davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (KY)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Government issued debit card provided by Bank of America. On XX/XX/2021 a company called XXXX XXXX XXXX aka XXXX issued me a XXXX for {$2100.00} for a purchased I made on XX/XX/2021 to which they were not able to ship the merchandise and lacked inventory so they issued me a REFUND for not received as they were out of stock on the item I purchased. The XXXX was for {$2100.00}. Bank of America sent me an email on XX/XX/2021 asking me to call in their customer service line to " URGENT : Please Verify XXXX XXXX XXXX '' and in the email it showed transaction XXXX for {$2100.00} they received. I called and verified the refund but I never received the refund. When I called back the next day, they claimed to " not know what I'm talking about '' and stated they didn't have any refunds. I forwarded the email and text message I received but they still continued to say they didn't receive any refund. The email had a case number XXXX, XXXX XXXX XXXX ending in XXXX. I would like to simply receive my XXXX for {$2100.00} but BOA refuses to release my money and claim they don't have it.
Consumer complaint received 2021-12-05
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the XXXX account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company
Consumer complaint received 2018-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

Used western union as a bill pay in store. The payment was routed to the wrong car payment company. Spoke with western union at stated they woukd contact company money was incorrectly routed to and reroute funds to correct company within 48 hours. Waited 48 hours and was told no progress had been made in retrieving funds and to wait another 48 hours. I'm meantime my vehicle has been repossessed. Still another 48 hours later no progress made. I personally spoke with company money was incorrectly routed to and was told that they had the funds on hold me due to it being attached to nonexistent account, but to that date had not received request from western union to return funds. They gave me a number and email for western union to expedite request. Called western union and was told they would note the information but would do nothing until their own back office contacted them again which hadn't been done since 24 hours after initial request. Asked for contact information of back office and was told that information is not for public consumer use and please call back in ANOTHER 48 Yours! Meanwhile my car is gone! I did not request a refund, I requested a Reroute! This is getting out of hand and in the meantime my car is slipping out of my grasp! The amount of the payment was for XXXX! The tracking number is XXXX.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account number ending in XXXX To Whom it XXXX concern, I never received billing statements via email ( preferred method for billing statements since XXXX ) for the following statements which resulted in erroneous a XXXX and XXXX day late reported by Capital One to all three credit bureaus. Also, the billing amounts increased due to past due amounts charged by Capital One. 

Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$170.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$230.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$280.00}. 
Billing cycle XX/XX/XXXX - XX/XX/XXXX for {$410.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$240.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$370.00}. 

A XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. And, a XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. 

I am requesting Capital One provide me the dates and proof in which the above noted statements were sent to me electronically, and dates of past due notifications sent to me by Capital One. 

I have submitted a complaint to the CFPB. 




Sincerely, XXXX XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have reached out to Equifax numerical times in reference to unknown addresses. I have previously had these addresses removed back in XXXX of 2019 After submitting a request to have them removed again permanently, Equifax informed me they were unable to find my file, needed additional identification so forth and so on., I have hired an attorney and we are in the process of taking this matter to litigation.. He has first informed me to send them Equifax a Affidavit Of Unknown Addresses accompanied with my social security card, copy of my birth certificate and additionally a utility bill that clearly states and has my name and Correct Address attached hereto., It is of and within my legal rights according to the FCRA Subsection 623 ( a ) for Equifax Credit Bureau ., TO PROVIDE ACCURATE INFORMATION., Duty to Correct and Update Information., A furnished that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that Previously furnished information is not complete and or accurate and to Correct that information. I hereby send this Affidavit of Unknown Addresses for the addresses of 1 ) XXXX XXXX XXXX, XXXX Pa XXXX 2 ) XXXX XXXX  XXXX XXXX, XXXX Pa XXXX 3 ) XXXX XXXX XXXX, XXXX Pa XXXX I have exhausted all attempts with the unknown furnishes of addresses., This is my last attempt before filing a lawsuit in the Court Of Common Pleas., located in XXXX, Pa XXXX
Consumer complaint received 2023-04-07
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. (DE)

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 # Lease : XXXX Merchant : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-11
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. (TN)

Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

XXXX transactions were duplicated in my XXXX XXXX XXXX XXXX The next day when they tried to correct the transaction history, the difference was not taken care and a deficit that resulted from the double entries was carried backwards, resulting in a loss of {$1600.00}. The Bank refused to accept this mistake and credit the {$1600.00} I am owed. 
I have print outs of the transactions both before and after corrections.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MO)

After multiple attempts to receive validation of debt from Online Info Services via a utility collection, I called and spoke to a rep  named XXXX who hung up on me because she was caught giving false statements regarding validating my identity to access my account. I called back to speak to a supervisor but the consumer collection department screened my calls and did not answer. I called back to back and unfortunately I had to call from another number for someone to answer to assist with my account. XXXX from the consumer collection dept. finally answers the phone so I asked to speak with a supervisor. The " assistant '' manager XXXX told me a letter was sent to an old address that I do not reside anymore so I provided her with an updated address. After providing an updated address XXXX stated the company will not send anything they have on file that states I owe this alleged debt. I asked to speak to her supervisor XXXX and I was sent to his voicemail. This is unacceptable and unlawful for a collection agency to consistently withhold information from the consumer, as the consumer is privy to information that being reported about them.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I have enjoyed a TJmaxx credit card for 5 years. My credit card has a XXXX balance. I haven't charged anything in 6 or 7 months. My credit card has always been paid on time. 

Today, I arrived home to find a letter stating that you have closed my account????? ... due to insufficient credit score????? 

I just received this week a credit card from XXXX XXXX in the amount of XXXX based on my current credit score.
Consumer complaint received 2021-12-05
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX  with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Debt Amount- {$410.00} Opened on- XX/XX/2017
Consumer complaint received 2022-06-10
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. (TX)

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-05
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. (GA)

I checked my report for accuracy and saw an account for NATIONAL CREDIT SYSTEM from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. NCS agreed to delete the account from my reports.
Consumer complaint received 2021-12-05
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: ALLY FINANCIAL INC. (CA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information That is being reporting. Please remove this from credit report has it is not accurate. 
This is effecting my life having this on my credit report.
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I pay portfolio recovery for my old XXXX account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.
Consumer complaint received 2018-04-05
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. (NV)

I opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.
Consumer complaint received 2023-04-07
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. (DE)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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