davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (FL)

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

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

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-10
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. (TX)

I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance Original Creditor : XXXX XXXX Texas XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2022-10-10
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00}
Consumer complaint received 2022-02-26
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. (MD)

Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor. 
I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy
Consumer complaint received 2019-07-31
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. (TN)

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2021-06-13
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. (GA)

My dispute was received by all three credit bureaus ( XXXX, Transunion, and XXXX  ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2022 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act XXXX XXXX ; XXXX XXXXXXXX ; 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Had notified the company of a hardship that occurred which was an unknown separation XXXX of employment from an immediate death in the family. My credit card was supposed to have a temporary hold processed which was never done. Not long after my credit card account was closed and put into collections. I was offered no assistance to resolve the account before it was closed and put into a collection. This situation occurred between 5 and 7 years ago.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a car loan with Huntington Bank. They make the process of setting up auto draft incredibly difficult. This is obviously in effort to collect more late fees. They would not let me setup auto draft online or over the phone. I made an error in entering my checking account number when doing the physical paperwork. Rather than calling, emailing, or even mailing me a notification they just let my payment be late and charged a fee. After several phone calls and trying to get auto draft setup, it still is not setup. Theres alway a technicality in why I cant setup autopay. Now, I paid my balance on XX/XX/XXXX Im full. My payment is due today ( XX/XX/XXXX ) and there is another late fee for no reason at all. The late fee stops me from setting up auto draft. Most importantly, there should not be a late fee. My payment is not late. Now I have to call the bank again to get the late fee remove. The lack of options for making online or recurring payments is unacceptable with technology today. Activity on the monthly statement does not match the activity on my account history on the mobile app. Huntington Bank is deliberately making this difficult in order to extract unjustified late fees from consumers.
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of XXXX. I disputed these items with the three major credit bureaus : XXXX, Transunion and XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX IXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XXXX XXXXXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Consumer complaint received 2019-07-31
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 (IL)

Claim ID - XXXX Claim AmounXXXX - {$42.00} I bought a new denim jeans from XXXX. Wore it twice and washed it once after which it changed the dimensions and became loose. The only reason this would have happened would be due to the quality of fabric used for the production of the jeans. And this is why I reached out to the merchant. As mentioned in the documentation to bank of america, I opened a case with the merchant to take back the item, after which they only asked for photos of the product and few questions. After few days, without providing any justification, the merchant denied the claim with a pretty vague statement that I have already shared with bank of america. I then went ahead and filed a dispute via bank of america and provided all required information for the process of my claim. The bank took a long time to determine that they will deny the claim, once again providing no clarity with regards to the issue raised in the claim - " We're unable to dispute merchandise that has been altered. To dispute your inquiry further, the item ( s )  needed to be returned to the merchant in the same condition it was received. '' This doesn't makes any sense as I have not altered the jeans in any way and as explained in my documentation to the bank, the merchant isn't willing to take the item back. First of all, the merchant is bound to provide quality clothing. I did follow the wash instructions and was not at any fault. I filed the claim directly with the merchant within few days and within their 30 day return time frame. The very least that the merchant could have done is to take the item back, which they never agreed to, and should have investigated the claim using their quality control department. Denying the claim simply on the basis of photographs is absolutely not fair in my opinion. On top of that, the basis on which the bank decided to give the merchant benefit of doubt is beyond my understanding. I would like to use this medium to have someone from the bank to reconsider the claim and investigate with fair rules.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is regarding the Bank of America 'AAA ' credit card and policy. I made my payment IN FULL to BofA, so as to avoid interest charges. I try to pay all my cards in full to avoid paying interest. To my surprise, I noticed BofA sent me a statement, for interest due. I called to find out why since I was not late and I paid the balance in full. 

Representative told me, it was their policy to charge for daily interest - during the month that I am holding the bill, so even if I paid the balance in full, and it shows interest and balance amount being paid in full, that does not pay the " hidden '' interest which has been accruing since the bill was mailed out. This is deceptive, and completely different than any other credit card I have ever had in my 30+ years of adulthood. 

Example : XXXX statement, covers XX/XX/XXXX-XX/XX/XXXX. Assumed mailed out XX/XX/XXXX, due XX/XX/XXXX. for full balance due {$1600.00}, including interest charges for XX/XX/XXXX-XX/XX/XXXX. 

If I pay bill by XX/XX/XXXX ( due date ) in full for {$1600.00}, BofA is still accruing interest from XX/XX/XXXX thru XX/XX/XXXX. This interest is " hidden '' and not shown anywhere except on BofA computers. 

Next month, BofA sends a new statement for this " hidden '' daily interest from XX/XX/XXXX thru XX/XX/XXXX, now due XX/XX/XXXX. Even though the balance was paid in full. 

I explained that it will always be impossible to pay the balance in full and avoid interest, unless I call and ask what the " hidden interest '' for the previous 25-30 days was. Rep said the best way is to simply pay the balance in full every  month. Of course that would be best, but on occasion we have to float a balance. When I do, I do expect to be charged interest for holding that debt for another 30 days. But, next month when I pay the new balance in full, I should expect my balance to be XXXX ( just like with all other cards ). But it won't she said, because of the daily interest continuing to accrue while I am holding the statement before the due date. This is not fair, and how can consumers keep track and avoid paying exorbitant interest to banks with these policies? I told her that this is completely different than all my other cards, but she did not seem bothered by that fact. 

I want BofA to change their credit card policy to be more in line with all the other credit banks, and honor a XX/XX/XXXX balance when its paid in full, and not surprise consumers with another interest bill for the hidden interest during the past 30 days. 

I am sure BofA will say, their policy was disclosed to consumers like myself, and I knew what I was getting into. This is usurious and deceptive, because all banks know during the time of gaining credit, this sort of small print goes unnoticed. Especially when consumers are used to banks doing credit business a certain way. This was definitely a new gimmick to me, and I have to believe other consumers have been deceived just as well.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have sent several letters to Experian over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Consumer complaint received 2021-06-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to buy out my car at the end of the lease with a bank check in hand. Upon entering they immediately took my keys, and charged me {$100.00} on my credit card for " starting the application process ''. Despite what they repeatedly swore to me on the phone prior to my arriving, they surprised me with a XXXX XXXX DOLLAR additional charge to allow me to buy the car ( on top of all the usual fees, and the actual book value of the car ). They made up various lies about why this is the case, and got enraged at me when I tried to tell them they were scamming me. They then held my keys and the {$100.00} refund to hold me hostage for TWO HOURS while they sent person after person to try to convince me why the XXXX XXXX dollar fee was acceptable. They finally refunded me and gave me back my keys, and I left, and bought the car at another dealership for no such fee, of course. The people who work there are scammers, liars, and cheaters. It's disgusting that they are allowed to conduct business this way.