davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This is another complaint regarding Capital One. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at Capital one & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at Capital One, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with XXXX XXXX now known as XXXX XXXX XXXX  and they are no longer handling my account due to the inaccurate information that was provided to them by Capital One due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
Consumer complaint received 2022-07-25
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-09-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I spoke with transunion on XX/XX/2018 and told them I was a victim of the service error where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. The representative told me that I was not a victim and I stated I was. Transunion refused to remove those inquiries. 
A list of all the inquiries that need to be removed have been uploaded.
Consumer complaint received 2018-09-02
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. (CA)

After several attempts to contact XXXXXXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all XXXX credit reporting bureaus. The amounts from XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXXXXXX XXXXk and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
Consumer complaint received 2022-07-10
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 (IN)

I purchased a purse and wallet for {$140.00} on XX/XX/2022. These items were to be mailed to me in 10 to 25 days. I never received these items. On XX/XX/2022, I contacted capital one by phone and was put on hold for a long period of time and never got to talk to anyone because I got disconnected 3 times. Then I went to my account on my computer and disputed the charge of {$140.00} that was charged to my capital one credit card. I never received this product and I have reported this company to the XXXX XXXX XXXX, but I would like my money back that was charged to my credit card asap. Since it is over 30 days, I can not dispute the charge anymore, so I am unsure what to do to get my money back.
Consumer complaint received 2022-07-25
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)

ACCOUNT : XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX account number : XXXX and XXXX XXXX account number : XXXX 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2018-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (TX)

XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX  & XXXX  credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX. XXXX XXXX challenge d A R Resources with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to XXXX XXXX XXXX. XXXX entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Bank of America does not reduce the balance owed on the day a payment is made, and instead lets the interest accumulate for an additional 2 calendar days before crediting a payment toward the balance owed. Please see the screen " grabs '' from my two accounts. 
Thank you for working for the Consumers!
Consumer complaint received 2023-03-29
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. (GA)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.
Consumer complaint received 2018-09-02
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: Early Warning Services, LLC (FL)

I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX  out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Consumer complaint received 2018-09-02
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: Internal Check Systems, LLC (FL)

I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX  they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and XXXX XXXX and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been subjected to undue stress, XXXX, and mental suffering as a result of the actions taken against me, which has made me feel like I am being bullied and unfairly targeted. I have been trying to fix my credit report for years. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I have the right to challenge any form of debt reported on my credit file and seek validation of such obligations. I have never received any verifiable evidence of any obligation. The stress and XXXX  have significantly impacted my daily life, causing loss of sleep, decreased productivity, and overall emotional distress. If the account is Verified as " COMPLETE AND ACCURATE '' why is there still PAST DUE charge off accounts on my credit report? Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The source of this mental anguish stems from these inaccurate, unverified, incomplete accounts on my credit reports and actions taken that have no basis in law or fact. Charge off as defined in Publication 4681 by the Internal Revenue Service ( IRS ), is considered as income, not a debt obligation. Therefore, it is my belief that the account should reflect a XXXX balance in terms of past due amounts, as it is not indicative of a traditional debt. This discrepancy is causing a misrepresentation of my financial history and have implications on my creditworthiness and has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application with the United States Capitol Police. The rejection is rooted in false and incomplete information reported in my credit report, errors that were apparent and easily verifiable. Therefore, I contest any reported debt until such validation and evidence are provided. The certificate of financial statement should reflect the negative accounting I owe, for example : XXXX ( XXXX ). Specifically stating whether I owe or do not owe any actual red numbered negative amount of debt. If no proof of negative accounting exists, I request that negative reporting cease immediately.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NY)

A promotional credit card offer through BJs was supposed to be issued back in XXXX. I never received the card. When I was contacted about a late payment, that is when I explained that I had not received the card nor used any service to have a bill. I was advised to call the store BJs have them reverse the charge, and then call commenity bank to have everything removed. 

A new card was supposed to be issued. I did not receive a new card nor did they correct the account. I advised that I did not want a replacement at this point and wanted the record cleared as they stated they would. All this time I thought it was corrected. I have called both BJs and commenity bank only to get the run around that their system is down and they can not see nor correct the record due to systems issues. 

This is negatively impacting my credit and is a disservice to me as a hardworking consumer, that has taken pride in ensuring I make timely payments. I am in the process of trying to buy a home. I have missed out on the opportunity recently because of this matter. In my research I see that Commenity Bank has numerous complaints about not posting payments, or posting incorrect information, etc. This is very stressful to see that others are having the same issue, with no response from the company.

Im hoping you can assist me with having them remove this incorrect information immediately. 
I dont even know the full account number because they couldnt pull it up per all the representatives I spoke with he said to tell the next person if the system comes up XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2018-09-02
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: EQUIFAX, INC. (SC)

I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( Equifax, XXXX and XXXX ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Consumer complaint received 2018-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CA)

I received a written collection notice from a 3rd party related to a membership with XXXX XXXX XXXX on XX/XX/XXXX. This is the first time I have received any written notice regarding a balance due with XXXX XXXX XXXX. The membership contract for this gym had expired several years ago and I have not entered into any new contract with this gym nor have I access any of their facilities since XXXX.
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IL)

They are harassing me by calling me several times every day, even on Sundays. They also call very early every day at XXXX XXXX  I have told them to stop calling, but the keep calling daily. These calls usually wont answer me, they just hang up on me and they never leave me a message.
Consumer complaint received 2022-07-10
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 act XXXX  Account : XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-10
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. (NY)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2021 XXXX inquiries : XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (ME)

I filled out the form on XXXX once for the past two days, Experian and XXXX have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX   worked just fine. No further details that I can use to troubleshoot the issue are shown.