX called me he said he can not approve my loan if this issue not got fixed, I have called XXXX XXXX and I explained the situation why the first payment was not made, XXXXXXXX XXXX  person asked to raise the dispute with credit bureau and XXXX credit bureau XXXX XXXX XXXX XXXX  for explanation they can take care.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both TransUnion and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Hello I have received two past due accounts with XXXX XXXX XXXX XXXX from Transworld systems inc. I have NEVER had an account with XXXX nor owe any money or any sort .There is no outstanding bill. I assumed the first letter was fraud but i just received another letter. I googled the internet and see that other people have also received these fraudulent debt collection mails. I tried calling XXXX for clarification but no one was able to help. Here are details of the mail. 

Mail from : Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Date of mail : XX/XX/2020 File # # # # # # Creditor : XXXX XXXX XXXX XXXX Invoice : XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

My XXXX XXXX that was opened in XXXX  is not being reported to Equifax and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both XXXX and Equifax to remedy the matter but of to no avail. Their negligence is causing me to suffer.
Consumer complaint received 2023-04-06
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: EQUIFAX, 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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
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. (SC)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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. (PA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-21
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)

All three Credit Bureaus Transunion, XXXX, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have XXXX Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title XXXX XXXX Code XXXX Credit Acceptance never XXXX XXXX Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.
Consumer complaint received 2023-05-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX account # or reference # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX ending in account # XXXX XXXX XXXX XXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy. 

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, it's mandated for us to eliminate any erroneous entries from my credit history. Could you review the papers? Several of the mentioned entries are flawed concerning reporting, with incorrect amounts and dates
Consumer complaint received 2023-08-21
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. (CA)

I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

This complaint is related to CFPB case number : XXXX ( see attachment entitled : " CFPB Case XXXX '' ). In response to that complaint Nation Star Mortgage indicated in a letter dated on XXXX/XXXX/2015 that proof of insurance was received ( see attachment entitled : " Nationstar Letter Acknowledging Receipt of Homeowners Insurance XX/XX/2015 '' ). In a Nation Star Mortgage Statement dated XX/XX/2105 it is clear that the escrow payment for missing insurance was eliminated as a result of the CFPB case. However in the most recent mortgage statement dated XXXX/XXXX/2015 an escrow amount of {$640.00} mysteriously appears ( see attachment entitled : " Nation Star Mortgage Statements XX/XX/2015 '' ). I would like Nation Star to eliminate this mysterious escrow amount from my mortgage statement.
Consumer complaint received 2023-08-21
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. (OH)

15 U.S.C. 1681a ( XXXX  ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).