davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Transaction was XXXX XXXX I paid for a XXXX cash with a XXXX card for XXXX but the XXXX was XXXX I found the tag at the bottom of the XXXX  when I got home. I did not approve for XXXX plus to be paid to my XXXX XXXX account. 
Some items were damaged on the XXXX delivery and I didn't receive all the items .I scheduled re-delivey and exchange on the XX/XX/2024 by XXXX XXXX and again they call that day to let me know that they didn't have the items at that point is when I canceled the order for the item that they didn't delivered. I call XXXX XXXX on XX/XX/2024 and file a XXXX. XXXX XXXX resolve with XXXX XXXX for payment and sent me a bill for the XXXX which includes the unauthorized payment as a deduction.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (GA)

I was a victim in the Equifax security breach in which they were ordered to settle with those impacted. I have despite this not being my fault and yet affecting me in a major and negative way Equifax has the nerve to continue to delete my submittal for a lump sum payment. I have entered all the months and hours per month in which I feel I have been trying to regain my identity and life back. How is it legal for the to state you can get up to XXXX in a lump sum if you can prove you were trying to resolve how you were affected by a breach we weren't even aware of until recently? So now we have to go back to XXXX and proceed forward to look for receipts and calculate mileage we didn't even know we would need in the time frame of XXXX in order for us to be compensated for what was done to us. This world is insane. The proof should be when you enter your last name and last 7 of your social and it states you were impacted you should get your XXXX tax free with no hassle. However, I took the time more than once to enter in all the months and hours I feel I worked on trying to resolve this issue with the credit bureaus and provided a legal, honest and logical explanation of why it is insane for them to ask people they violated to provide evidence we didn't know we would need, all so they don't have to pay out in a lawsuit. So despite me having a file number when I enter it in the system to search now nothing comes up. So legally Equifax is ordered by law to pay the victims, comes up with a bogus way to determine how much they will pay, and then deletes your case number so you can't check the status of your claim so they don't have to pay you at all. This world is full of crooks in positions of authority and that is disgusting. I will not file that breach form again.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

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 Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation (WA)

Merchants Credit Association routinely contacts me regarding medical debts that the fail to prove are mine. I've routinely asked them to provide itemized lists of the debts, the original biller, and proof that debt is mine. They never provide these proof documents. When these debts are disputed with the credit agencies, they agree to remove them, and then attempt to put them back on my credit reports. Now I have learned they are trying to file a civil lawsuit for some of these debts. I now believe they may have sent someone to my house who demanded my teens, who were home alone, answer the front door. I have filed a police report and am waiting to hear back more on this. Overall, I am scared of Merchants Credit Association and am losing sleep, suffering more medical ailment from the stress they induce, and I they have still yet to prove the debts are mine.
Consumer complaint received 2022-10-07
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. (NC)

My apologies if this is received multiple times. There is an inquiry on my transunion credit report from XXXX of 2022. The inquiry is listed as XXXX XXXX, XXXX. I do not recognize this inquiry and would like it removed.
Consumer complaint received 2019-10-13
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. (NY)

You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One recharged a bill of materials that was never purchased, the XXXX charge by XXXX XXXX was a hold on my card, that was released on XX/XX/2019, They rebelled it on XX/XX/2019 fraudulently ... I contacted Capital one and they did nothing to remove the unauthorized charge..and reported a inaccurate bill to Credit bureaus ..thgat is hurting my credit score ... absolute fraud
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt MIDLAND CREDIT MANAGEMENT used the medium form of my consumer credit report to communicate an alleged debt to me. MIDLAND CREDIT MANAGEMENT 's actions also displayed this alleged debt information to others that had access to my consumer credit report. MIDLAND CREDIT MANAGEMENT disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. MIDLAND CREDIT MANAGEMENT, has not provided any lawful proof that I signed any agreement/ contract with THE MIDLAND CREDIT MANAGEMENT that would make me liable for the alleged debt.
Consumer complaint received 2023-03-07
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. (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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2023-01-19
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. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXXXXXX 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  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (TX)

I received a copy of my credit history report from ( XXXX ). That Report contained incorrect information reported, someone stole my credit card use identify theft, call FEB Destiny remove charge, or verify.This negative mark is damaging to my credit. Please contract XXXX, XXXX and XXXX XXXX XXXX immediately to remove this information from my credit file.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify or remove debt.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (SD)

I received a call from Capitol One Credit Card Company at XXXX on XXXX XX/XX/2023 at XXXX XXXX  telling me there was an application submitted online for me. I did not make this inquiry nor did I fill out an application for a Capitol One credit card on the date specified. I notified the company this was a case of fraud and they annotated the application as such. I then called all three credit reporting agencies and had a credit freeze placed on my account. I continued my efforts by calling XXXX to dispute the hard hit on my credit report and was told to submit this report.
Consumer complaint received 2022-05-24
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. (FL)

Ive called transunion Several times to get the issue resolved. The representative was very rude and didnt seem interested in helping me get this resolved. I did not authorize the following creditors to run my credit and I need these removed immediately. I feel so unsafe knowing these companies will allow just about anyone to run your social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX bank  XXXX XXXX XXXX bank ) XXXX XXXX XXXX XXXX bank XXXX XX/XX/2022 XXXX XXXX bank XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIRST FINANCIAL BANCORP (OH)

In the past few days, my wife and I both received letters stating that XXXX denied our equity line of credit loan application ( to pay off an existing XXXX at another bank ). 

I immediately asked XXXX to correct their records to reflect the truth regarding the status of our loan application. 

As a result of the bank 's poor communications with me after I first inquired about an equity line of credit, I lost faith in working with the organization as a lender, so I emailed their employees on XX/XX/2023 and directed them to cancel the loan application. 

After that, both my wife and I continued to receive multiple emails, at first requesting additional documents, and then requesting our signatures because the loan had been approved. 

On or about XX/XX/2023 I complained in writing to the bank, asking them to stop sending us unwanted messages. 

Then we received the correspondence that we were denied the loan. 

That denial letters appear to be XXXX 's attempt to get back at us for notifying them that we were unhappy with the service we received from their employees. 

We expect those letters of denial to reflect negatively on our excellent credit scores, so we intend to take all reasonable steps to ensure that they correct this error.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.
Consumer complaint received 2024-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (AL)

I had a loan through XXXX/bridgecrest. The car was totaled out and the insurance company paid the remaining that XXXX insurance did not pay. The company is still showing this account as a charge off instead of paid in full.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

My account was closed in XXXX. When I called to get my funds back they required me to provide notarized receipts from my old bank, which is ridiculous because my account is already closed and my old bank is across the country.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XX/XX/2023 I contacted Capital One, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX to advise Capital One that a transaction between myself and XXXX was no longer authorized after XXXX failed to provide a valid way in which to contact them to cancel a 30 day free subscription whereby Capital One credit card was given to XXXX, ending XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. 
The Capital One employee who I spoke with, only identified as employee XXXX assured me that no charges would be allowed by XXXX and that I had nothing to worry about. The Capital One statement for XX/XX/2023 was received [ by mail ] with charges by XXXX in the amounts of {$26.00} ; {$100.00} ; and {$92.00} were applied to the small balance of {$380.00}! 
Capital One took action and a dispute against XXXX and issued me " temporary '' credits pending a response by XXXX. They've since rescinded the credits to my account after assuring me that XXXX would not charge any amounts to the card. Not only is this a bad business practice but they allowed unauthorized charges against my card and should be held responsible for crediting the amounts themselves.
Consumer complaint received 2023-02-20
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. (NE)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (WI)

In XXXX, I called XXXX XXXX, stated I will not continue the membership or to pay, due to high risk of the covid-19 pandemic during my XXXX, I will not be using the membership started months prior to covid-19 pandemic. XXXX informed me I needed to come in person to cancel. I refused, due to being XXXX  and not risking health during pandemic ; reiterated I won't be able to come in due to health risks for my unborn child, which is why I am cancelling. Now, in XXXX, received a letter for a debt collection by Aldous and Associates, I contacted by phone call but was informed they won't accept disputes and i needed a written letter to cancel years ago, which is not what was stated when canceling back in XXXX. I am not paying or continuing membership, I informed them before they continue to charge me in XXXX.