davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (FL)

On XX/XX/2024 I sent a statement requesting a verification or proof of the alleged debt accounts and a copy of the original agreement signed by all parties involved related to many fraudulent accounts reported on my credit report. I have sent many requests disputing those accounts since I have been a victim of an Identity Theft. 
My information was sold and bought illegally because I was a victim of the XXXX, XXXX, XXXX and XXXX data breaches. After disputing many times with XXXX, XXXX and Transunion these accounts are continuing to be verified confirming that these accounts are my responsability. The accounts disputed with the credit bureaus are : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$470.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$840.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$470.00} Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$510.00} Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} Account Information : Creditor Name : XXXX XXXX. 
Account Number : XXXX Amount : {$1100.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$270.00}
Consumer complaint received 2024-03-15
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. (IL)

You are in Direct Violation of The Fair Credit Reporting Act XXXX, XXXX and TransUnion, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.
Consumer complaint received 2023-03-02
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

This phony company called " Discover card Services '' keeps calling my phone, from differnet numbers, they say they want to lower all my credit cards. I have looked them up and it is a scam. I keep telling them to stop calling me but they continue.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had multiple inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts Account Name : XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my name is XXXX XXXX my birthday is XX/XX/1977 my ssn is XXXX my address is XXXX XXXX XXXX XXXX XXXX ca XXXX my phone number is XXXX Bank of America refusing to return my money that I received from edd Bank of America sent my card to the wrong address and the person was able to take all of my money out of my account it was over {$21.00} and I reported that I never received my card but Bank of America continued to let the person to make transactions after I reported my card stolen and I made police report and I still have not got my money back I am sick with XXXX and I have XXXX kids to support by myself and I really need my money to pay my bill 's I don't know what else to do I have done everything I was asked to do please if someone could help me I would really appreciate it thank you
Consumer complaint received 2023-03-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a XXXX  XXXX  commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

In XX/XX/XXXX I closed Discover credit card ending in XXXX because they approved a payment to a company that used an old discover card number that I did no longer wished to do business with. 
I had told Discover to close that old credit card and make sure no one gets paid form that old credit card number. 
I trusted Discover, but they ignored my request, and went ahead and paid the vendor who I did not wish to continue having involvement with. 
It is because of that, that I refuse to do business with discover. 

In XX/XX/XXXX, Discover had an overpayment of {$260.00} from me. I asked them to refund me, and whatever payments they ahd that were outstanding, that the vendors and I will have to sort that out. Today, at XXXX : XXXX XXXX XX/XX/XXXX, I called DIscover asking why they had not refunded me {$260.00} that was overpaid. They said that since I " CLOSED '' the account, they honored a {$25.00} dispute I had with XXXX XXXX 's because they " DETERMINED THE CHARGE WAS OK> Please have discoer shoW me the signed payment, for if it is not signed, I refuse to honor it, AND THEY must refund me. 

If one changes the credit card number so that vendors do not continue accessing one 's credit card, it is my decision if I want to pay such a vendor or not. If I wish to pay the vendor, I will give them my new credit card number to continue the relationship. I deliberately " lost '' the credit card in order to assure that the vendor will not pay a vendor one does not wish to. It is not Discover 's authority to use my . This is why they must be denounced for illegal business practices. 

They said that they also honored a {$95.00} payment for XXXX. That is also wrong because I have a new arrangement with XXXX, so why did they pay when I told them to close my account? 
SO, I denounce discover for theft, and they owe me {$260.00}. 
Until I get that $ refunded, I keep my claim of theft against Discover for stealing my funds.
Consumer complaint received 2024-03-15
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX {$2.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2019-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/2019, I was double-charged {$110.00} for the annual renewal for my XXXX XXXX XXXX. I filed a " Disputed Charge '' with Bank of America ( my credit card provider ), but they refused to refund the {$110.00} to me. In addition to that, BOA added a {$25.00} " Service Fee '', and because I refuse to pay this negligent charge, they have added {$25.00} to my credit card bill every month. I received a letter from a XXXX XXXX from BOA ( her number is XXXX x XXXX ) telling me that she will review the matter. I have tried calling her at BOA to resolve this, but she does not answer her phone, nor did she return my many voice messages. It is obvious that BOA has no real desire to handle this issue, nor do they have any real concern for customer service. I have tried to get the XXXX  involved, but their authority is very limited. Therefore, I am seeking assistance from you in the hopes that BOA will respond in an ethical manner.
Consumer complaint received 2023-03-03
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. (FL)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, XXXX and XXXX of XXXX  I fell behind on my car payment due to financial instability. since XXXX of XXXX I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

My ex husband and I were talked into filing a Chapter XXXX Bankruptcy jointly, knowing we were divorcing. The debt belonged to my exhusband, I didnt even owe XXXX. 

I need this public Chapter XXXX removed from my account for several reasons. 
1. The bankruptcy reporting on all credit bureaus for the Bankruptcy is wrong 2. The courts said that the credit bureaus could remove it from my credit report, as did the bankruptcy lawyers.

3. I asked for the validation from the courts, and they didnt verify.
Consumer complaint received 2023-03-03
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. (CA)

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-03-02
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. (FL)

Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. MG credit then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to file a dispute regarding the removal of old addresses and employers from my XXXX & Equifax credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses and employers, even though I have requested their removal multiple times. These addresses and employers are no longer associated with me and have not been for some time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I believe that XXXX & Equifax has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that XXXX & Equifax immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that XXXX & Equifax provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbersXXXX Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account Number:XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
Consumer complaint received 2019-01-21
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 (VA)

I have disputed the charge {$250.00} ( XXXX XXXX ) on XX/XX/2018. 
The amount {$250.00} had been credited on my account when I called Capital One customer services. 
It is a temporary credit while they were investigating my dispute charge. 

I have received a letter from Capital One and needed to send it to them with the documentation which shows the amount {$250.00} needs to be returned. I did send it to them without documentation. 

I had explained to them ( Capital One ) I don't have any documentation from XXXX. My ex-husband had spoken with their customer services. As per they said, the remaining balance which will be approximately {$250.00} will be credited on my account in 7-10 days after making the payment. The credit was not refunded from XXXX XXXX so I had called to Capital One to dispute this charge and explained to them all what I have. 

However, Capital One didn't do their job for their customer instead of resolving the issue. The temporary credit {$250.00} has been charge from Capital One. The reason they took {$250.00} was I didn't submit the document what tation they need. 

However, I have already explained to them but they have denied and rejected to resolve the issue what I have. 

If I have all documentation from XXXX, I wouldn't even call them to help and dispute the charge. I am not satisfied their services and whatever they have done was not properly for their customer.