davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from XXXX XXXX today XX/XX/2022. I have notified XXXX XXXX XXXX, XXXX several times that the account they purchased from Capital One Bank ( USA ) N.A. is not my account. I have attached the letter that they sent me today along with the letter I received from Capital One Bank. The letter from Capital One Bank clearly states that " Capital One Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX, XXXX IS BREAKING THE LAW!
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-06-23
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. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : USDA RURAL DEVELOPMENT Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Credit Reporting Act XXXX account # 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 account without my written permission. 

Reporting a late payment on credit report. 
Account # XXXX was also being review cause of the changes to the account. XXXX XXXX agreed to a new term for my loan and I have to cover the month of XXXX first in order to do so. I attached files.
Consumer complaint received 2022-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit bureau stated my account was properly investigated, but how is that possible, if the open data is inaccurate, the date last accurate is inaccurate. This ground for removal the also violated my rights under 15 u.s.c 1681 section 602 A. States I have the rights 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. 
Also the credit bureau took me 30 days to complete my investigation here is my certification certified mail tracking # XXXX
Consumer complaint received 2019-10-17
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: JPMORGAN CHASE & CO. (NJ)

When I took advantage of a zero percent balance transfer on XX/XX/2019 for my Chase Freedom Visa it was never disclosed that I would be forfeiting the grace period on prior and current purchases. It was only indicated that I would be charged a 4 % fee. Chase 's deliberate omission of grace period forfeiture was not indicated and as a result I am being charged interest on the purchases. Card holders are being deceived into believing that the they would only be charged the 4 % fee. Chase is intentional omitting disclosure of grace period forfeiture to their benefit by collecting the higher rate of interest. Please note that in XX/XX/XXXX and XX/XX/XXXX the payment was greater than the purchases charged for the month.
Consumer complaint received 2022-06-20
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. (IN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XXXX It appears that my XXXX  file has vanished, as indicated by the title. Despite numerous attempts, I can not access a report online or apply for credit with any financial institution that utilizes XXXX. This issue has persisted since XXXX. Each time I contact a representative, I'm assured that everything appears fine on their end, and they offer to send me a copy of my report. However, the promised resolution to my accessibility problem, with assurances of visibility within XXXX XXXX XXXX  days, has yet to materialize. Additionally, promised callbacks have not been fulfilled. 

Despite mailing the requested documents multiple times, they seem to be unable to receive them. Upon logging in, I encounter a popup instructing me to call and provide the code " XXXX '' to the representative. When I questioned this, I was informed that XXXX does not issue such codes. After following up, I was informed by another representative that the code indicates a blank file.

At this point, I am feeling disheartened and frustrated. Despite receiving score updates from myFICO ( only the XXXX, not the other XXXX ), my report has not been refreshed since XX/XX/2023. This issue is preventing me from completing my mortgage refinance application, adding to my concern and inconvenience.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

Ive been with Wells Fargo since 1988. When Covid started, I started using my credit cards more but Ive never been late on a payment. This past year, I was struggling financially especially this past year so Ive had to take some additional steps with personal loans, card purchases, etc but im getting a bonus to pay a lot of it off in XXXX. I know Ive had overdraft transactions but Ive never been late with Wells Fargo and Im seen high risk but to go from a XXXX credit limi to XXXX to XXXX in a year is ridiculous. Its impacted my credit score dramatically and as Im working on getting myself back up on my feet, i attempted to resolve this with Wells Fargo awhile back via XXXX and they told me to write to request an increase which was denied. I am requesting my limit be increased as I have been a loyal customer with Wells Fargo. Again, i understand a decrease but by this much? Please rectify
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NJ)

National Credit Systems showed up on my credit report this month. 
I never received any initial contact ( phone call, email, etc. ) that I even owed a debt. 

I could have resolved this prior to it going to collections.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I received a text from XXXX on XX/XX/2022 saying : " CITI your checking account has been placed on a brief hold, visit us at https : //citiwebsec2.com to prevent ongoing restrictions '' My checking account is not with Citibank and I don't think I have any credit cards from them. I did not go to the website suggested nor did I call them back.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MO)

I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via PayPal. 
I provided Tracking # and proof of delivery to PayPal and PayPal decided the case in my favor ( seller ) On XXXX/XXXX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though PayPal decided in my favor. It was an expensive bike, nearly {$5000.00}.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.
Consumer complaint received 2023-02-21
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. (PA)

Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-29
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. (UT)

I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX from the phone number XXXX XXXX XXXX I called to inquire regarding the multiple harassing calls Ive received from this company. 

First a woman by the name XXXX XXXX proceeded to ask for identifying information without the mini XXXX After clarifying on my own on the purpose I asked her for the statutory requirements to verify. She demanded a full social security number and would not accept my date of birth as sufficient I then called back on a different phone XXXX XXXX XXXX and a Male XXXX XXXX again demanded a full social.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am reporting a complaint for Experian I asked him to please verify the 14 inquiries on my credit report that I do not recall. They never respond to me they're giving me a hard time here under Section 609 under the statue of limitation of fcra if they can't verify with my signature and must be removed. This is a violation under fcra that if they do not respond to any of my letters or orders and follow fcra policy it is {$1000.00} violation I am asking for this to be removed it doesn't belong to me.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 has violated my rights. Or a list of inquiries : 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 2022-05-31
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-31
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-31
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. (GA)

I have disputed these accounts with Equifax multiple times, and this has not been resolved. The Account Status is incorrect as this is not a charge off accounts are NOT they were paid before being reported as a negative account. These accounts were paid in full and current prior to incorrect reporting as negative accounts. These accounts ARE TO REFLECT PAYS AS AGREED & PAID AND CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX