davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (SC)

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}
Consumer complaint received 2018-11-01
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: CITIBANK, N.A. (IL)

I sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
Consumer complaint received 2022-07-11
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. (SC)

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}
Consumer complaint received 2018-11-02
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 (NJ)

On XX/XX/2018 I made deposits on two crises with my Bank of America credit card XXXX. One deposit for {$350.00} and one deposit for {$900.00}. XXXX XXXX XXXX cancelled the two cruises on XX/XX/2018 but did not refipund the deposits totaling {$950.00}. I have yet to receive word from XXXX XXXX XXXX that it refunded my money!
Consumer complaint received 2023-03-21
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. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-11
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 XXXX XXXX with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I paid the entire amount of my Chase British Airways credit card debt online by selecting the " current balance '' option : {$10000.00}. 

The Due Date was XX/XX/year> Today, XX/XX/year>, there is a new balance of {$56.00} No purchases have been made and nothing was When I called Chase this afternoon to inquire about this charge they said, ... it was interest since my statement. 
They said that interest is separate from the " Current Balance '' owed. 

I asked to speak with a supervisor, and I told him I selected the " current balance '' owed option. And to take off this {$56.00} bogus charge. 

He said no.
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To whom it XXXX concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 


I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2019-05-10
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2018-11-02
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. (MS)

Beginning XX/XX/2018 I begin my dispute process with Experian, XXXX, XXXX  and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by Experian, XXXX, XXXX, XXXX, and XXXX XXXX, they are required under 1681i of  the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Consumer complaint received 2018-11-01
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. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

I paid a workers compensation bill for {$50.00} that went to Collections even though it was an accepted workers compensation claim from XXXX XXXX XXXX. However even after paying it over a month ago, I continue to receive threatening notices from the collections agency.
Consumer complaint received 2022-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-05
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. (TX)

There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the three credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I am not aware of this account I have never opened up anything in my name and I dont know what the charges are for I have never applied for anything back in 2014 and at that time I was XXXX so I dont know why I am being charged something that is hurting my credit I am just now trying to get my life set up and I come to find out that I have been falsely charged for something that was unaware to me I was a minor in 2014 so any charges against me should be taken off.
Consumer complaint received 2018-11-01
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. 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 2018-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (ND)

Myself, my wife, my wife 's father, my brother all received a call on the same day and multiple times from XXXX XXXX regarding a debt owed by a distant family member. We do not have any relationship with XXXX XXXX and we did not give written consent for them to contact our numbers.
Consumer complaint received 2018-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for my writing Is that Capital one is being unreasonable. I had a XXXX on XX/XX/2017. This XXXX incapacitated me for a whole month while recovering to my normal state, as a result, I fell behind on that month, monthly payment. I took the liberty to write to capital one to inform them of my medical condition. They requested that I send them proof of my hospitalization which I did attach a medical certificate as proof and my bank statements ending XX/XX/2017, which shows a balance of {$1500.00} in my bank account showing I had enough money on my accounts to make the {$27.00} payment which was past due were it not for the medical condition. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment. But to my surprise, Capital one refused to remove the late payment history of the time I was down due to the medical condition which was 100 % not my intention or doing to be late. I have always had a good reputation with this company, I have attached the letters I sent to capital one for review.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Dear Sir/ Madam, Experian claimed that they do investigations and it takes time to respond, I have sent a complaint against Experian on the XX/XX/XXXX they responded the very same day, this is how they investigate, they just copy and paste the same answer over and over and disregard the damage that they have caused to my credit report. Therefore, I will be submitting a complaint to the State Attorney General and to the Better Business Bureau and to the FTC, at the meantime. My Personal Attorney is preparing a Big Lawsuit against Experian for all the damages and losses that they caused to me and my family of keeping a public record on my report that does n't belong. They will pay all the losses of thousands of dollars to me. I have read and understood the entire law of the FTC very clearly, Experian has violated the verification law and was very contradicting, I have saved all letters, emails, responses that I have received from this frivolous Bureau that do n't seem to have any regards towards consumers, I will also publish my complaints to the local and national newspapers against Experian and let people know what an abortion system Experian has. Verification according to XXXX XXXX Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have first hand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does XXXX XXXX, the main public records source for the credit bureaus. If someone verifies but they do n't have first hand knowledge, then its not verification. I think it 's for Experian better interest at this time to delete all info and send letters of apologies before they get hit with unexpected consequences that could harm their reputation forever.
Consumer complaint received 2019-01-10
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

I'm very scare that someone, use my personal information and report and credit bureau. Identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Please find out whos using my personal information and I had a bad credit history on my credit history now. please help me.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WY)

XXXX XXXX XXXX XXXX XXXX has received 2 requests from myself asking for proof of the disputed debt as well as proof they are licensed to collect debts in my State. Each letter is responded to with one saying Your dispute is rejected. They have never shown proof of debt or even that they have a legal right to try to collect this since I believe they are not licensed to collect in the State I live in. I can not deny or accept the debt without proof from the original creditor and they have outright refused to provide that.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.