davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2019, I submitted a travel notification with Suntrust for my debit card. I was informed that my debit card would be charged {$5.00} for ATM withdrawals. I proceeded to also use my debit card for most payments while abroad. I made a purchase of XXXX USD and the charge on my card was XXXX USD. I thought my hostel overcharged me, but they showed me that they charged the right amount. I closely followed my other debit card purchases and observed that Suntrust was adding an international charge to every purchase I made abroad. I messaged and called Suntrust explaining that their charges were not transparent and I was not informed that there would be a charge for using my debit card abroad. Another student on the research trip had a similar issue with their bank ( XXXX ), and their bank refunded their international fees. Suntrust 's customer service was unsure what could be done and I was not refunded the fees after reaching out via message and phone call.
Consumer complaint received 2022-05-17
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. (CA)

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # 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 an account without my written instructions.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, After months of trying to get these inaccuracies fixed on my credit report. Dates are incorrect and other issues as well. I have disputed now, i'm fed up with the lack of response from the credit bureaus. This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO AN ACCOUNT THAT DOES NOT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-03-21
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: JPMORGAN CHASE & CO. (CA)

In my XX/XX/XXXX Chase XXXX XXXX Credit Card account statement, there was an enormous charge made on : XX/XX/XXXX at XXXX * XXXX XXXX XXXX XXXX for the amount of {$2100.00}. 
It appears like the transaction is for something that was purchased in Hawaii but I am based in California. 

We tried to contact Chase several times throughout XXXX, XXXX, and XXXX, but every time we contacted Chase, they said they would look into it and get back to us. The truth is, they never did and there was no refund or resolution on the issue. 

As a result, we are contacting the Consumer Financial Protection Bureau today on XX/XX/XXXX, nearly eight months since someone had fraudulently used our credit card for this purchase. Currently, we have paid off the amount because Chase has threatened us that if we do not pay this amount, our account will incur late fees and additional charges.
Consumer complaint received 2022-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/21 I received a quote for a 8 ' container from XXXX  to be delivered to my sons XXXX  home on XX/XX/21, picked up when loaded & delivered to his XXXX  home, no one need be there for delivery or pickup of the container. I received a order confirmation for a 8 ' pod for {$1900.00} total. On XX/XX/21 a 16 ' pod was delivered to my sons home. this was either a mistake by the company or a bait & switch. I rececived a change order confirmation stating that the 8 ' container was cancelled & the 16 ' container was delivered on XX/XX/21 two days after it was left in my sons driveway. When I became aware of this around XX/XX/21 I called XXXX  to complain & was told a person with authority would get back to me, they did not. I made 3 more calls to XXXX beforeXXXX & got the same response & no call back. I called Capital One XXXX, the credit card I'd given to XXXX  & told them what happen & asked to put a hold on all charges from XXXX, that I was going thru a very stressful time & would clear things up when I got back to my XXXX  home. We have been through 5 monthly statements to date. I have mailed, faxed & emailed the quote, order confirmation & change order confirmation to Capital One during this time & explained countless times over hours of phone calls explaining this was the only documentation I have. Since I was in CT & paying my XXXX & XXXX Capital One bill by phone I wasn't sure what was going on, When I got home & collected my mail I saw each statement showing that Capital One didn't put a hold on all charges from XXXX  & generally messed up the dispute process bringing us to where we are today. Since we did have the pod more then 30 days I would owe PODS {$250.00} more for a total of {$2100.00} tax included ( XXXX CT tax ) to this point on 4 monthly statements starting with XXXX XXXX I have paid {$2100.00} so I should only owe {$56.00} that is why I've added & subtracted the POD credit & charge from from the XX/XX/XXXX statement since it is more then time to get the billing straight. PODS should honor the original order pricing & stop pretending that I in anyway authorized a change. XXXX XXXX -- XXXX XXXX XXXX XXXX -- XXXX, FL -- XXXX -- XXXX XXXX
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.
Consumer complaint received 2022-05-17
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. (CA)

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # 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 an account without my written instructions.
Consumer complaint received 2022-03-24
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)

On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX. TransUnion is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.
Consumer complaint received 2022-10-26
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX OF XXXX {$13000.00}. 

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2022-03-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

After being approved for a car loan of about {$19000.00}, we purchased a car. We owned it for more than a month before the bank called and said our loan had simply been cancelled. They claimed the funding account didn't exist. However, the bank giving us the loan is also the one I bank with- they have access to the account that would be funding the loan. During our application, we had picked the account from a dropdown menu that only listed my two accounts, checking and savings. It was not possible to have added another account. It appears as though a problem on the bank 's side led to the wrong account being listed, as there was no way for me to list the non-existent account. 

The representative who explained the situation was polite, and she was totally flabbergasted as well as to how an account that wasn't mine was selected. I was put on hold to speak to their executive resolution team, and after 15 minutes of waiting, I was hung up on.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2017-08-23
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)

Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
Consumer complaint received 2021-10-27
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. (PA)

XXXX XXXX XXXX, I had a loan which is {$28000.00} opened XX/XX/XXXX and was paid in full without missing a payment. the company XXXX XXXX XXXX XXXX closed the account after it was paid in full on XX/XX/XXXX. 

The reason I'm writing to you is in fact is the way this credit reporting agency reported on my score. Dropping my score 58 points when account was PAID IN FULL. please help me and see what you can do. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs Marcus emailed a promotion that if I deposited X amount of money I would get the bonus after maintaining the account balance for a certain number of months. I called a representative to confirm that it was okay since I had a transfer out the same day. 

The representative said yes they would honor the agreement. 

After maintaining the balance, I did not see the promotional amount reflected. So I called them, turns out they won't honor the agreement now because it doesn't count due to the transfer out, even though I confirmed months before that they would honor the agreement. 

This is a deceptive trade practice and I will be filing with the FTC if it isn't resolved.
Consumer complaint received 2022-03-24
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. (CA)

Few months ago I received a call from XXXX  XXXX about a transaction taking place at XXXX XXXX XXXX XXXX  and XXXX, I did not approve the charges once I was at work. So XXXX XXXX cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXX XXXX XXXX  that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.