davidheineman/consumer-finance-complaints-large huggingface dataset:
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 status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2022 The CRA in question sent a letter with a confirmation number [ XXXX ]. The Letter stated the result of the reinvestigation into an inaccurate account is not currently reporting on the Equifax credit file. When indeed it still appears on my consumer report. According to 15 U.S. Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

It is the CRA sole responsibility to make sure all information furnished is in accordance with the governed guidelines.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (OR)

On Monday ( XX/XX/XXXX ' 2022 ), I lost {$4000.00} due to Scam, the scamster called my Wife as immigration Officer and threatened to arrest us if we didn't pay him the pre-bail amount. 

As my Wife has a Joint account, she got duped and withdrew Cash from Checkign Account at FirstTech XXXX XXXX, and Gave it to Scamster in Gift Cards. 

I immediately Made the Police Complaint at Washington Sheriff Office and Filed a complaint on FTC, same day. 
I also made a complaint with the Bank XXXX FirstTech Credit Union Bank, XXXX, OR ) on same Day and following day, i went to bank in-person and again followed up with the complaint, the Bank Manager told me, they can not Refund my Money, as it is a cash withdrawal. 

Can you plz let me know, what are my options here?
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting and XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I disputed the accuracy of an account reporting on Experian Consumer Report beginning XX/XX/2020 until present and Experian will not update or remove the inaccurate information which is causing me unnecessary financial hardships by the way of higher interest rates. I have called and submitted proof that what Experian is reporting is inaccurate with no positive results or removal from my consumer report.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case XXXX inquiries to XXXX, XXXX to XXXX and XXXX to Transunion. All done the same date.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

When I received my XX/XX/XXXX statement from Comenity Capital Bank I was charged a late payment charge of {$27.00} and Interest of {$53.00}. They said they received the Full Payment of the Statement Balance 1 day late. I asked them to send a copy of the envelope with the date stamped received. They said they do not save them. I said how do I know it was late then. They said to take their word. I told them I wanted these charge removed. In the last 16 months, they posted my payents an average of 3 days early. Please see attached worksheet. On XX/XX/XXXX, they sent me a letter saying they were waiving the late fee, no mention of interest. I called them XX/XX/XXXX to cancel my account.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a store credit card but I've not been satisfied with it since it was opened. I have complained numerous times but the company has done nothing. My issues are : 1. 30 % off first purchase ( didn't receive had to complain to customer service ) 2. {$5.00} anniversary gift card tried to use but website wouldn't allow ( never able to use card ) 3. {$5.00} off when make an online purchase promotion I made a purchase ( never received discount ) 4. made a purchase was supposed to hold for 5 days held for 2 days returned to stock cancelled order even after I called the store & informed I would be there next day to pick up I'm currently locked out of my account can't make a payment or use card. I went into local store customer service 800 number verified me as card holder & showed proper id store clerk refused to assist me said I wasn't rightful card holder. About the {$5.00} promo when making online purchase I asked the store clerk she said there was no such promotion even after I showed her on my phone & her co-worker corrected her & said there was such a promotion. She was very rude & it left me steamed.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Consumer complaint received 2022-03-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B
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 — Information belongs to someone else
Company: Ability Recovery Services, LLC (NY)

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CO)

I reached out to XXXX/COMENITY/VICTORIA in regards to missed payments from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX till XX/XX/XXXX at the time I was confused due to a representative telling me my account was paid in full on XX/XX/XXXX upon speaking with a representative in XX/XX/XXXX I paid my account in full I was told my missed payments would be removed because of the fact that I never had access to my online account I never even got a card and the representative in XXXX told me my account was paid in full. When I noticed the payments still hadnt been updated as agreed upon I reach back out to the company letting them know I would reach out the https : XXXX in regards to starting a complaint my account was shut down. In XX/XX/XXXX this is the second time the company shut down the account with no warning and perfect XXXX history the first time was in XXXX and I had to call multiple times to get my account information reported accurately
Consumer complaint received 2017-08-22
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. (GA)

I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

In accordance with Fair Credit Reporting Act Target XXXX Card XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
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 have been disputing information showing on my consumer reports with Experian, for multiple years that should not be on my consumer report. There are are multiple accounts, addresses, inquiries, phone numbers, and late payments showing in my consumer report that have been severely been negatively harming my family and myself for years, causing me emotional, XXXX  and financial anguish. I've been a victim of Identity theft for multiple years and Experian, XXXX and XXXX have been aware of this. I was even informed by Experian that another person has been using my social security number for multiple years. I've disputed these items in my consumer report multiple times via telephone, online and via mail in which I've sent certified mail with return receipts. Experian has violated many of my rights pursuant to the FCRA.

Pursuant to 15 USC 1681 ( a ) ( 4 ) - You did not exercise your grave responsibility with fairness, and impartiality. You also infringed upon my right to privacy. The proof of this, is that you furnished multiple accounts & transactions in which you can not even prove took place, and never consulted with me to obtain proof that these transactions took place at all. You then solicited and advertised these transactions for anyone to see! This is irresponsible, unfair, impartial and a major infringement upon my right to privacy.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report XXXX XXXX form and NO SUCCESS. 
"
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.
Consumer complaint received 2022-05-16
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. (IL)

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against TransUnion for their interim response provided on todayXX/XX/, to existing complaint # XXXX. TransUnion 's response is as follows ; COMPANY 'S INTERIM RESPONSE 'We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request ''. 
That response is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ) which states, In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am aware that TransUnion has a total of 30 days, starting on XX/XX/2022, not 60 days as stated in their response, to by Federal Law to complete a full, proper and accurate re investigation to this original dispute. Or delete item from my consumer file.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, when I checked my credit report, I found that my SSN was stolen on the dark web on XX/XX/2022. The data user registered on it was my name, but the telephone, driver 's license and location were not my information. The registration number is XXXX, the last four digits of the driver 's license are XXXX, and the location is ca XXXX. So, I think my ssn was leaked.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX Assistance XXXX XXXX XXXX XXXX, XXXX  XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report XXXX XXXX form and NO SUCCESS. 
"
Consumer complaint received 2022-10-13
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I disputed a transaction on my credit card that I did not make. It was a charge of {$150.00} for the merchant, XXXX XXXX. My bank, USAA, originally refunded the money while they did their investigation into the purchase. They got back to me on XX/XX/XXXX stating that they were not going to refund my money and I was responsible for the charge of {$150.00}, so they reversed the charge on my account. 
I have contacted them on multiple occasions regarding this issue just to receive the same letter over and over stating that Im responsible for the charges. 
I contacted the merchant as well as XXXX and both of them sent me proof that my money had been refunded ( see attached documents ). I sent these documents to my bank, but it was to no avail. They sent me the same document stating I am responsible for the charges. My last letter to them was sent on XX/XX/XXXX to which they have not replied. The last letter I received from them was XX/XX/XXXX where they sent the exact same letter as before ( Im responsible for the payments ). They never addressed the evidence I sent them proving that the merchant and XXXX have refunded my money.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Opened XXXX children saving accounts at same time when it was suntrust no problems when it became truist and I try to access the 5 accounts on line can't see 2 of them called truist 4 times and everything I have to wait an hour to talk to some one and when some one comes on they tell me 2 of the accounts are restricted but no one can tell me why or who done this. Even been to 2 different branches and get told restricted but don't know who or why and can unrestrict them. Only way I can get balance is driving or calling branch. If accounts get hacked won't know until I go to bank or call them. This problem has been going on for a month.
Consumer complaint received 2023-07-18
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. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 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 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 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 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 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

I applied for a credit line increase with my existing United Chase credit card. I was denied an increase because of failure to pay past debt with Chase from XX/XX/2008. That is perfectly understandable, but that information was not obtained from my credit report it came from WITHIN Chase. Reason is that it DOES NOT exist on any of the three credit reports. With that said I understood from when I asked for the increase that a inquiry by Chase in to my credit report was granted by me when asking for the credit line increase. But what I feel is completely wrong is that they took two credit reports one from XXXX and on from XXXX. Needless to say they needed NEITHER report because they based their decision by the information Chase had with in house from me having past debt with them. I am not complaining that I was turned down for an increase nor am I complaining there was a credit report taken. I understand the process. What I am upset about is that they took two reports one from two different companies. I asked them to withdraw just one of  them and all I got was double talk that they are ONLY CONSIDERED one report.