davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account.
Consumer complaint received 2020-12-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-03-25
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)

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT 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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I informed Capital One credit card that I am going through a financial hardship. Capital One won't work with me. Capital One calls me a minimum of 25 times a day from 25 different phone numbers. They interrupt my normal days work as they call so much. I work from home. I use my phone to work from home. They call do often I usually turn my phone completely off. I have to use a prepaid phone just to work.
Consumer complaint received 2023-07-11
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
Consumer complaint received 2023-02-08
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. (TN)

Transunion has not properly corrected my credit report. I disputed XXXX XXXX XXXX XXXX. They have not reported my monthly payment for XXXX, my XXXX XXXX accounts run 2 months behind. My credit score has not moved in 6 months and I constantly pay my bills on time. in XXXX and XXXX my score is almost XXXX points higher. They had a XXXX old account they just recently deleted. This is not following the fair credit reporting act. This is a form of suppression with this company.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My debit card was stolen and I contacted Capital One Bank immediately at the time I realized my debit card was missing. I have only ever had a debit card stolen less than a handful of times. I spoke to the representative on the phone and clarified that the charges in question were fraudulent charges. I noticed during the phone call initially that the representative may have misunderstood and submitted the transactions as a dispute rather than marked them as fraudulent. I am the only one authorized to use my debit card, and nobody else is. The charges in question were for a {$110.00}, and {$300.00} for a total of {$420.00}.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}
Consumer complaint received 2020-12-16
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: U.S. BANCORP (CA)

In XX/XX/2020 Elan Financial reported a late payment on my credit. XXXX credit card services switched banks and Elan financial took me off auto pay when they took over. They called me 33 days after my payment was due and I immediately paid it. They even took off the late fee and assured me it wouldnt be a problem. They also mentioned with Covid-19 they had some deferred payment options. When it hits my credit they tell me sorry you were late. Not taking into account they took me off auto pay. Their response was we mailed you a letter even though I have relied on autopay for 6 years! Not fair
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I purchased a service from XXXX XXXX XXXX, couple of months ago I was notified that the company is insolvent due to Administration ( similar to Bankruptcy in the US ) and it can not provide a refund. I contacted my credit card provider that I am claiming a chargeback/ refund as the Company is insolvent ( being in Administration ), the card company issued a conditional credit to my account last month. Today, I received letters from my credit card company regarding the billing dispute I asked for on my card. They are concluded their investigation that they can't assist me getting a refund. I contacted XXXX XXXX XXXX and they advise me to submit a complain as I am well protected and under the Fair Credit Billing Act, and that I have a legal right to dispute charges on my credit card for goods or services I didn't receive Services not rendered.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I had learned that a merchant I hired to do a job and that I paid {$10000.00} was having some major staffing issues for a job that was in progress. Three of the key personnel at the merchants organization quit on the same day. 

The people who had quit informed me on XX/XX/2024, that the merchant was attempting to claim that the job was fully done, even though the job was not fully completed. I immediately contacted the merchant on XX/XX/2024. Due to The lack of substantive response from the firm, I initiated a dispute with my credit card company JP Morgan Chase. 

JP Morgan Chase did an initial investigation. During the dispute process, the merchant made many false claims, one of them being that the job they were hired to do was completed. That is entirely not true. The job is not completed. 

Initially JP Morgan Chase, believing the false statements of the merchant, sided with the merchant on XX/XX/2024. I submitted a re-dispute on XX/XX/2024 where I outlined in great detail how exactly the work was not completed and that there were several instances of quality issues with the work. Namely, the main quality issue is that the merchant stopped working on the job I hired them to do entirely after the key personnel left on XX/XX/2024. 

I had reached out to one of the key employees who had quit the merchants organization and they wrote a 6-page long affidavit outlining that the work was not completed. 

I resubmitted my dispute on XX/XX/2024 with many pages of documentation and the affidavit of the former employee. 

JP Morgan Chase wrongly did not open my re-dispute and is not assisting me with this dispute any further. I would ask that JP Morgan Chase please review the facts of my dispute and please re-open the dispute as a quality of service issue because although some work was completed, it was not entirely completed, and to stop working in the middle of a job has forced me to spend an additional {$6000.00} for another merchant to complete the work that the original merchant is refusing to complete. 

This has caused me a great financial hardship at the worst possible time. 

I ask that JP Morgan Chase please do right by me as a consumer and open the dispute as a quality of service issue for work that was promised to be completed but never delivered.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

i keep asking them to verify the account and all that they say is that it's my account. I ask to see the signature and they say that all they have to do is to verify my ssn and that's all.
Consumer complaint received 2023-03-09
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. (IL)

In accordance with the fair credit reporting act ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ( i did not give written permission ) 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 crime which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person should 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Statement of Facts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Bankruptcy Records Date- XX/XX/year> XXXX XXXX XXXX XXXX XXXX Bankruptcy Filing Number XXXX Please delete, remove and block this information from my Lexis Nexis consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Lexis Nexis consumer report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Drivers License Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (CA)

I have a debt collector attempting to collect a debt that has already been paid. I have attempted to contact them on several occasions and they refuse to help me or comply with the Federal Law to legally show me proof of the debt per the Fair Debt Collections Practices ACT. The original debt was paid to the creditor Mr. XXXX to do a job at a property I own. They invoiced me {$2700.00} for a job they did not complete. I had to hire another company to come out and redo the entire job they were hired to do after an inspector said it was not sufficient and would not pass code. I paid MR XXXX for the work they did which was the majority of the {$2700.00} and told them I had to get another company to redo the entire thing because it did not pass inspection. That was the last I heard about it for quite awhile until a debt collector know as TeleRecovery reported the account on my credit report. I disputed it with the credit reporting agencies in XXXX and again in XXXX and TeleRecovery supposedly verified it. I then sent TeleRecovery a Validation Demand asking for a signed contract, statements, or detailed billing history per the Fair Debt Collections Practices ACT which requires them to send me these documents for them to legally report or collect a debt. The first validation demand was sent on XX/XX/2020 and I got no response so, I sent another validation demand asking for proof of what they were reporting and the required documentation by law to legally report or collect the debt on XX/XX/2020. On XX/XX/2020 I sent another demand because they did not comply with the FDCPA and have violated my consumer rights and yet they still keep reporting it to the credit reporting agencies. I let the credit reporting agencies know that TeleRecovery was in non compliance of the FDCPA but the credit reporting agencies do not care and keep saying the verified the account. On XX/XX/2020 I sent TeleRecovery yet another validation demand asking for full compliance with the FDCPA and have not gotten a response. This company has violated my rights and is breaking the Federal Law.
Consumer complaint received 2020-12-16
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. (FL)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-04-14
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)

The company is publicly reporting account information that contain several errors and information that is excluded under the Fair Credit Reporting Act. The company is also publicly reporting credit inquiries which do not belong on a consumer report. All of this information is being reporting without my expressed written consent. And the company has no authority over me to report anything with out my expressed consent. The information is defamatory and is intended to abuse me as a consumer.