davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (SC)

Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NC)

On XX/XX/2021 Citi lowered my credit limit on my card ( XXXX ) claiming that I had missed payments on my card. I called and opened a dispute as this is not the case. I have all my credit cards on auto payment and have not missed a payment, made any late payments or gone over any on my card limits in more than 7 years. 
What Citi did is the lowest of the low. My mother died on XX/XX/XXXX and they were paid in full an on time. I was diagnosed on with XXXX 2 weeks later and still paid my card on time and in full. I even paid my balance down {$2000.00} so my family had emergency funds in case anything happened while I was in the hospital during surgery. 
Citi then lowered the limit on my card to match my remaining balance and then claimed the credit to debt ratio was too high. What they forget to tell everyone is they MADE is that ration high with their dishonest and deceptive credit practices and the time of need.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to you regarding fraudulent information listed on my credit report under the account name " XXXX '' and account number " XXXX ''. Upon reviewing my credit report, I discovered that there is an account associated with someone named XXXX XXXX, whom I have no affiliation with or knowledge of. This erroneous information is severely affecting my ability to secure housing and obtain other financial opportunities. 

I demand that you take immediate action to remove this fraudulent account from my credit report. It is imperative that you rectify this situation promptly to prevent further damage to my financial standing. I have attached relevant documentation proving my identity and highlighting the discrepancy in the information provided. 

Furthermore, I would like to emphasize the urgency of this matter as it is directly impacting my ability to pursue my financial goals, particularly in securing housing. Therefore, I am setting a deadline of 14 days from the date of this letter for the removal of the fraudulent account from my credit report. Failure to comply with this timeline will result in me taking legal action against the credit bureaus for their failure to address this issue in a timely manner. 

Please be advised that I will hold you liable for any fees incurred as a result of seeking legal counsel and pursuing legal action. I expect a swift resolution to this matter and request confirmation of the removal of the fraudulent account from my credit report within 14 days of receipt of this letter. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX  XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2021-03-09
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. (CA)

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXXXXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX XXXXXXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXXXXXX 's refusal to release me from the fraudulent debt.
Consumer complaint received 2022-12-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2021-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

I contacted Capital Accounts as it related to a negative mark on my XXXX profile, that I believe to be incorrect. I spoke to a representative who advised me of a debt that I owed and once paid, that it will be removed from its repository deleting it from my XXXX  account. The debt amount reporting on my XXXX  account is {$880.00}. It is not reporting on any other bureaus. I asked the representative to send me a contract with my signature to verify me as the owner of this account, she did not. I was sent a statement with an address that does not belong to me and a debt totaling {$660.00}. I believe this information to be false, inconsistent and incorrect and I would like it deleted from my account immediately. The negative entry still reflects on my credit profile. 

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have not received anything prior to this and I have not done business with the company. I don't know how they can just place a collection on my credit reports without ever notifying me before doing so. There many legal violations in regards to this and I will be seeking compensation!
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (OK)

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 XXXX XXXX XXXX XXXXXXXX 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 vears.

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 2022-12-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESSXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties. 

Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Equifax Credit Bureau. Issue has been going on since XX/XX/2022. After a system wide error. My report went XXXX reporting everytime I log in to view my report. This issue is keeping me from obtaining credit with any institution that pulls Equifax. I have submitted multiple request to fix the issue. All call are routed to overseas. Only resolution is to get a report in the mail. I have over 830+ credit score and have been prohibited from obtaining credit because of this issue. I am demanding Equifax to fix their internal issues with my account so that it can reflex my actual information.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information.

Letter uploaded.

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.
Consumer complaint received 2023-07-04
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

Company refused to remove an alleged account for XXXX aparmtnets. They could not vailidate the debt by providing a contract with my signature according to FCRA guidelines. Because of their refusal to remove the unvalidated account, I agreed to pay the amount in return for deletion. The company took my payment and refused to remove the unvalidated account. Their customer service representatives and managers have been rude and not helpful during this entire process.
Consumer complaint received 2021-03-09
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)

I booked a Tap PXXXX flight from XXXX to XXXX on XX/XX/XXXX, later in XXXX the COVID19 pandemic hit and international travel was outlawed by the US. I reached out to XXXX XXXX to receive a refund for my XX/XX/XXXX flight because the travel ban was extended to that point. XXXX XXXXXXXX refused to provide a refund, credit, or any resolution so I then went to my Capital One Credit card dispute team. 

I shared with Capital One all of the documentation stating it was illegal to fly out of the country and that I provided the airline more than 3 months notice that I will be unable to make my trip. Capital One somehow lost the dispute and then inaccurately provided a double credit. 

I have reopened the dispute many times since XXXX and was promised on a recorded line in XX/XX/XXXX that both charges of {$950.00} would be permanent. Over 90 days then went by and out of nowhere the both {$950.00} charges appeared on my account and I was expected to pay within the next 30 days. I called and requested the voice recording be pulled and reviewed and capital one has failed to sufficiently complete that process. I even offered to review the recordings myself but Capital One has claimed the call is their IP dispute not being able to provide any documentation that proves this. 

Capital One is an absolute disgrace and is committing fraud against me and I need help to resolve the issue.
Consumer complaint received 2019-05-03
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: MOHELA (CA)

I contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/24 I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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. (IL)

I have reached out to XXXX XXXX XXXX  several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.
Consumer complaint received 2021-03-09
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: JPMORGAN CHASE & CO. (TX)

I redisputed a Chase transaction for the amount of {$8400.00} to pay for University tuition. However I had paid through by other means on my Texas XXXX XXXX Tuition Plan. However the first dispute has been ruled as valid. I reopened the case to redispute the {$8400.00} charge on XX/XX/2021 and by XX/XX/2021 they had sent me a letter to my account stating that the dispute had been permanently resolved in my favor, and that I was going to be credited back the {$8400.00} that had been charged on the Chase credit card. However they are not sending me the credit back despite stating through written from that they have permanently resolved this dispute in my favor.
Consumer complaint received 2022-12-15
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information.

Letter uploaded.

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, in fact exists