davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

On XX/XX/2023 Medical Data Systems furnished an account on my consumer report without my consent without permissible purpose and that is in fact a violation of 15 US Code 1681b, thats a violation and I demand {$1000.00}. Also, the Medical Debt credit Reporting act came to an agreement with the credit agencies that should not be reported to consumer reports if the value is less than {$500.00}. This account was added last week and the settlement went into effect beginning of this year. Remove this from all of my consumer reports. Thank you.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Paid my bill at XXXX XXXX of {$130.00}?? Went to XXXX XXXX ( XXXX ) to purchase a tablet for {$370.00} dollars and the card was declined. Contacted Capitol One ( BJ 's ) credit company and they tried to verify me electronically. This ultimately failed because my current phone does not have internet. I can receive texts but can't activate links within them. They told me that they would send my a six digit code to me XXXX and I was to read it back to them. However they said they were unable to verify the carrier and could not put the call through. However they were able to send me a text????. On Monday I went to a capitol one XXXX in XXXX XXXX XXXX XXXX. The rep there tried to be helpful and called with me to the fraud department of Capitol one where it was discussed that he could no longer verify drivers licenses because of a change in company policy. The rep at the fraud department said that copies of the drivers license could be faxed. I stated that I was not willing to pay for this and they agreed to put a {$15.00} dollar credit on my account. I'm not sure if that actually happened. It cost {$3.00} and I am happy to return the difference. I faxed my license via XXXX  on Friday the XXXX. I am uploading the fax verification along with the scanned documents. I contacted the capitol one fraud department on Monday and they stated that they had not received the document. I spoke with a Librarian who suggested scanning and faxing. I called the fraud department back at Capital one and they agreed to send a link to me via my email which is on file. the document was four pages and included the confirmation of the fax the cost of the fax and the front and back of the license. I called the fraud department back and they acknowledge receipt of the fax and quoted 1 - 10 business days to review it. I told them that this was unacceptable and they agreed to expedite they put me on hold for about 3-4 minutes and stated that the documents I had scanned were not legible and the back of the license could not be scanned. They gave no resolution to the situation and just repeated that the documents were not legible. My account has been on hold since the XXXX of XXXX with no resolution. I am seeking relief from the hold on my account and at no point was I told what was on the account that caused the block. They also mentioned that a passport would not be acceptable. I am a XXXX  XXXX person XXXX XXXX XXXXXXXX and unable to walk long distances. I use public transportation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$3700.00}, {$8700.00}, {$2900.00}, {$8000.00}.

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

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by Gap Inc. ( Clothing retail company ). The amont was  {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the Gap Inc. casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name Synchrony Bank ( XXXX XXXX XXXX ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the Gap Inc was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank 's website is not allowing me to login with correct credentials. The " forgot your password '' function does not work. I have reset my password several times only to have login reject my correct username and password. Their app has the same problem. I have contacted their customer service about this and nothing has been done. I have read stories of many others who have had the same issue over the past few months. I do not have the time or patience to call their customer service during their short hours of availability every time I need to pay my bill, nor can I hardly understand their internationally outsourced customer service representatives. I believe the inaccessibility for me to pay my bill is a major problem on their part and it needs to be fixed or else they should be penalized, or at least forced to notify customers that their website is not working properly, or temporarily shut it down and fix it so as not to mislead their customers into thinking online bill pay is an option when it is not.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I requested Venmo to provide me with all details regarding unauthorized activity on my account while it was under the control of a hacker. Venmo Support has largely been unresponsive, and when they do reply, they do not address my issue in any way. 

On XX/XX/XXXX, a hacker accessed and locked me out of my Venmo account ( as well as PayPal and all my email accounts ). They somehow gained control of my old phone number, which was still tied to the accounts.

Every day for seven weeks, I tried to work with Venmo Support. I had to open many tickets because Venmo would close them before the issue was resolved or simply stop responding, even after following all their instructions. When they did respond, it was obvious they did not read my Support Requests as they would only advise me to follow the prompts to regain my account, but without the phone number tied to the account, that was not possible. Four times they did ask for proof of my ID, which I provided, but they would not follow up or respond afterward. 

The hacker managed to get {$6700.00} from my bank account before I could notify the bank on XX/XX/XXXX. After I worked with the bank, Venmo began refunding directly to my Venmo account on XX/XX/XXXX. Because Venmo still did not restore access to my account nor lock it as I repeatedly requested, the hacker was able to get another {$6700.00}. The hacker transferred all of these funds to a bank card they attached to my Venmo account. 

On XX/XX/XXXX, I was finally able to get access back ( after seven insanely frustrating weeks ). Throughout the seven weeks of this process, I repeatedly asked Venmo to provide details about the activity on my account, but they never responded to these requests. 

XX/XX/XXXX, I started a new ticket requesting the information for every transaction that occurred while the account was in control of the hacker and the information tied to the bank card the hacker attached. The information for the fraudulent bank card could help with the police investigation and details on the transactions ( completed and attempted ) will help me understand what happened with *my* own account. 

In summary, Venmo Support has been slow to respond or incompetent in the months since my account has hacked. Venmo has allowed a hacker to continue defrauding me and others, Venmo gave this hacker an additional {$6700.00}, and Venmo has prevented me from providing information to the police.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

On XX/XX/2014 I initiated a wire transfer for {$2500.00} on my Account with XXXX XXXX, account number ( XXXX ) to The Huntington Nation Bank, XXXX XXXX  XXXX., XXXX XXXX, XXXX XXXX, Oh., XXXX USA . The Account number at Hunting National Bank was ( XXXX ) and the Account name was XXXX XXXX. After Learning that I was a Victim of a Fraud and a Scheme on XX/XX/XXXX, I placed a stop payment on check no ( XXXX ) to stop the funds from being sent. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  to request a Recall of the wire transfer and on XX/XX/2014 the Bank received a response advising the beneficiary did not authorize a debit to their account. Please see ( The United States of America v. The Western Union Company ).
Consumer complaint received 2020-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Flandreau Santee Sioux Tribe (NE)

I received the loan ( Application XXXX ) from Rushmore Financial on XX/XX/2020. I asked the man who authorized my loan if I would be able to pay the loan off early without penalty and he said yes. The loan was for {$700.00} with my first payment due on XX/XX/2020. I called Rushmore Financial on XX/XX/2020 to pay the loan off in full. The customer service representative informed me that I needed to schedule my payment more than two days in advance of a payment that was already scheduled and would be required to pay the first fee of {$310.00} that was already scheduled. None of this payment would be towards principal. I emailed the company to complain about the rejection of my payment. I received a response that I needed to pay more than two days in advance. I called today, XX/XX/2020, to pay the {$700.00} balance, which is twenty six days in advance. The customer service representative informed me that I owed an additional {$310.00} in fees because I did not call twenty four hours after a scheduled payment. She stated if I was not paying the full {$1000.00}, she would not receipt any money towards principal today. I then emailed the company again to verify the conversation from the phone call and they replied that I would need to pay the additional {$310.00} in fees. I do not want to continue the payments that are scheduled as the next 2-3 payments are fees only and every payment after that is only 5 % towards the principal amount. 

I requested a copy of my loan documents and have not yet received them. I went back to the email that was sent for me to sign the loan and the link no longer works and I can not obtain my documents online.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-03-05
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. (FL)

XXXX XXXX XXXX, XXXX ( XXXX XXXX is reporting that I owe it {$2400.00}. XXXX claims to have purchased a debt I owed to XXXX XXXX XXXX XXXX. However, every time I request documentation proving that XXXX bought a debt I owe I get nowhere. The letters that XXXX has sent be state that it will not sue me for the debt which is consistent with XXXX not really owning the debt. If XXXX can not prove that it owns a debt I created it should not be reporting that I owe it anything to the credit reporting agencies. Please help. This should not be on my credit report. Thank you
Consumer complaint received 2024-03-19
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. (CA)

I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$3700.00}, {$8700.00}, {$2900.00}, {$8000.00}.

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

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (IL)

Unknown parties on XX/XX/2019 attempted to transfer {$10000.00} from a Never activated US bank personal credit card. This Credit card was somehow activated before the attempted transfer to XXXX XXXX XXXX. US Bank stopped the attempted {$10000.00} transfer. 
Then unknown parties on XX/XX/2019 executed a cash advance of {$6200.00} from the personal credit card to a US bank business account that US bank did not stop or call customer. 
On XX/XX/2019 Unknown parties ACH transferred {$6200.00} from the US bank business account to a XXXX  XXXX XXXX. US Bank notified US Bank personal credit card customer by mail XX/XX/2019. 
Currently, {$6200.00} plus interest is {$6900.00} balance in Debt collection. 

US Bank denies all responsibility.