davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2023-02-07
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 (CO)

XXXX XX/XX/2022 Certified letter sent to Capital One. 

I am writing you to dispute the fraudulent charge of {$1100.00} to my credit card account on XXXX XXXX 2022. This charge is in error because it is fraudulent. I did not make this charge to my card. I notified you of this XXXX XX/XX/2022 as soon I saw the fraudulent charge. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I understand that Federal Law limits my responsibility for unauthorized charges to {$50.00}. Your literature states that I have {$0.00} Fraud liability and that I wont be held responsible for fraudulent charges. 

I reported the fraudulent charge on XXXX XX/XX/2022 at XXXX hours. Less than 12 hours later I was informed that the charge was being upheld because the chip was used. I contacted your Customer Service to get clarification. Your agent stated that because the chip in the card was used, it could not be a fraudulent charge. A quick internet search debunks this claim. 

I made several more calls to your customer service on XXXX XX/XX/2022 between the hours of XXXX and XXXX. You note in your disclosure, before the agent comes on the line, that all of these calls are recorded. I was disconnected multiple times. One can only hope this was accidental. 

You did not investigate the charge any further. This was demonstrated when you directed me to contact the agent submitting the charge, SUMUP. The phone number you provided was incorrect. It contacted the U.S. company by that name, however, the agent involved is in XXXX. 

When I called again, I was directed to call the merchant listed. I had already attempted to contact them with the number listed on my statement. That number is not a phone number at all. No variation of adding the country code or city code for an international call transforms this into a working phone number. 

Next, I was directed to call the merchant listed as XXXX XXXX XXXX XXXX XXXX. I had already researched this information. I reported my findings to your agent. I explained to your agent that XXXX XXXX XXXX XXXX XXXX  is not a merchant. Bail is the french word for rent. XXXX XXXX XXXX is an abbreviation for XXXX, a suburb of XXXX with the zip XXXX XXXX. I have never been to XXXX XXXX 

I was a tourist in XXXX from XXXX XX/XX/2022 through XXXX XXXX 2022. I stayed in the XXXX XXXX. You can see this charge on my account. I did not rent an apartment. 

Thank you for your attention to correct this billing error.
Consumer complaint received 2021-09-02
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: CITIBANK, N.A. (GA)

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from CitiGroup. I have no banking relationship with this company and theyve pulled my credit on 4 separate occasions without my permission on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Consumer complaint received 2024-02-14
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case.
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: EQUIFAX, INC. (FL)

I have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed
Consumer complaint received 2024-02-14
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. (NY)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an incorrect late payment reported from XX/XX/2021 -- XX/XX/2021 ( 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.
Consumer complaint received 2022-07-18
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 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 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Consumer complaint received 2024-02-13
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. (CA)

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 has violated my rights. Or a list of inquiries : 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 2022-07-18
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. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have informed this debt collector, AutoTrakk, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. I have received a return receipt that was signed by one of their employees notifying me that they have in fact received this letter. Please see attached. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that AutoTrakk removes this unvalidated and inaccurate alleged account immediately.
Consumer complaint received 2023-07-13
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: HYUNDAI CAPITAL AMERICA (FL)

Kia finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I sent a check for a total of {$7500.00} on XX/XX/XXXX through Capital One Bank 's courier service to a contractor for a partial payment of permitted work that was being done on my house. When I met with the contractor a few days later, he told me that he had not received the money or any deliveries from XXXX, Capital One 's courier. I immediately called Capital One bank and told them the situation. They said that they could not do anything about the issue for 120 days and that I should contact the shipping agency, which I did. They said the check was delivered. When I called back to Capital One, they sent me an affidavit to sign and made it seem that the issue would be resolved shortly. Well, it has been over six months, and every time that I call I receive a different answer about what is going on with the check. There has been no transparency and/or resolve to solve this problem. Since then to avoid problems with the contractor, I paid them the remaining balance out of my other checking account.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hi, Between XXXX I and my wife XXXX XXXX lost pay form our employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX  mortgage collapse caused this problem, so we were not able to make our mortgage payments to Wells Fargo Bank. So, we tried to modify our loan with with Wells Fargo 's refinance mortgage department under hardship. We submitted everything the bank requested and after going back and forth we finally got and approval letter letting me and my wife know that we qualified for a mortgage loan modification consistent with the hardship we were dealt with under the XXXX  housing mortgage crash. Well, Wells Fargo bank reneged on their promise to modify our mortgage loan. 
Through out the process of trying to modify our loan with there was a credit collection agency from Wells Fargo bank that consistently harassed me and wife wife to try and collect money that me and wife could not pay because my wife lost her job and my work ours hours were reduced. We were consistently threatened with foreclosure on our home by the collecting agency. So, after 12-24 months we were forced to pay mortgage back pay money which summed about {$14000.00} to {$16000.00} .This money that we had to pay back depleted me and my wife 's life savings account. This created more uncalled hardship. Me and my wife had to ask our parents for help to make ends meat. 
Wells Fargo bank just made false promises and gave me and wife the runaround and charged us delinquent fees too.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I applied for a Credit Card from Best Buy Citi Bank. I was approved and purchased a lap top for {$1000.00}. However when my card arrived with a letter and reference number : I called as instructed and Citi Bank could not verify my identify. I gave them my social security number, Home address and phone numbers and nothing was done to allow me to use the card. I tried to use it at a Best Buy and the Clerk informed that the card was not allowed to be used. When I called the agent ; the agent could not get a Supervisor to assist me with the issue and then could not even assist me or informed me what was wrong with my card. This is unacceptable I called customer service and was able to pay off my balance because I could not deal with their inability to perform a simple verification either by text verification or email.
Consumer complaint received 2024-02-14
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-14
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. (TN)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.