davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
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. (CA)

XXXX continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from XXXX documents showing my signature that i authorized to be a joint account holder and received nothing from XXXX. 
Also i have disputed this numerous times with EXPERIAn and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I took a loan out on XX/XX/XXXX for {$1200.00}. Since then I have made 5 payments for the total of {$800.00} in which on XX/XX/XXXX it was confirmed by a rep that I made 5 pymnts. After making a payment as of XX/XX/XXXX my balance is {$1700.00}. When I go online to their website their records only show two payments, therefore I cant not keep track of my payments. Interest, and charge. I also received an email of a new disclosure with percentage changes and apr changes.
Consumer complaint received 2022-03-12
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-24
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. (CA)

Despite four mail certified written requests to Experian credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not  be verified.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I want to dispute a debt that, I just saw on my credit report. The debt is not mines. It is from XXXX XXXX XXXX originally from XXXX dated XX/XX/2017 for the amount of {$860.00}. Please remove it from my credit I do not owe this debt, the debt is not mine. Thank You
Consumer complaint received 2018-10-24
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. (CA)

Despite four mail certified written requests to TransUnion credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of TransUnion investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? TransUnion has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, TransUnion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-05-08
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: The Stark Collection Agency, Inc. (IA)

I am disputing accounts reported by The Starks Collection Agency INC ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to The Stark Collection Agency , Inc . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from The Stark Collection Agency INC that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XX/XX/XXXX. In the letter The Stark Collection Agency , Inc. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Consumer complaint received 2018-10-24
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)

I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX
Consumer complaint received 2017-06-20
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: CITIBANK, N.A. (NV)

On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.
Consumer complaint received 2023-03-19
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. (NC)

In accordance with the Fair Credit Reporting act. The list below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 

15 U.S.C. 1681 Section 602 A States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) States : A consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c Section ( A ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information And other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that they the information is inaccurate.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

The amount of said debt is XXXX, however, several calls and formal letters were submitted back in XXXX, with no following letter and/or correspondences for the dispute. I have no other information, other than the information which is listed on my credit report. I have asked several times for proof of said debt or removal off credit report. National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my wife 's credit card we are being charged a {$38.00} dollar late fee. The supervisor by the name of XXXX refused to give the {$38.00} dollar credit. I then requested a reduction in the APR from 24.65variable. The supervisor stated that this was the best APR! Really? 
Please have an executive of a call center manager review the case and credit the late fee and reduce the APR. We have a combined number of credit cards with Capital one.
Consumer complaint received 2023-03-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 that the information is inaccurate.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I applied for the Chase Freedom Card and Chase Sapphire Preferred Card on XX/XX/2018 and both of them have been approved on XX/XX/2018. However, on XX/XX/2018, someone from Chase called me, said that they could not approve 2 credit cards. The previous approvement was a mistake. So they closed the Chase Sapphire Preferred Card on XX/XX/2018. However, today I checked my credit report, finding that the Chase Sapphire Preferred Card is shown in my credit report and its status is closed. Since I never used this card, and never activated it, I think the Chase Sapphire Preferred Card should not be in my credit report. Today I called Chase 's customer service, and they told me that they could do remove the card from my credit report. I think it is unfair.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.
Consumer complaint received 2017-06-20
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)

XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was going over my credit report and noticed some inaccurate items on my report. Reached out to the bureaus regarding the matter with all the facts and they did absolutely nothing.
Consumer complaint received 2022-03-12
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. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had of funds of {$75.00} on my account I spent only about {$20.00} then I 'm told my account is - {$56.00}, then I had {$1.00} in my savings that was used as Overdraft protection, just so they can charge me an amount of {$35.00} for overdraft fees.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

There are fraudulent charges on my citi/Aadvantage credit card on XX/XX/2018. My card has chip embedded. I also have my wife and son on this card. I had my card in my possession and so did my son. My wife had lost her card. She has filed a police statement with this information. I have procured the fraudulent charges done at Home Depot and given a copy of that to the police. Citi claims the card used for the fraudulent charges has my name on it. Nobody in my family has done these transactions and I did not give my card to anyone. So this is a mystery. The video camera at the point of sale counter should provide a proof of who did the transactions. Also two gift cards of {$2000.00} each were purchased which can be tracked to see who used it. This should absolve me of implied complicity. Instead Citi closed the investigation claiming these are my charges as I had the card in my possession and are now repeatedly making collection calls.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (AE)

I can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX  to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both TransUnion and XXXX  are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XXXX XX/XX/2018. The app says to contact TransUnion or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and TransUnion says they can not confirm my identity. I called TransUnion to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was going over my credit report and noticed some inaccurate items on my report. Reached out to the bureaus regarding the matter with all the facts and they did absolutely nothing.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA) (GA)

On XX/XX/2018, I received a collection notice from professional collections of XXXX, Georgia, for the amount of {$2700.00}. I have asked for a validation letter from them and they have refused to send me one. I have also spoken with the armour landing apartments landlord. She has said numerous times that the debt was to be split between the 3 people on the apartment lease. Professional collections has said that I will have to pay the amount to be collected within 2 months.
Consumer complaint received 2018-10-24
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. (MS)

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX  - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.