davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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: ERC (GA)

XXXX  and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX  was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX  has said the company showed it was mine. I would like to see the proof.
Consumer complaint received 2019-07-30
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. (FL)

I sent a letter to Equifax and XXXX after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my EQUIFAX/XXXXreport. I requested them to remove the inquiries since I did not authorize. 

EQUIFAX REPORT XXXX XXXX-XX/XX/XXXX- I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX REPORT XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX an account was opened that I did not authorize . I do not have a XXXX XXXX  XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX-XX/XX/XXXX
Consumer complaint received 2021-10-29
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: Upgrade, Inc. (TN)

I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit card moved the payment date on my card, which also moved the close date for new purchases so those purchases in the extended window will be due on the new date. This effectively moved a 30 day charge cycle to a 45 day cycle. My usual charge pattern is roughly 4K per month, which I pay in full. This will cause me to owe XXXX on the next payment cycle instead of the usual XXXX, and since many of the charges are automatic, preventing them from being charged to the account in the next 15 days is impossible. 

I would have expected the credit card company has notice periods and opt out to changes in billing cycle, this seems like a trap to distort the monthly expected amount to be paid to some higher amount so the credit card firm can collect interest on an account that it usually does not. Also, had I been given adequate advance notice ( 90 days ), I could have moved charges to manage the impact.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion : Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect on my credit report.
Consumer complaint received 2021-10-29
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 (FL)

Unfortunately I have experienced an issue with a Spirit MasterCard issued by Bank of America ( BOA ). I have documented proof that I believe shows that BOA failed in their due process in adjudicating a dispute on a purchase with a merchant. Specifically BOA refused to act in accordance with the MasterCard chargeback guide requirements around second presentment. The acquirer ( the merchants ) bank responded with a ) a falsehood, b ) without any documentary evidence even though required by aforementioned MasterCard guide, c ) and a statement that had no bearing on the reason for the dispute in contravention of said MasterCard guide. BOA, instead of according my fair and due process as well as explanations for their conduct ( which is not limited to the aforementioned ), has apparently out of XXXX XXXX retaliation, adjudicated the dispute against me with great haste and without any documentation and/or sufficient explanation. MasterCard unfortunately has responded that they are unwilling/unable to assist in this matter. However, When MasterCard becomes aware of apparent violation of its requirements and other misconduct by an issuer I believe it of paramount importance that this is investigated and escalated to protect both MasterCard 's interests ( the brand ) as well as its cardholder 's interests. I believe I am not afforded the responsibility of due care by MasterCard. I am a MasterCard customer.
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (CA)

I placed a complaint to the CFPB regarding Experian and XXXX XXXX on XX/XX/XXXX ( report # XXXX ) and still to date, the complaint is opened because Experian did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Experian responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Experian remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Experian and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Experian has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information. 

XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX  failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed. 

As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX 

I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX. 

My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Consumer complaint received 2021-10-29
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. (GA)

I have sent letters XX/XX/2021 calling equifax, XXXX and XXXX out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach that happened and my information may have gotten in the wrong hands.
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I have sent letters to the credit bureaus about my ARS accounts that do not belong to me and the hospital did not bill the insurance company. These accounts belong to someone else and I have told them several times that I am not responsible for the balance. I have not received the original documents to verify that this account belongs to me.
Consumer complaint received 2021-10-29
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. (GA)

I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from XXXX, XXXX or Transunion. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To whom it may concern : A certified mail debt validation letter for two accounts was delivered to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. PORTFOLIO responded in general statements, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted PORTFOLIO. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (HI)

Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX  in and XXXX XXXX once and for good OFF my record.

Under XXXX there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX  card.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-20
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. (CA)

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Debit card got blocked for suspicious transaction amount XXXX $ that the bank blocked and I had to call to check whats is the problem. 

I called the bank on XXXX XXXX and clearly indicated I don't want this transaction being authorized and asked them to unblock the card, The agent of Bank of America agreed and said she made a note in the system to stop this transaction from being debited then unblocked the card, After few days, on XXXX XXXX, from the card was unblocked I was surprised the bank allowed this transaction to be processed again causing my company loss of XXXX $ followed by XXXX $ apporx for international transaction fees, I called to dispute it but the bank didnt recognize and refused to refund me this amount. 

How come if I rejected this transaction before to be reprocessed if I unblock the card!!! The card should have been covered by insurance against these transactions and should provide immediate refund but unfortunately Bank of America didn't honor this insurance. 

I made a dispute and no response, I made many calls and finally filed a complain and again no feedback for weeks. 
My account number XXXX Name of Account Holder XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX Complain Number XXXX
Consumer complaint received 2021-10-29
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. (TX)

Reason : XXXX and Equifax said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. XXXX failed to verify.