davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXXXXXX XXXX XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$1000.00} ), XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$9100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX, 2020, we charged a hotel reservation @ {$580.00}, non-cancellable, for travel to XXXX  in early XXXX. It was charged to our CapitalOne Visa credit card, through XXXX. The XXXX offered us a credit for a later use within a very limited time. We rejected the offer because 1 ) we chose to do so and it was not required of us by the contract, 2 ) we are XXXX years old with health conditions and are susceptible to a life threatening response to viral exposure, and 3 ) my wife has developed a XXXX XXXX and can no longer travel abroad. 

Prior to the payment due date, we advised CapitalOne that we were not paying because all hotels in XXXX  were closed by the government because of the pandemic ; the vendor was therefore unable to provide the services for which we were charged. CapitalOne initially removed the charge and contacted the vendor, who advised that they made a credit offer to us. CapitalOne therefore re-charged us despite the fact that we can not use it and have no contractual obligation to accept it. 

We have advised them that we do not have to pay for something that the vendor could not provide per the contract. The non-cancellable contract was between two parties and the hotel/vendor defaulted, regardless of the fact that they had no other option, just as we had no option to travel there at the time and can not do so now or hereafter. 

CapitalOne has refused to remove the charge and has since charged us interest charges and now has begun monthly late payment fees. I was advised by phone onXX/XX/XXXX by the representatives of CapitalOne that they are sympathetic to our situation and are sorry, but the company [ CapitalOne ] policy under the pandemic requires acceptance of an offer for a credit for later use. 

I asked about dispute arbitration and broached the idea of a settlement. I was advised they do not use an arbitrator and do not settle : Have a nice day. 

The dispute is no longer with the vendor, but with CapitalOne about a policy that they chose on their own to put into effect at the onset of the pandemic without notice to their customers, regardless of the illegitimacy of such charges as in this situation. This is not misbehavior by an individual vendor, it is predatory misbehavior by a major bank and credit card company. We need it to be resolved but they advise that the case is closed. I have retained all correspondence, which was primarily in writing per their policies. All other legitimate charges were paid and our account with CapitalOne was closed as a result of their irrational and unethical intransigence. 

We therefore have no option other than to lodge a consumer complaint and request your assistance. 


XXXX XXXX cc : XXXX XXXX XXXX, XXXX, CapitalOne Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXXI have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TD BANK US HOLDING COMPANY (CA)

Twice now my auto finance company, tdautofinance.com, in XX/XX/XXXX and again on my statement in XX/XX/XXXX, has listed payments i have made, on time in the full amount listed, incorrectly as less than my check states. Both times my checks were read incorrectly.
Consumer complaint received 2023-02-09
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)

AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment.

( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen
t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

PER THE LAW they have 3 days to conform. 

The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.
Consumer complaint received 2023-02-02
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-06
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. (TX)

Experian is reporting an account with XXXX XXXX  as a charge off with a balance showing. This information is not factual, how can an account be charged off with a balance? Once an account has been charged off, it must be reported with a XXXX balance.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (SC)

My account was subject to fraud while I was incarcerated from XX/XX/2020 thru XX/XX/2020. I submitted the forms to the bank to prove that I could not have possibly used the funds and was denied. The amount is XXXX XXXX Further I had a remaining balance of XXXX $ left in the account. The account was closed by the bank unknowingly to me. When fund was requested a whole run around ensued. They are refusing to send my fund. I have not met other financial obligations because of this. I received a letter from the dispute department to my current address ut not my check the have been mailing me for months. I need help plz.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This serves as my follow-up regarding my previous complaint dated XX/XX/XXXX, emphasizing the necessity to promptly delete the specified items from my credit reports. For your convenience, please refer to my recent FTC report with # XXXX, which I have reattached to this complaint. The items I wish to have removed from my credit file are outlined per bureau : -- -- -- -- -- -- -- -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 XXXXEQUIFAX : 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  I reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expunge any items in the consumer 's file identified by the consumer as information resulting from alleged identity theft within 4 business days of receipt.
Consumer complaint received 2023-03-06
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)

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. 
has violated my rights. 

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 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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-10-28
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. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX h

ave violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently pulled my credit report and noticed several unfamiliar names. In fact, these were names that I did not recognize and names that I had never claimed. My name is ( XXXX ) ( XXXX ) and should be reported as stated. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this easier and quicker for you all. 

Please remove the following names from my credit report because I do not recognize them : Name ID # XXXX - XXXX XXXX XXXX Name ID # XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Called Bank of America on XX/XX/2022 and number of days/months after and before. They opened up a checking account and changed my second email address without my permission or knowledge. Claim number XXXX. Changed my email address ( attached document ) to an email I never use. Changed my physical address also.
Consumer complaint received 2021-03-20
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (PA)

I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I own a small business and was looking for a credit card to consolidate some debt and transfer balance to from another credit card. I found the Capital One Spark 1.5 % Cash Select credit card which advertised : " XXXX $ annual fee and 0 % introductory APR for the first 12 months '' Underneath, it explains that the purchase rate is 0 % intro APR for 12 months, 18.99 % -26.99 % variable APR after that. 

I showed this online website to my business partner who agreed I should apply for this credit card as it allows for transfer up to XXXX with 0 % transfer fees and 0 % intro APR for the first 12 months ( so we both understood it to be based on description ). 

Lo and behold, upon the first statement after transferring XXXX from another credit card, there was a finance charge of {$72.00}. After calling customer service, I was informed that the 0 % APR for 12 months ONLY applied to purchases, not loan transfers. 

Me and my business partner both think this is misleading advertising as it does not mention that it only applied to purchases. After looking back now at the web page, I see that it says " Purchase Rate '' but I didn't understand what purchase rate meant, when referring to the 0 % APR for 12 months. I took it to mean what it costs to have a balance on the card, any kind of balance, whether it be by purchase or by transfer. 
It does not say that transfer balances are excluded from this 0 % APR offer. 

Capitol One went ahead and did a one time waiver of the finance charge but I still think it's misleading advertising and now I again have to look for a credit card that allows for transfer balances without exorbitant interest rates.
Consumer complaint received 2022-10-28
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.