davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Around XXXX last year, I had to pull out all three credit report due to a unauthorized hard inquiry, and no matter how I tried to pull out the Transunion report, and it did not work online, so I called them and received a paper copy from them. 

After reviewing that, I found out several stuff need to be fixed because the report was so mess up, I filed dispute online and again it did not work. 

I called Transunion again for the dispute, they requested me send them all the supporting documents though the mail, I sent that mail to them last year, until today I did not receive any response from them. 

Also, until today I still can not assess my Transunion report online, I believe they have not fixed anything and it is still mess up.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

I have disputed this with Experian and have received an email back stating that Dispute XXXX has been completed and updated. I advised Experian in XX/XX/XXXX that per a phone call with XXXX with XXXX XXXX XXXX ( the Original Creditor ) whose direct phone number is XXXX that XXXX XXXX XXXX will no longer be trying to collect this doctors bill as they were aware that I had XXXX and that this will be removed. I noticed that XXXX is still on my credit report and has not removed this debt. Experian said that this dispute has been resolved, however in this dispute XXXX did not remove themselves instead they updated the file. This is not what was to be done. Also, XXXX has Violated the FTC rules regarding being deceptive as they show this debt as being occurred in XXXX and not in XXXX as per the bill. I have had to retain counsel to investigate XXXX for their deceptive practices and blatant disregard for the law as it pertains to debtors. XXXX has been notified to my attorneys office and has still refused to recall this debt.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX Please investigate and delete it from my credit report. 

XXXX - Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX XXXX - Account NumberXXXX My parent has the same name as me. 
Account XXXX Please remove it from my credit report.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( XXXX and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX XXXX to check my credit and was surprised to see XXXX  still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.
Consumer complaint received 2016-03-11
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). 
This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have applied for a Capitol One Credit card and was approved credit card a month ago. I have received a phone call two weeks ago, from the Fraud department asking me to email documents to verify my identity. 

So for the past two weeks I have been emailing my personal documents such as state id, social security card, birth certificate, bills, and mail. I had several conversations with Fraud department about issue with ID being in black and white ( need it in color ), social security ( needed to be signed ), pieces of mail ( needed to be opened ), images are blurry, and recently my telephone number is not verifiable. 

When I asked the manger of the fraud department about the phone number issues he could not explain it to me on what was the issue. I google this issue and it turns out that others had this issue because their phone phone service was prepaid and not contractual. 

And now they want me to reapply in 15 days for the same credit, I was already approved for. 

I asked for a corporate number and the all push me to the website. 

Please help.
Consumer complaint received 2023-02-25
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. (MA)

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

Transunion : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXXXXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX  on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX In the amount of {$3900.00}.
Consumer complaint received 2023-02-25
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)

Disputed an account on XX/XX/2023 listed by XXXX XXXX  for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on my credit report.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (AL)

I had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX 2 of my credit cards were hacked and sent to fraudulent individual. I called immediately on XX/XX/XXXX, spent an hour on the phone. They did nothing and on XX/XX/XXXX charges were made for cash advances. In the 20+ years with this company I have never made a cash withdrawal and they didnt find it suspicious. I called back on XX/XX/XXXX to again report the fraud and attemp to lock my accounts. Still got it wrong. I called again on XX/XX/XXXX and now all 3 cards are locked 10 days after reporting the fraud. Capital one does not have the ability to protect me from fraud and breached their fiduciary responsibility to me. They dont process information correctly to protect me, allowed fraudulent charges due to their negligence and my account is still available to accessible online so now I have to make call # 4. Completely unacceptable and moving all debt from this company as soon as possible.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a certified form for my annual credit. The tracking showed that it was delivered on XX/XX/XXXX XXXX XXXX. Your website and all the webstie says to talk to a live person call XXXX XXXX XXXX There is no way to talk to a live person at annual credit report. Please investigate. and provide a real contact phone number to talk to someone in person. Every year i get a hard mailed copy of my credit reports. but now they are making it difficult to get a mailed hard copy. Let me repeat the number that is listed everywhere to talk to a live person is not correct. no prompts to talk to a live person. so the website is false information!!!!
Consumer complaint received 2023-03-02
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: Retail Merchants Associates (LA)

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. Account # XXXX RETAIL MERCHANT ASSOCIATES
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Consumer complaint received 2023-06-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$670.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.