davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (HI)

I disputed 2 Accounts with Transunion, I received a letter from Transunion with their investigation and verification results written in XXXX?!? 
I am a US Citizen and Transunion is a US Company, why did they send me a dispute result letter in Spanish? 
Absolutely unprofessional and a clear violation of FCRA rules. 
So now the 30 day period has passed and TRANSUNION NEEDS TO DELETE THE BELOW DISPUTED ACCOUNTS BECAUSE THEY DID NOT FURNISH ME ANY DISPUTE INVESTIGATION RESULTS IN 30 DAYS AND IN ENGLISH! 

XXXXXXXX XXXX XXXX  # XXXX remove this inaccurate account, because you didn't respond to my last dispute in English and in the required 30 days. 

XXXX XXXX XXXX # XXXX*Please remove this inaccurate account, because you didn't respond to my last dispute in English and in the required 30 days.
Consumer complaint received 2023-09-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (AZ)

I disputed their information. I sent proof of payment. I contacted original creditors and was told since the employee that sent me the email is no longer working there they cant do anything and the email I received is not valid and they can only go off what is in their system. After that the collection agency updated my credit file to demonstrate a more recent delinquent date. I moved from these apartments in XX/XX/XXXX. They did not report this until after a year later in XXXX, when I never even owed this amount in the first place. When I was purchasing my home in XXXX, I found about this debt and had to pay it off for home qualifying purposes. I was assured i would receive a debt deletion letter which was never received. However, Now with their new update I am being told that his will not be removed until XXXX or XXXX, almost 10 years. I have been disputing this charge for years and have provided this agency ample opportunity to make corrections without any resolution but rather more frustration. As the letter that they gave me says I wont dispute the credit card, I have never had a credit card with them.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent. 
It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That.

Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING!

Check my Credit Records!!! The
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, pay pal credit card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Consumer complaint received 2020-07-23
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (SC)

In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2023-09-18
Product: Credit reporting 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. (IN)

I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Over the past several months I have been going back and forth with XXXX in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. XXXX has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX XXXX XXXX XXXX CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and XXXX CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

I have sent multiple letters to this Company formal Notice that a claim is being disputed.for a debt that say i owe for XXXX I have not receive any evidence. This account is not mines I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (SC)

Discover Financial Services XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX or XXXX. Discover Financial Services reinserted this account back to my XXXX  credit file without verifying that I owe anything. Neither Discover Financial Services nor XXXX  have provided documents proving I granted Discover Financial Services permission to post to my credit profile. XXXX  did not offer any explanation of how Discover Financial Services was verified. 
Discover Financial Services continuously violates 15 USC sections 1692 A E and XXXX allows it. Discover Financial Services refuses to provide contracts with my signature proving I agreed to do business with Discover Financial Services. It is unfair as a consumer that I have to endure unfair credit reporting practices from Discover Financial Services and XXXX. This account was charged off 7 times. 
XXXX has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet XXXX  has not shared information with me on how Discover Financial Services was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?
Consumer complaint received 2021-11-29
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. (NJ)

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-12-03
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. (MI)

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Consumer complaint received 2021-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

My credit report shows a capital one credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted capital one they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a home equity line of credit with XXXX XXXX. the limit is XXXX k. 
I owed XXXX and on XX/XX/XXXX i paid XXXX k down. 
For the month of XXXX, XXXX and XXXX XXXX XXXX is reporting that i owe XXXX k and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with experian and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from experian or XXXX XXXX to listen.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They wont approve me fir a credit card their system doesnt even check my credit to see when I call they refuse to assist me tell me no that based on a past account this is nkt what they told me it was closed due to credit reasons I was told I would be able to have a card and reapply but their system treated me horribke without even trying to pull my credit and qualify me for a card its just canceled and internal reason
Consumer complaint received 2020-09-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America approved to us a merchant account - E-commerce- through XXXX using XXXX XXXX. In XX/XX/XXXX they didnt deposit {$2000.00}, and the next day we received a email from XXXX they solicited some information about some processes, and we responded immediately. One week later, after several emails and calls, they sent us other email soliciting the same information. They never answered what happened with our money, only we received two calls from Ms XXXX XXXX from XXXX XXXX, she said that our case is in process, but what? We called and sent several email, but they didnt answer. In XX/XX/XXXX we received by mail XXXX Notice of Termination and Reserve. They decided keep our money for long time to protect of chargebacks. We sent email with the Payment authorizations from all our transactions, 13 in total. Its no fair, they have these authorizations, they have to deposit the money in our account. Our clients received their products satisfactorily. Our first transaction was in XX/XX/XXXX and last XX/XX/XXXX, but the merchant withdrawaled {$210.00} dollars for one month of fess and services, incredible!!!!
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

A collection agency bought an old debt and then re-aged that debt and added it to my credit report this year. The agency sent a letter offering to settle for far less than the original amount. DOFD is now approximately XXXX XXXX XXXX.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2017 I applied for an american express delta credit card. They offered XXXX mile if spend XXXX in 2 months and an additional XXXX miles if spend additional XXXX in 6 months. I was accepted for the card and spent {$3000.00} within 3-4 months but never got the miles. I called them a few times and the said they would look into it but nothing done and no explanation. One time I was told maybe I had an account before so I wouldn't get.

Not sure if had account before and offer doesn't exclude if had account before.
Consumer complaint received 2021-05-06
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 (NY)

About XX/XX/2020 I initiated a mortgage process through XXXX XXXX ( XXXX XXXX ). At the beginning of the process I was asked by the broker for a credit card to pay for appraisal. Upon providing the credit card information, the broker immediately charged my card for " professional services '' which is a fraudulent charge. 

I immediately sent notice to the broker the charge was not authorized and that I am immediately ending the mortgage process because of his theft. The broker responded by scheduling an appraisal of the home, despite being told to end the process. Several days later an appraisal was performed. 

I notified Capital One I am disputing the charge as it is invalid. The broker claimed the charge was to pay for the appraisal. I provided all documentation proving that I terminated the mortgage process days before the appraisal was scheduled. For reasons unknown to me, Capital One told me they were allowing the charge to stay despite my proof the charge was theft. I suspect this is a case of inter-institutional camaraderie ; one hand wash the back of another. 

The charge of {$500.00} was mere theft and I am entitled to my money. I think Capital One should pay punitive damage for what they had done as well, even if the damage goes to a good cause
Consumer complaint received 2021-05-20
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: CARMEL FINANCIAL CORPORATION, INC. (MS)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMEL FINAN XX/XX/XXXX