davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX  has updated my wife 's credit report to reflect the XXXX balance on this account, but XXXX has refused to update my credit report as a joing owner even though I've disputed this to reflect a XXXX balance. XXXX is showing I owe XXXX XXXX {$3800.00}. Under the " dispute '' section of my credit report, XXXX reflects XXXX owed to this company because I've filed a dispute with them, but since updating the dispute and resolving it, under the " summary '' section and " credit '' section of my file, they show I owe XXXX {$3800.00}. 

How can I show nothing owed on one area of my XXXX file and {$3800.00} showed on my XXXX credit report and my wife 's XXXX credit report be accurate when it's all the same credit line?
Consumer complaint received 2022-05-21
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX ( XXXX ) and XXXX ( Experian ), 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 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Noticed a few accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Blackhawk Network Holdings Inc. (MO)

Why was I given a card in the mail after closing my account five years ago and why dose it say charges from New York when Ive never been there in my life Im not paying anything if thats what you want
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account on my credit report, despite confirmation from the respective bank to remove it. This failure to comply with the law undermines consumer protection and erodes trust in your services. 
I demand immediate action to rectify this situation. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting act Capital One, collection 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had two capitol one credit cards for a couple years now. I have been on time with all of my payments this last year even through Covid. I had a couple returned payments from capitol one to my bank because of insufficient funds but i took care of these each time before my payment was due and was never late. i was having issues because of Covid and was struggling. now the company has closed my accounts without a warning or anything. i called them and they did a 10 day investigation and still decided to close. i feel like i was treated unfairly because i didn't get proper warning before the closure and when i talked to customer service they were rude and looked down on me for going through a hard time financially. i don't have the best of credit and all they said was all i had to do was apply again however i don't qualify anymore. i was building my credit with these cards now how am i supposed to do that. I explained that i have a great job again and these issues wont happen again as they did not before covid but they did not care.
Consumer complaint received 2022-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a credit card on my report thats not mine. I have never had a Bank of America card And when I call the number on the credit report she tells me we dont have a card under my social security number or name yet its on my report! The amount keeps going up and I cant do anything g about it. Its not mine
Consumer complaint received 2022-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IL)

I have received numerous calls from Credence Resource Management in their attempt to locate someone other than myself and an individual/ individuals that I have no knowledge of. This caller does not leave a message when i monitor my calls. When I do answer and ask who is calling they hang up or speak unclearly .When I ask them to repeat who they wish to speak to they hang up. These calls are repeated multiple times a day. The calls number between 4 and 5 times per day. I researched the company by using the phone number they called me from and that is how I found out the name of the company. At no time did any individual from this company identify themselves, the company name or the nature of the call. 
This is harassment. I owe no one any money. I pay my bills on time. I contacted the company on XX/XX/2022 and spoke to XXXX XXXX and she was very slow to connect me with a supervisor. While on the line she took note of my phone number. I was connected with a supervisor named XXXX XXXX who said he would remove my phone number from the list. I informed him I have had use of my phone number for 25 years and whom ever they are looking for I have no knowledge of. As of today. XX/XX/XXXX I have not received another phone call. This company never identified themselves in all the phone calls they made to my phone number. I had to do research to find out who all the multitude of phone numbers belong to. I never want to be called repeatedly, hung up on and have a caller never once identify themselves, the company or the nature of the call.
Consumer complaint received 2022-05-21
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  Account # XXXX ( Transunion ) and 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 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!
Consumer complaint received 2017-11-22
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. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2017-11-22
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: Bread Financial Holdings, Inc. (FL)

To whom it may concern : XXXX, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GreenSky, LLC (MO)

I had a procedure done last year at the XXXX XXXX, in XXXX XXXX, MO. I was approved with a line of credit thru Green Sky. They procedure didnt meet my expectations, nor really any customers at that. Less than 6 months later their doors are shut, closed out of business. This place is not legit.. I was told if I didnt like my results to come back, however they are now longer in business and I feel I should not need to pay for XXXX service. I have told the place of treatment this as well as Green Sky, I am disputing this collection. They are no longer in business for a reason of unsatisfied customers and complaints, which I am one. Please see you can help dispute and resolve this matter. Please take off my credit as it is hurting my score. I make the money but I refuse to pay for service that didnt work and when I tried to reach back they were out of business. Thank you in advance, XXXX XXXX
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the credit fair credit reporting act XXXX Account XXXXCapital One, has violated my rights. 

15 USC 1681 Section 604 States i have the right of privacy.

5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my without my writing instruction.

15 USC1666 : A creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Ever since I contacted Equifax to INQUIRE about any alerts on my credit report, I have been having issues obtaining credit and being prequalified for credit. I called to ask if there was any alerts and the representative added an alert to my file. I immediately told the representative that I Did Not want an alert added, I was just inquiring to see if there was before I applied for a loan. The alert was taken off as soon as I told him to remove it within seconds of placing it on my credit report. After waiting a couple of days per his instructions, I started to apply again for a car loan. I kept getting denied with letters stating due to the alert on file, we were not able to contact you. I called all credit bureaus to make sure that it was taken off my account and they assured me that it was and again, tried to apply for a loan and was getting the same letters. I was told that there was not any numbers added to call me at first. Then, when I called Equifax, they said that I couldnt add a number because technically, they removed the alerts from my report. I tried again and again for months with the same letter stating there was an alert on my credit file. I finally decided to add a initial fraud alert and made sure that my number was correct and added to all the credit bureaus. I begin applying again and I was still getting those same letters. When I call in to fraud departments Im told that there is an extended fraud alert on my account and that there is no number added to my file in order to contact me. I called Equifax multiple times trying to explain to them that it shows my credit file status on their website as Fraud Victim Extended Alert and they continue to tell me that there is no extended fraud alert on my file. I been told by Equifax that another department will work on it and make sure that it is completely removed and a year later, Im still getting the same issues with trying to apply for credit. It still shows the Extended fraud alert on account. I never even mailed in the documents stating that I was a fraud victim, ID, or police report to apply for the Extended Fraud Alert which is their process for adding this type of alert. I dont know how or why this was placed on my acccount but it needs to be removed along with everything on my report immediately because they are reporting false information on my file.
Consumer complaint received 2017-11-22
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: Bread Financial Holdings, Inc. (TX)

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it