davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-16
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. (PA)

I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.
Consumer complaint received 2021-09-16
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: CLGF Holdco 1, LLC (CA)

I closed my Indigo/Genesis credit card on XX/XX/21, and received a refund of the credit/overpayment on the account in XXXX. After this, also in XXXX, the credit card reopened my card account, without my permission, and subsequently allowed three charges to go through. Then they debited my checking account yesterday for an auto-payment, without my permission. I called them this morning, and their solution is to dispute the three charges with the merchant, which they allowed, and if they are able to resolve it, I will receive a refund of my unauthorized auto-payment after 60-days.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My credit report since XX/XX/2022 has been on a technical temporary freeze by Equifax. I have called multiple times for Equifax to fix this and they have failed to do so. I can not get any credit report or credit if pulled with them as the error message BLNK appears. I need help because I have done everything they have requested and they still do not fix this so I can see or get a current credit report.
Consumer complaint received 2019-03-18
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. (GA)

In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner
Consumer complaint received 2019-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner
Consumer complaint received 2021-02-28
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 (NV)

You guys did a charge back on my fraud and when i tried to call you guys about it. Everyone doesn't know what's going on and they kept transferring me to another person, I kept getting yell at and i'm tired of calling and speaking with you guys over the phone, during this time of pandemic it just show how much you guys hate other people still, i dont know what kind of training you guys have going on but it needs to stop!! the charge back was 4 of them on XX/XX/2021. If you guys can't help me or fix it then no body deserve to be apart of capital one. this company is turning to be more " XXXX 's '' I'll see how you guys handle this situation and see what right. If not i'll find a way to let everyone know about this.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (SC)

A couple of months ago I called AA Advantage American Express Citi bank to close my card. We do not use American Airlines in favor of XXXX to the places we go and I didnt see the point in having two of the same cards. Current customer agreement is attached. 
When I called the customer service the customer rep said that under customer service agreement that I signed a couple of years ago it would take 30 days to close the account. I did not see any problem here as I cut up the card as I wouldnt be using it anymore. The following week I received a bill for {$99.00}. Calling customer service I was informed that this was the membership fee for the current year 2021. 
I told the girl that I thought it was ridiculous that I pay a fee that I wasnt going to use. I left the conversation thinking the issue was resolved. At the beginning of XXXX I got the same bill. Again after waiting the ten minutes to get a customer service rep. 
I again explained the above situation to her. She said it wasnt in her job to solve the problem but she had to transfer my call to another department. Again after waiting to get the customer service person she also told me she didnt have the power to solve my problem andI would have to be transferred to a third person. Again after being on hold I told the person up front that if she couldnt solve the problem and waive the fee I would be filing a complaint with the CONSUMER PROTECTION BUREAU. This complaint is the result of that call. 
I would like it noted that I can easily pay this charge. I dont feel the charge is fair because Citi Bank is perpetrating something short of fraud in not being honest with their customers. I did pay any outstanding balance before I closed the card. I also closed my XXXX Citi bank card that I have used regularly for the past 10 years. If you were to check my almost perfect credit rating you would find that I very seldom complain or send product back that I ordered.
Consumer complaint received 2023-04-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-01
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. (TX)

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, XXXX & Transunion ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had corrected. Due to CREDIT BUREAUS ' lack of response which I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. If Credit Bureaus wish to correct this dishonor, I will give them one more chance to correct errors and FIX my records. Please update the account, which have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the account listed below in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX Balance {$16000.00} Please provide documentation that the account belongs on my credit report and that my rights have not been abrogated. Otherwise please CORRECTY this damaging data immediately.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My XXXX XXXX account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.
Consumer complaint received 2020-12-12
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX*Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00XXXX XXXX XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2021-12-01
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)

On XX/XX/2021 I wrote to Experian to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been 32 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress to still have these inaccurate and false accounts attached to my credit report. Please, as the CFPB, please support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account for no reason and will not help me with getting it back up and going, i am not sure if this a same mistake as i assume it has to be. i have not been able to get help them from months but i just remembered i could file a support on here as i feel theyre not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently My email linked to my paypal is XXXX XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARVANT FINANCIAL LLC (NY)

I asked ask Carvant financial to validate the debt which they were not able to in XX/XX/2021. I asked them to send over the contract in XX/XX/2021 which has so many violations. I sent in my affidavit XX/XX/2021 and still have not received a response.
Consumer complaint received 2020-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

I keep getting hits on my credit from ATG Credit LLC. I disputed the collection twice through the XXXX  app first on XX/XX/2020 then XX/XX/2020. And my reason for disputing it was because I paid off the debt. Each time they removed it. And after that, I contacted them in XXXX once they yet again tried to add it to my credit again. The person I spoke to was very rude and said they would reach out to the place in which I went to get the medical services then ended the conversation with me. Which resulted in them taking the collection off of my account for the third time. This is the FOURTH time they have put this back on my credit. And when I contact them they always want my full name, social, address, email, and phone number. I feel highly harassed by them at this point.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

I noticed fraudulent opened account on my Experian credit report. I filed police report and FTC identity theft report to dispute this account and remove from my credit report by Experian. I am asking to block this fraudulent account with valid supportive documents and by law FCRA 605 ( B ) which I have right to as a consumer. After submitting my documents Experian credit bureau representatives keep saying only statements " we follow guidelines '' but not even taking more time to documents that is immensivele will help me to resolve my problem. I kindly request to delete XXXX XXXX account as it is result of identity theft.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$210.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$150.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

I filed a credit dispute on these items with Equifax, XXXX, and XXXX, the company XXXX XXXX is 100 % unresponsive to the credit bureaus and myself, I have sent settlement offers for the accounts and received no response, I then filed disputes with all XXXX credit bureaus and XXXX XXXX never responded to XXXX or XXXX, but Equifax claims to have verified the accounts, then refused to reinvestigate the accounts in XXXX of XXXX. I again sent correspondence to XXXX XXXX as of XX/XX/XXXX about the accounts and again no response, here is the letter sent to XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX To whom it may concern My name is XXXX XXXX my date of birth is XX/XX/XXXX and my social security number Your company said I allegedly owe you money for these accounts, XXXX # ( XXXX ) {$150.00}, ( XXXX ) {$210.00}, ( XXXX ) {$410.00}, ( XXXX ) {$410.00}. 
I will pay under one condition if can provide : 1. Validation of the debt, that is, the actual accounting. 
2. Verification of a signed Invoice. 
3. A copy of the contract binding both parties ( you and them ) in a letter by certified mail so that there is an independent witness to it having been delivered. 
There is no way that Equifax verified any information with this company when they will not respond to XXXX or XXXX or certified letter mail from myself, these accounts should be deleted.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (MA)

Ive been having this comenity bank charge on my account for years, years ago i was employed at XXXX XXXX, we are talking over 7 years ago, it was a requirement for us to try out for a corporate credit card upon employment, i was denied of course never received a card from my director and or company, a few years after i left the company i noticed these charges from comenity bank that were in collections Ive tried to rectify this situation for years now, no luck Ive contacted XXXX XXXX corporate, Ive spoke with the card issuer, yet still no luck i have now been getting Unknown phone calls and voicemails stating that they are taking me to jail and are going to contact my employer as well, theyve contacted my sister and left her threading Voicemails as well, now i have comenity bank and also XXXX XXXX, which is the collection agency that took over this account, yet both of them still report negative after years and years of trying to get this wrongful account removed from my credit, i cant take the harassing phone calls every morning for the last week now, and also contacting my family, this is ridiculous, this is my final step before i do contact an attorney on this matter!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.