davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
The XXXX XXXX XXXX XXXXXXXX # 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 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.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I do not have a signed contract nor any contract with CREDIT COLLECTION/USA. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT COLLECTION/USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt.

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  using 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 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TN)

For 3 years I've made payments to XXXXXX/XX/XXXX for a rent debt. This XX/XX/XXXX, I was finally able to settle the debt in full with them. Unbeknownst to me, another collection agency- National Credit Systems- was trying to collect the debt ( at the same time ) and reported the debt on my credit in XX/XX/XXXX. The paid debt was reported to the credit bureau and I sent a copy of the receipt to National Credit Systems on XX/XX/XXXX for them to completely remove this from my report as I had been paying Impact on an arrangement and had paid it off completely. XX/XX/XXXX update my credit file to the bureau within a week, but now, almost 2 months later, National Credit Systems is still showing a bad debt on my report. I've called over and over and they say they are updating it and never does, nor are they following up with me. Two creditors collecting the same debt is illegal, to my knowledge. And to report this as a bad debt 2 months after I paid it to the ACTUAL AGENCY HANDLING MY ACCOUNT is bad practice and affecting my ability to move and gain financial opportunities.
Consumer complaint received 2022-03-09
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. (FL)

On XX/XX/XXXX, I applied for and was approved for financing through XXXXXXXX XXXX for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. XXXX XXXX  also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with XXXX XXXX. My credit score dropped XXXX points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. XXXX XXXX  disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (FL)

On XX/XX/XXXX I requested to borrow {$120.00}. My account had {$460.00} in it at the time and only increased to {$560.00}. I was given {$100.00} instead instead.of the {$120.00}. The loan amount paperwork reflected asnthough CashApp provided me the full {$120.00} amount with additional fees to pay back. I contacted CashApp regarding this matter they talk amount everything else but the issue I have.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2023-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

This in regard to Paypal. During the first week of XXXXXXXX XXXX I had some unauthorized transactions from my debit card in which I contacted my bank fraud dept about the incident however I did received a new card. I had to changed my accounts information on how I pay my bills and one them is PayPal, I logged into that and notice something wasn't right there was received payments from individuals and a business tied to my information. None of these are mine and never any of those funds and these happen on XXXXXXXX XXXX. I then contacted and spoke to a live rep with Paypal she said it look like someone in California use my account to change the information to " primary '', to scam and fraud. Selling fake goods and then using my PayPal account to collect their funds. Then these customers are looking at me ( a victim as well ) for their money back. PayPal did send 7 statement for each customer that they had figure out the problem. But, it still left a XXXX negative balance on my account because of that.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

This bank online mobile banking ghost account. Etc bill pay or XXXX  both establishes ghost account ran by online Bill pay or XXXX  employees to hold your money into it to pay your bills supposed at your request. I do not use this feature nor do others, however,. Unfortunately, PNC bank online banking and XXXX or XXXX employees as well as transactions via debit card department is taking my direct deposit funds as I apply and send to my account hacking into my account via an alert by watching when I login and literally pay my bills with my direct deposit to strangers, themselves and friends. I contacted occ which the case is still going, FDIC and antitrust and the bank is continuing the fraud. The fraud works like this. The direct deposit get released on Tuesday, but won't update until Wednesday into your bank account, bill pay or quicken must be online banking or mobile banking staffs or via debit card transactions put bills in on Tuesday while the direct deposit was released waiting .The direct deposit never hit your account on Wednesday. Because bill pay or quicken employees spent it.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax refuses to supply my free, weekly online credit report. I have no problem with the other 2 credit agencies, but Equifax will never send the free report. This has been going on for over a year. I do not trust them to submit a request by mail with the many personal items they are requiring. 
I would like to receive my free weekly online report.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a capital one bank client for 15 years.. I have business and personal checking, savings and credit card accounts. One XX/XX/2021 I received notice that my Capital one personal and business credit cards has been closed, which was 5 in total. I contacted them serval times and was told that my account was closed first because of a return payment which when the customer service rep reviewed all my accounts he found out that wasnt true, then i was told the reasons for the accounts being closed would be mailed to me. I called again the I was told they where being closed because of activity with capital one or another bank account which they could never tell a specific reason why and then i was told the department that closed the account cant be contacted and there was no contact information for that department. All my accounts was in good standing and never made any late payments. I truly believe its some form of discrimination which is why i was never given a specific reason. Attached are the 5 letters they sent me of the 5 accounts they closed
Consumer complaint received 2024-10-13
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: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want Experian to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by Experian to the reason on my credit file
Consumer complaint received 2024-09-16
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00}
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (RI)

I have been trying to dispute a medical debt that was never submitted to my insurance company. I have had the same insurance for over 23 years and have provided documentation two the debt collector however, the collection remains on my report. The date of service for the debt is XX/XX/XXXX however its reporting on my credit XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX XXXX information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX  XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Consumer complaint received 2020-07-09
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2024-10-12
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXXXXXX XXXX XXXX XXXX, I became involved in an employment scam with a company out of XXXX XXXX called XXXX XXXX XXXX XXXX. As a result of this 'employment ', XXXX XXXX XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( USAA, XXXX XXXX XXXXXXXX and XXXX ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to a XXXX XXXX store, where it was shipped to XXXX XXXX. After about a month of this type of activity, I told XXXX XXXX XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XXXX XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that USAA, XXXX, and XXXX XXXX  XXXX took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into XXXX. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (TX)

It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, XXXX, and Experian and still have not received a response. I believe my disputes were sent XX/XX/2020 and today is XX/XX/XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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  ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.