davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I currently have two credit cards with capital one, I'm monitoring my credit reports and noticed that capital one is failing to report one of my credit cards to XXXX. Capital one is reporting both cards to XXXX and XXXX, but my XXXX  report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Perfection Collection (MD)

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date Perfection collection has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, perfection collection continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX   XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party  collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XX/XX/XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Consumer complaint received 2023-07-05
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a right to my 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 2019-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2019 chase did an unauthorized debit in the amount of {$3400.00} from my college tuition account at the time my account number was XXXX i have since change my account number, i have sent a notarized letter to the complaint dept of chase and i have visited the branched and spoke to a branch manager and was told that i would get a response as to how and why did they take it upon themselves to just take money out of my account. 
At no time did i ever authorized them to debt my account. 
I'm requesting the charge be refunded to my account immediately it has been over 2 months of me calling trying to rectify this and they are just ignoring me. my next step is to take this situation to litigation if they will not return my money to me so i can pay my college loans.
Consumer complaint received 2019-04-14
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. (OK)

On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

The corporation continues to practice securities fraud as they have not returned any of my monthly dividends to me and they are also committing tax invasion by not paying the taxes on the funds they are receiving. The trustees, indenture trustees, CFO, CEO, parent company, and its affiliates are committing organized crimes ( RICO ) by knowingly committing the previously mentioned offenses.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Consumer complaint received 2019-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NJ)

I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANS UNION CONSUMER SOLUTIONS On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX XXXX. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
TRANS UNION. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
TRANS UNION. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX  directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2023-07-05
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. 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 2023-07-05
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
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. (NY)

XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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 2021-06-10
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. (FL)

I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence.

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.
Consumer complaint received 2024-02-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with Bank of America telling them that there was money stolen from me from my ex. I told them that I had known out of the car being activated and I didn't. I didn't receive the card. They deny my claim saying that the card was sent to my address and activated with my information. I don't deny this but I deny that it was me who did it. I think the police reports in the statement explaining to them that I was going through a XXXX XXXXXXXX relationship from the person I was with for 5 years and found out that he had been stealing from me the whole time and that he is the one who intercepted the card and activated it with my information and spend it. They denied it. I had a reconsidered this time I send policy supports and it's everyone mistake man telling them that here 's my proof of what I'm saying. They denied it again with the same reason because of his activated and came to my address that it had to be me or I had to have gave someone permission to do it and both of those are not true. So I'm trying to get help with it because that I had to reconsider for the third time but it let me to believe that when I sent the information in for the reconsideration that it was overlooked or not looked at because you denied it for the same exact reason. I sent you proof and telling you why it seems that what I did it but I don't think that might statement was red or my police reports were considered because how could you get that if I'm telling you that the guy iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here cost to proof I had to messed up all this issues and may police reports about loss of property fraud things that he were stealing from me when I found out about that the stuff. So how could you not take that into consideration when I'm showing you a black and white? Here 's the proof of it. I also have two different protective orders from two different cities from two different judges for the same person I sent copies. One is from XXXX XXXX. The other is from XXXX XXXX XXXX. They were giving on the XX/XX/XXXX and XX/XX/XXXX of this year. Stating that they feel I need protection from him. Same person. Two different cities. Two different judges. Same outcome.
Consumer complaint received 2019-01-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

The company, Midland credit management is reporting negative to all three credit bureaus as reporting is a negative item I have written to them several times, asking them to provide verification. Ive written to all three credit agencies asking for written verification, and no one has responded. Its been 110 % complete neglect. This debt is not tied to anything existing on my credit and needs to be removed. Its currently being reported on XXXX XXXX will not respond and Midland credit management will not respond but its showing as a negative I want to escalate this item and I want to removed asap
Consumer complaint received 2019-04-15
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. (OH)

Transunion did not address the full issue. I did not ask if the account was sold to XXXX XXXX! I stated that XXXX XXXX accounts do not belong to me. I found out that the account belongs to someone else that has a different address. XXXX XXXX have demographic information on the erroneous accounts that do not belong to me. Please verify the name of the person who transunion spoke with at XXXX XXXX that verified this account belong to me, please provide a copy of the original contract from redrock showing that i have a legally binding contractual contractual obligation to pay them the exact amount with my signature, the description of the procedure used to determine the accuracy and completeness of the information, name, address and phone number of the person that was contacted regarding this alleged account. By law when disputing an account it should not be showing on my credit reports. reinvestigate these account thoroughly!
Consumer complaint received 2019-04-15
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: WELLS FARGO & COMPANY (FL)

after carefully reviewing my credit report and Wells Fargo Card Services has not updated the credit account to included in bankruptcy with a XXXX balance. Per the FCRA if an account is listed on an active bankruptcy then the creditor needs to update the account as included in bankruptcy with a XXXX balance and/or list is as closed and remove the account from the credit bureaus.
Consumer complaint received 2019-04-15
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)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The XXXX XXXX was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX pickup and a XXXX XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs. 
2. The box truck was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.