davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have never applied for or ever used any Union bank credit card. 
I received a billing statement for the card ending in XXXX for the period of XX/XX/XXXX to XX/XX/XXXX on XXXX XXXX for {$5.00} ( the transaction date was XXXXPlease see the attached pdf files containing XXXX  copies of all relevant Union bank documents mailed to me by Union bank ) . 
I called the Fraud number on XX/XX/XXXX to report that I had not only not purchased the item, but that I had never called to activate the card ending in XXXX or removed the sticker. 
I was told that this was a recurring charge and that they would start an investigation. 
I received another billing statement for the period XX/XX/XXXX to XX/XX/XXXX while the fraud investigation was ongoing for another {$5.00} ( Transaction date was XX/XX/XXXX ) plus the original charge of {$5.00} plus fees of {$7.00} ( this included a late fee of {$5.00} ) for a balance of {$19.00}. 
Since I was NOT SUPPOSED TO BE BILLED FOR ANY TRANSACTION INVOLVING REPORTED FRAUD, I assumed this was a billing error.I had received a letter dated XX/XX/XXXX ( see attachments ) stating that the fraud investigation was ongoing.However, I received a Union bank statement for the period of XX/XX/XXXX to XX/XX/XXXX for the {$19.00} plus fees charged of {$21.00} for a total of {$41.00}. 
The billing statement was for the new card that they had issued me ending in XXXXI never requested a replacement card, never phoned in to activate this card, and never took the sticker off this card.I have never used this card. 
I received a letter ( see attachments ), dated XX/XX/XXXX, from XXXX XXXX, stating that the charges involving the two fraudulent {$5.00} billings had been reversed. 
However, I then received a billing statement from XX/XX/XXXX to XX/XX/XXXX claiming that I still owed {$11.00}, of which {$9.00} was past due. 
I then realized that Union Bank does not know what they are doing and that they have extremely severe coordination problems that currently exist between their billing dept., fraud dept., sales dept., and loan dept.. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (TX)

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act Dept of ED/ XXXX ( or formally XXXX  ) Account # XXXX ( All XXXX accounts ) has violated my rights. 

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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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. (NJ)

XXXXXXXX XXXX XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies reporting an alleged account reported as a charge off on my consumer report, but counted as income according to the IRS. The IRS Clearly defines a canceled debt or charge off as gross income in which one has to report when filing taxes ( attached ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account as a debt inaccurate! 
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and the responsibilities of XXXXXXXX XXXX XXXX as a furnisher of information. 
15USC 1681 S-2 says XXXX XXXX XXXX is, a furnisher of information to a consumer reporting agency. XXXXXXXX XXXX XXXX is PROHIBITED BY LAW to furnish inaccurate information. 
15 USC 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( 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. 

15 USC 1681 S-2 ( A ) ( 1 ) ( A ) ( 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. 
I have shown XXXX XXXX XXXX and put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and of their responsibilities as a furnisher of information. 

Also, XXXX XXXX XXXX did not send me the 1099C form related to this alleged account. XXXX XXXX XXXX has caused me to potentially commit fraud against the IRS by not reporting this account as income on my income tax returns. I have written to the IRS about XXXX XXXX XXXX and their failure to furnish forms and the attached correspondence has been forwarded to the IRS as well. 
I will not hesitate in bringing legal action against XXXX XXXX XXXX for Violation of My Consumer Rights and Defamation of Character. I reserve the right to sue for violations of my consumer rights pursuant to 15 USC 1681n as indicated under both the FDCPA and the FCRA.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX/XXXX  is incorrectly reporting to Experian that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

We have tried to get them to fix they way they are serving our loan and sending us documents like request for insurance for a condo policy when the original loan is a VA XXXX XXXX loan. We were contacted in XXXX of, XXXX, XXXX of XXXX and XXXX of XXXX a notice of insurance for a condo. 

XXXX year in a row. This policy is not a condo policy nor is there any HOA. XXXX  auto EDI  flagstar bank XXXX XXXX XXXX XXXX XXXX phones az XXXX a copy of the current declaration page on XXXX to Flagstar bank and I have emailed them year after year as well as called with no resolution. 

This loan now purchased by Flagstar was never in its entirety a condo policy. 

This is unacceptable that I have waisted time and money off work to deal with this. There is Never a call back from a supervisor since the call center wait times are 3 plus hrs and the online, chat function is a joke with no service Representatives available in my area. Attached is a copy of my call timer on hold for XXXX mins and XXXX seconds with no answer and upon a call back a second time it took another 30 + mins to get through.
Consumer complaint received 2020-02-17
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. (NY)

My XXXX account was charged off in 2017. It was settled and my credit report should no longer be reflecting a balance. As of today, it still reflects a balance, and it should not. Additionally, my report shows that charge offs have been occurring every month since 2017. There was one charge off in 2017. It seems that every time something changes on my credit report, it is reflected incorrectly by Equifax.
Consumer complaint received 2021-08-23
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: BARCLAYS BANK DELAWARE (NY)

Charge was made on my credit card for {$620.00} by XXXX on XXXX, I noticed the charge immediately called on XX/XX/21 my credit card company, they removed the charge and issued me a new card. 53 days later on XX/XX/21 I get a notice dated XX/XX/21 that an investigation was done by my credit card company ( Barclays ) and the charge was deemed to be legit. I immediately called them and they stated the vendor was able to verify my email address. I was like are you kidding, that was enough for you to agree I made a purchase from these people? No proof of purchase, download or receipt, nothing. So I reached out to the vendor, who uses a third party to process orders, I asked them to reach out to their third party to confirm I never downloaded or received any goods from them. So far no response from the vendor, whom doesn't answer any complaints by phone, so all communication has been through email. Barclays wants to hold me accountable which is crazy and this vendor isn't going to admit fraud, so I'm at a total loss. Please help.
Consumer complaint received 2017-10-09
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 (GA)

On my XXXX Credit Report it shows an account with Capital One Auto Finance in XXXX TX. Because this was not actually my debt, it was my oldest daughter, who hoodwinked me into being primary on her account when I thought I was just co-signer. I was not paying the loan. The entire payment history on this account is bad and eventually they repossessed the car from her. Regardless off all of that as I was reading today I understand it is better to have an account status of PAID-CHARGED OFF than to just say CHARGED OFF. In this particular accounts Comments it says : Account paid for less than full balance Paid charge off Contact CAPITAL ONE AUTO FINANCE XXXX, XXXX XXXX But the account STATUS is just listed as CHARGED OFF at the top of the account summary. Should n't it say PAID-CHARGED OFF, since she did settle with the car company and not a collection agency?
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights 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 a account with out my written instructions.
Consumer complaint received 2024-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (MS)

I spoke with a representative about the debt explained I had no knowledge and was told that its not reported as it should be the representative then proceed to tell me the original amount XXXX if I paid it that it would be removed from my credit reports and I would be emailed a paid statement and the collection was no longer on my report I had to give my checking account information they took the payment out and it is still on my credit report and I havent received anything showing its been settled as you see they excepted the payment
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2022 at XXXX pm I made a purchase at the XXXX, WV JCPenney. The associate ( associate XXXX, according to my receipt ) asked if I wanted to join the rewards program to receive a discount on my purchase. I asked if it was free, and he said yes. He never mentioned that it was a credit card application and he attempted to rush me through the process. I found it odd that a rewards program required things like income and SSN, but it's been a while since I signed up for a rewards program and with the prevalence of fraud as of late I thought that the identification requirements had simply become more stringent. I mentioned this to the associate, but he did not reply. 

On the last screen, it asked me to confirm that I wanted to sign up for a JCPenney credit card. This was the first time during the entire process that the words " credit card '' were mentioned. I refused to press " confirm, '' clearly told the associate that I did NOT want a credit card, and requested that he cancel the application. He indicated that he had done so. I checked out using my debit card and before paying confirmed with him that I had NOT signed up for a credit card, and he again said that I had not. Then, on XX/XX/2022, I received a JCPenney credit card in the mail. The associate had apparently lied to me and signed me up for a credit card despite my protests. 

I immediately called JCPenney 's credit card services to report this fraud and have them cancel the account. They transferred me to the fraud department, and the fraudulent account was cancelled. They informed me that they would inform the credit bureaus of the fraud so that my credit score would not be affected. However, there was no way to report the associate who had fraudulently signed me up for this credit card, so I took the only option I had to do so by taking the JCPenney survey advertised on my receipt. I hope that this report will help encourage JCPenney to promote honesty and integrity among the staff at their registers. Thank you to the CFPB for all you do.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IL)

This information is in accurate : Record Source XXXX XXXX XXXX XXXX XXXX AND XXXX GENERAL DISTRICT COURTS Type of Search FELONY & MISDEMEANOR RECORD SEARCH Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Given Name Searched XXXX XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX XXXX on File XXXX, VA XXXX XXXX on File XX/XX/XXXX SSN on File XXX-XX-XXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX Address on File XXXX, VA XXXX on XXXX XX/XX/XXXX XXXX on File XXX-XX-XXXX Charge XXXX OF XXXX Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence JXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  continues to report a 90 day late on my credit file. This is incorrect. This account has been charged off on XX/XX/2019. This information is factually incorrect. This account was only verified for my name and account number. The accuracy of this account has been repeatedly ignored. 
The creditor refuses to give the credit reporting companies proof of the loan documents, dates of discharge, payment history, and correctly remove inaccurate updates to all credit agencies. 
I am forced to follow up with the cfpb, ftc, XXXX, transunion, and XXXX multiple times. This has resulted in countless hours of email, and phone conversations. I believe this creditor creates these obstacles to restrict consumers from a proper recourse to the negative filings. It has also restricted my credit from improving because it restricts credit reporting companies from issuing improving results. It is a vicious cycle that a person with relatively little knowledge can overcome.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2024-02-17
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.