davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (OH)

Lets start off with account is a court ordered discharged XXXX XXXX account that was officially discharged in XXXX. Company ( XXXX XXXX ) was officially notified by the United States Bankruptcy Court of the discharge injunction. 

XXXX XXXX has intentionally ignored and has no regard for an legal court order injunction. XXXX XXXX has no regards for consumer rights and has continued illegally and actively continued reporting the discharged account under many different status, such as account status closed, account type, open account, In collections/charge off, Account status derogatory, with a past due amount of {$1200.00} then states, account open again ( just on XXXX ) XXXX XXXX is lying , noting " verified as accurate '' claiming THEY investigated the information I disputed. Which by the way, my multiple disputes were actually NOT properly investigated at all. Maybe they couldnt access accurate account information because the account is SUPPOSED to be protected by the XXXX  XXXX bankruptcy DISCHARGE injunction. And this is why LEGALLY NO BANKRUPTCY accounts should be allowed to remain on ANY credit report! TO PREVENT INTENTIONAL FRAUDULENT UNFAIR CREDIT REPORTING! By allowing discharged accounts to remain on a consumers credit report creates a lot of problems and does not give the consumer their rights under FCRA and bankruptcy laws, a complete full clean slate that they are legally entitled to.

Allowing discharged accounts to remain on a consumers credit report allows these company to fraudulently alter account information ( as you will see in my evidence ) so that it is different from the LEGAL court documents. And all of you agencies are FULLY aware of whats going on. But VERY little is done about it. Its very obvious your goals are to keep consumer ratings, scores and profiles in poor condition to solely benefit predatory lending/predatory practice. If your company stood for whats fair and encouraged whats right, these companies, reporting agencies and unfair lending would know they would be fined and sued and put out of business by doing illegal business. 

All it takes is one person to stand up for whats right and properly handle these companies, the complaints and vultures accordingly. Hold them responsible for intentionally causing major major damage to a consumers report. Fine them and make them pay all the damages caused! 
This report has been forwarded to the United States Bankruptcy Courts. XXXX XXXX is in contempt of an court order discharge injunction and it will absolutely not go unnoticed. The courts need to know the entire ordeal after my bankruptcy with this company and how many times I disputed, how many times XXXX XXXX fraudulently altered details and how so very intentional all of their actions were.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I was charged {$1800.00} by " XXXX XXXX XXXX '' in XXXX. I was travelling in XXXX and was not in the " XXXX '' region. I have never heard of this merchant, nor have I authorized this transaction. It shows that my card was swiped at this location. From further research I found out that the translation means photography company, yet listed as a bar / restaurant business. I do not know why it shows my chip was inserted and I do not have any other users on the same account. I also have not given any of my credit card information to this merchant. 

Originally I thought this was the taxi driver entering a wrong amount, as that was the only transaction I have made in that time frame. I tried contacting Bank of America as soon as I saw the charge to ask for help. It was filed as a claim to dispute the amount, when it should have been filed as a fraud claim. This claim eventually was marked closed and I was still charged this amount. I then called again to get more information and was told that BoA will ask the merchant for a signed receipt, a few days later I was told that they will not do that and it is deemed a " valid charge ''. It is ridiculous that BoA is claiming that I authorized a $ XXXX transaction it at a self serve kiosk that doesn't require a pin or signature. 

I would like CFPB to help resolve this and get BoA who claims that there is a {$0.00} fraud liability to keep their promise. I am happy to sign an affidavit or file a police report as proof.
Consumer complaint received 2019-12-18
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address 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 ( s ) of that information.
Consumer complaint received 2020-04-10
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. (CO)

I attended University of XXXX in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my XXXX  and Equifax. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.
Consumer complaint received 2020-04-01
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. (OH)

They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (AL)

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, Equifax, and XXXX breach
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Bank : Capital One Statement attached I called Capital One today about a cash advance interest charge ( CAIT ) for {$45.00} on my current Quicksilver credit card statement. I have never used the card at an ATM and had only used it to wire money a few times. I have had the card for many years. I discovered today that the CAIT is repeatedly charged no matter when you initially made the wire transfer for as long as there is an outstanding balance of any amount. The CAIT is charged in addition to the interest charge for purchases ( ICP ) {$32.00}. The ICP policy I was well aware of and have no problem with it. The CAIT policy I was entirely unaware of, and I believe it is excessive and abusive. I was told that for as long as I have had the card, from the first time I made a wire transfer, if there was an outstanding balance, I have received a monthly CAIT ( {$45.00} ) + ICP ( variable ) for that wire transfer until the balance went to {$0.00}. That process began anew as soon as I made another wire transfer followed by an outstanding balance. I've also noticed random fees without explanation. I am shocked and so disappointed by Capital One. I feel they have taken advantage of me as a consumer.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB.

I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Dear Mr. President may this letter find you and your family in good health. 
This letter is to inform you that I XXXX XXXX have been a excellent credit card customer with Goodyear Tires for the past 8 years and present and never had a late payment with Goodyear tire nor any late with any of my credit card companies. 
In Light of the Global Pandemic I experience a difficulty with Goodyear online payment center in trying to make my {$28.00} payment I was not able to log on your system, I try calling could not contact anyone that day of XX/XX/2020 then I continue to call still I could not get in contact with anyone, when I finally got through it was on a recording and I was on hold to speak to alive person for 2 hour. 
When a customer service representative did pick up I informed her of the situation that I was trying to make a payment for the last 3 days and was not able to get through evidently the rep. I was speaking to did not care and I ask her why was my credit card limit was decrease she said the computer automatically decrease my limit from {$2300.00} to {$700.00}. I inform her I was trying to buy a tire because I had an emergency I had a blowout tire on my car I went to Goodyear tires to get the tire fix to learn that I did not have enough money on my credit card to get the tire fix it was so embarrassing that my limit was decrease without forewarning, I ask to be transfer to a supervisors she was very rude to me she indicated to me that my credit was decrease because I was late even though I called 3 or 4 days earlier trying to make a payment and was not able to get through your online system. I finally was able to make my {$28.00} payment. 
Doing this Global Pandemic I understand what we all are experiencing, But I have been an excellent customer with good year tire and I value my credit worthiness I feel I was disrespected and mistreated my Goodyear representatives. Please investigate this matter and please reinstate my credit limit back to {$2300.00}. 
Doing this pandemic even the credit bureaus are not reporting late payments The president of the United States even ask all credit card companies to work with their customers due to this pandemic Please Mr. President on Goodyear tires have your credit department raise my credit limit. 
Sincerely Miss XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

This issue has been going on for so long. My money was stolen from my account from payfare company. They emailed me stating that my temporary card was added to and token wallet. I dont even use any of that. The card they said they would send me never arrived. I need my money back asap.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

In XXXX of 2019, Macy 's put a late payment on my account. This was an auto bill pay issue and Macy 's recognized this on their end and said they'd get it removed from my credit report. It's been several months since I submitted my complaint, however the late payment has still not been removed. It's been reported by all three major bureau 's and has greatly lowered my score.
Consumer complaint received 2020-03-30
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)

the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2022-01-06
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I booked a room at the XXXX XXXX XXXXXXXX XXXX in XXXX, PA using XXXX - order number : XXXX. When I arrived at the hotel I discovered that it was sold out. The lady at the desk said the reservation would be cancelled and I'd be refunded the money. I went back onto XXXX to try to cancel and got the message that it was too late to cancel - I didn't give them enough notice. I'd only booked the room 30 minutes before arriving at the hotel, so I don't know how I could have given them more notice. I disputed the charge with my credit card company- Chase- and just received a letter from them stating that they contacted XXXX and were told that the charges were valid, because I didn't follow their cancellation policy. So, I booked a room and arrived at the hotel 30 minutes later to find the hotel was sold out but I was still charged {$150.00} for a room that was not available. I'm being charged because I didn't follow their cancellation policy, even though I wasn't able to cancel the reservation because of their policy, even though the woman at the front desk told me they would take care of cancelling the reservation with XXXX. 

Really? I'm being charged for a room that wasn't available? This is nonsense.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2020 letter to CEO of USAA, mr. XXXX XXXX " I have been attempting to access my bank account at USAA since XX/XX/2020, but have been hampered by missing IDs, passwords, account # s and money.

It has taken me several weeks to finally obtain a hard-copy of my Texas ID with a current address ( & new Cell Phone # ) in order to verify my identity with USAA security. I respect the security  protocols by which USAA ultimately protects the security of all account holders, however lately I am encountering senseless roadblocks by USAA systems which preclude me from rightfully accessing my account ( s ). My immediate objective is to reset my online ID & password, and update my address & cell phone " No response
Consumer complaint received 2020-04-01
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. (FL)

I have submitted several disputes over the years with XXXX, XXXX, and Experian to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Consumer complaint received 2019-11-27
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)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.
Consumer complaint received 2020-04-10
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: I.C. System, Inc. (TX)

A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. 

This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had internet service with XXXX XXXX  company.the service was terminated but them continued to bill me for full service.i tried to rectify the problem with company and they contends that even though the service was odd im responsible for full amount and I refuse to pay for service I never had