davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (TX)

I sent in a dispute to Experian and it was received on XX/XX/2018 and I have yet to get a response. They have not verified permissible purpose or proof of I initiated these inquiries nor written authorization. I have waited for to long for the completions of this investigation. Documents and proof of Experian receipt of dispute is attached to this complaint.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A person fraudulently added them selves to my credit card account and ran my bill up from a XXXX balance to over {$2000.00} by running up un authorized charges. This account was closed by Capital one due to the actions and misuse of the account by this person but Capital one expects me to pay the balance. I am not paying for something I never authorized and this person should who added themselves to my account needs to be held accountable. This Debt is not mine and expect it to be stricken from my record. Go after the person that fraudulently accessed my account and added themselves to my account. All of my capital one accounts were closed due to the actions of this person. I expect all of my accounts to be re instated because I was unaware of the actions that took place on this account. I am including both the statement of the entire balance being fraud in addition to my letters from capital one letting me know they are closing all of my accounts.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXXL with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (FL)

I have leased car with option to buy. At the end of the lease I contacted Audi Financial Services to inform them that I want to buy car out at the end of the lease. Usually you pay balance. Company send you title and then you register car at motor vehicle department where you pay sales tax on a balance of the payment. Audi Financial Services told me that now I have to go through the dealership where I leased my vehicle from ( Audi of XXXX XXXX ). That would be ok with me if Audi dealership would not charge me a variate of additional fees which adds up to {$1800.00}. This is highway rubbery. This is not first time I buy a car after lease, but I have never paid anything but balance amount on my lease. If Audi Financial Services outsource this buyout to dealership they have to compensate it not from my pocket but from theirs. There is nothing in my contract I have to pay from my pocket except balance which is indicated in my contract. 
Please help me and other customers to avoid blunt violation of our contract with Audi Financial.
Consumer complaint received 2020-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

I do not know how Penn Credit Corporation obtained my information. I've never resided in Pennsylvania and I have attempted to identify the breach of my information. I have also challenged this derogatory with the credit bureau 's who validated the debt without investing at all, rendering a verdict within days ( Report NumberXXXX Date generatedXX/XX/2020). According to FCRA I am entitled to due process in reference to Pennsylvania law should not reflect due to statue of limitations. I've never received literature to upload on this complaint.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

I m victim of a indentity theft! I have a XXXX XXXX  utility bill on collection which i never open. Account has been open on XX/XX/2022 and amout of the collection is {$420.00}.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Enterprises International, Inc. (AR)

American Enterprises I begged the reps to come pick up the vacuum cleaner for months. They continued to try to sell it to me after I consistently told them I didnt want the product. Several months later they decided to come pick it up. They then charged me for it and reported it as a delinquency on my credit report.
Consumer complaint received 2020-09-18
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: DISCOVER BANK (NC)

Earlier this summer, my wife and I were planning to fly to XXXX on our first vacation in five year years. We have been saving for some time for this trip, and unfortunately, due to COVID-19, we were unable to fly to XXXX as all domestic travel was grounded. 

Our airfare was {$2100.00} and we have uploaded the supporting documentation to Discover Card Services, which they requested that the airfare was handled by XXXX XXXX. XXXX XXXX, who we booked the travel and airfare insists that the chargeback was sent to Discover, and Discover claims to have no record of it.

First, Discover stated that they in fact did have the money, but we needed confirmation it was not to be sent back to XXXX. Then, Discover claimed we needed to provide proof that the {$2100.00} was in fact for airfare. Then, Discover claimed we needed to provide proof that we had requested a refund from XXXX. Then, Discover claimed we had to provide proof that XXXX did not have our money, which amazingly, XXXX was able to provide in the form of written documentation. Then, Discover claimed we had to provide proof that we were due a refund in the amount of {$2100.00}, which we were able to provide. Then, Discover claimed we needed to provide this proof not through our travel agent, who booked the airfare on our behalf, but through XXXX, which we were able to do through proof of a partial refund for other expenses. At each point, we have requested the same thing, the {$2100.00} charged be removed. At each stage Discover has refused to comply. 

Please intervene to remove the charge.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 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 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IN)

My current mortgage account balance with Shellpoint mortgage on my credit report shows as {$210000.00} when my actual current balance is {$190000.00}. Additionally, my original loan was only {$200000.00}. I have disputed this information, and it was not updated. My balance history is also wrong. I have attached my account history from last year into this year.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-08-10
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)

TransUnion has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. 

Once their reinvestigation is complete, I would like for TransUnion to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I received an alert from XXXX that my credit score dropped 19 points, from XXXX to XXXX, when I looked at my report I find that Marcus has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. 

GOLDMAN SACHS AND CO Link card name Exceptional payment history {$1300.00} Balance updated XXXX XXXXXXXX XXXX XXXX looks like they reported the wrong year
Consumer complaint received 2024-02-23
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-26
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: ENOVA INTERNATIONAL, INC. (MO)

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXX, NC FINANCIAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im sent multiple ftc reports and 605b letters to Equifax XXXX XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
XXXX. XXXX XXXX at XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX XXXX  ( XXXX of XXXX Florida ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXXr XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NY)

In 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 15 U.S.C 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 2024-02-23
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. (IA)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX