davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (CA)

In accordance with The Fair Credit Reporting Act this list below of accounts have violated my federally protected consumer rights to privacy and confidentiality under the USC 15 1681 section 602 I believe it is. 
It also states that a credit reporting agency can not furnish any report without permissible instruction. 
I have disputed several times with all credit agencys and they rebutted with a denial stating the info was verified however they don't provide me with any proof or reason Mt disparate was denied. Thank you for your assistance with this after. I will list all accounts below that this complaint is referring to. 

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 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX ... XX/XX/XXXX ... I paid several debts that I had including this one Im referring to now ... because from all the others theyve corrected my credit report as paid ... now this was not only do they show that I have not paid they after years of not reporting ( since XX/XX/XXXX ) they have started reporting XXXX & XX/XX/XXXX as FAILED TO PAY ... I have called Experian and them XXXX XXXX several times and thru Experian I have filed 3 Disputes with copy of the letter that I payed ... I PAYED .... they claim that I didnt pay to them ... I paid the company they sold the claim to ... its not my fault that they sold the debt and I came back and paid it ... they have no rights to claim a debt they sold and I paid ... nor do they have the right to tstart reporting after not reporting since XX/XX/XXXX and start reporting what is not true in XXXX and XXXX FAILED TO PAY ... MY SCORE HAD GONE UP SINCE XX/XX/XXXX WHEN I PAID ALL THAT I OWED AND BECAUSE OF THEM START REPORTING AND SHOW ME AS NEGATIVE INSTEAD OF PAID ... THIS IS FRAUD!!!
Consumer complaint received 2019-07-22
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. (GA)

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX asking for proof that this account was late during the months that TransUnion is reporting and they sent a response letter stating that I was NEVER late during the months TRANSUNION is reporting to my credit report. I have attached proof of the verified information from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : N/A Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-07-22
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. (VA)

I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found XXXX XXXX was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the XXXX XXXX and was verified. 

I m requesting a full removal of the account from my credit report.
Consumer complaint received 2023-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Consumer complaint received 2019-07-22
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)

Per the terms of my Bank of America Account. 

HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs Specifically the last sentence stating the payments in excess of your Total Minimum Payment Due will be applied balances with higher APRs before balances with lower APRs. 

The statement before this XX/XX/XXXX - XX/XX/2019, I had a balance of {$1500.00} subject to interest and a minimum payment due of {$210.00} by XX/XX/2019. 

During this current statement of XX/XX/XXXX - XX/XX/2019, I made payments of {$6900.00}. This more than covered my minimum payment due and should have covered the entire balance subject to interest of {$1500.00} and some. However when looking at my statement this month it is still showing a balance subject to interest of {$550.00}. 

How is this possible? I overpaid my account more than {$6000.00} and this should have covered any balance subject to interest. I still have other balances on my account that are not subject to interest at this time. 

Please see attached pictures and statements.
Consumer complaint received 2019-07-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX & my wife XXXX XXXX have a family trust A/C. In response to a Written Offer ( Attachment -1 ) from CapitalOne 360 Money Market A/C, we opened an account with CapitalOne & completed the required money ( $ XXXX or more ) deposit on XX/XX/XXXX. ( Attachment-2 ). 

We have spent several hours talking to this Bank XXXX XXXX ) before & after opening this A/C. Depending on who picks up the phone, we get different & varying answers & it is frustrating in the least. I have complained to them both in phone calls & written notes on their web site but none cares or reads customer complaints. They think they are immune from all U.S laws & they are in some foreign land. We have requested the people including Managers that we need something in WRITING from the Bank that we have met all the requirements of 360 MM A/C & tell us when they will credit this A/C with {$500.00} Bonus. If they don't want to send an e-mail to us at least post that info on our A/C page. They are refusing both. When I wrote to them online, the person who picked up said that we are NOT eligible for {$500.00} since we did not include the Promotion Code ( XXXX ), which info have been provided multiple times to those morons over the phone. The offer expires only on XX/XX/XXXX. 

Today again we called Capital One & after spending lot of time they allowed a Manager to come on line. He confirmed that he can see a NOTE on our A/C that we are eligible for {$500.00} ( this info, the customer service who answers the phone CAN NOT see!!?? ).

We have bitter experience with CapitalOne since they refused to give me {$500.00} after 90 days had passed ( XX/XX/XXXX ) & gave me a consolation bonus of {$50.00} only. This is their dirty game plan. Wait 90 days & then show their crooked, ugly face. This is UNACCEPTABLE. If they don't want to send an e-mail to us at least post that confirmation {$500.00} info on our A/C page. 

We are requesting your office to bring this Bank in line with banking norms. Thank you XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

In XXXX of 2018, a XXXX XXXX payment was sent to Ditech Financial Services to catch up the mortgage on the house I am currently staying in. From that point, the normal monthly payment was sent in XXXX. I called to set up for automatic payments to be set up in order to keep the account current so that there would no longer be a payment issue. When I was on the phone with the customer service representative, they representative informed me that the company denied taking any form of payment and would not work with me on making the account current unless I paid for their lawyer fees. I was then told that my money was sent back to me via XXXX XXXX. The money was never returned to me and I went to seek legal counsel. The lawyer advised me not to pay Ditech Financial any more money due to them refusing any form of payment. I have tried to make the account current and I have also tried to guarantee payment through automatic bill pay. The company has refused to work with me and has now decided to foreclose on my home without trying to work with me.
Consumer complaint received 2021-07-23
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. (OH)

My issue is with XXXX XXXX card services. They have a XXXX XXXX XXXX profile that seems to XXXX the exact situation that they put me in. I opened a credit card and nowhere in the description did it say I wish to be charged a {$99.00} fee. On the website it said things like no fees or no annual fees. But that is not my main issue.

The card arrived and it had an immediate balance due of {$99.00}. Which I did not expect so I called them three days after the card arrived to see what their explanation would be. They stated that I needed to pay the {$99.00} annual fee before they would open a credit line of {$300.00}. I said I did not want to having annual payment credit card and would like to close the account. They stated that the only way to do that without paying the {$99.00} fee is to do it by fax or in writing by mail. Which I think sounds illegal. But if I paid the {$99.00} I could open, then close the account. I did not want this on my credit report so I paid the {$99.00} and told the lady to close the account. After some strong resistance, she finally agreed to close the account. This was in XX/XX/2018. 

After that conversation I cut up the card and threw it in the trash. I never got any more correspondence from them. By e-mail or mail. However in XXXX I start getting calls from a debt collector about XXXX fs card services. The lady did NOT close the account like she agreed. She left it open and not only did they charge me another {$99.00} fee but also XXXX {$41.00} late fees and attached derogatory remarks to my credit report. This has to be illegal. And if you go to the XXXX XXXX XXXX page you will find pages of them promising to close accounts, not closing accounts and then putting collections on people. Do you know what happens if you try to buy a house and you have a collection on your credit report? You pay it. No matter whether you owe it or not. This is clearly credit extortion and these people need to be shut down. I want them to remove the derogatory remarks on my credit report and refund me the {$360.00} they stole from me. Can you guys do anything? I'm surprised this is happening in America
Consumer complaint received 2022-12-16
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2022-10-06
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. (TX)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Late 120 Days XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-10-06
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
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. (TX)

Re : This is not your typical disagreement. Act right away since you are in violation. 
FCRA Sections 616 and 617 : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES Accept my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to reach a settlement without going to court about your continuous violation of the Fair Credit Reporting Act by refusing to remove INCORRECT, UNVERIFIABLE, and INVALID information from my consumer file. If the INACCURATE, UNVERIFIABLE, and INVALIDATE articles described below are not removed right away, I intend to file a lawsuit in accordance with the FCRA to seek relief and recover any financial damages I may be entitled to under Sections 616 and 617. A duplicate of this letter was given to you, along with some inaccurate, mistaken items.
Consumer complaint received 2019-01-26
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: EQUIFAX, INC. (FL)

I was locked up on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (FL)

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXXXXXX XXXX XXXX  : act # XXXX, XXXX XXXX  : act # XXXX XXXX XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXX, XXXX XXXX XXXX  : XXXX # XXXX, XXXX Self-Reported : act # XXXX, XXXX, and XXXXXXXX XXXX  : act # 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 the information is inaccurate.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KS)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MIDLAND CREDIT MANAGEM ( XXXX XXXX XXXX XXXX  ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Also, this account was not stated in the other Bureau. You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Please investigate and remove it from my personal credit file. Thank you.