davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXX/Consumer to XXXX am writing to dispute several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, XXXX, AND EXPERIAN are each reporting completely different information in several sections within my Consumer Reports. XXXX, XXXX, AND EXPERIAN EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, EXPERIAN SHOWS YEARS OF CHARGE-OFF STATUS, AND XXXX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, XXXX, AND EXPERIAN COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, XXXX, AND EXPERIAN. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, XXXX, AND EXPERIAN. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, XXXX, AND EXPERIAN. THE BALANCE SECTIONS ON XXXX, XXXX, AND EXPERIAN ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, XXXX, AND EXPERIAN HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, XXXX, AND EXPERIAN ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (PA)

I need my XXXX to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on XXXX and unenroll both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please at screenshots of the issue I am facing with XXXX XXXX XXXX enrollment etc.
Consumer complaint received 2022-06-07
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. (FL)

EQUIFAX INFORMATION SERVICES, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXXConsumer to XXXX am writing to XXXX several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, EQUIFAX, AND XXXX are each reporting completely different information in several sections within my Consumer Reports. XXXX, EQUIFAX, AND XXXX EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, XXXX SHOWS YEARS OF CHARGE-OFF STATUS, AND EQUIFAX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, EQUIFAX, AND XXXX COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, EQUIFAX, AND XXXX. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, EQUIFAX, AND XXXX. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, EQUIFAX, AND XXXX. THE BALANCE SECTIONS ON XXXX, EQUIFAX, AND XXXX ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, EQUIFAX, AND XXXX HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, EQUIFAX, AND XXXX ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (TN)

My name is XXXX XXXX XXXX I am filing a complaint against AWA Collections. I disputed the below medical account from my credit report, and it then updated showing " Account Information Disputed and that it meets the requirements of the Fair Debt Collection Practices Act. '' Which is absurd, and a violation of my consumer rights. Pursuant to 45 CFR 164.504 Use of Disclosure of Health Information which states that no such entity may disclose protected health information except as permitted or required pursuant to an authorization and agreement, which was not given. Pursuant to 15 U.S.C 6801 ( b ) ( 3 ) Protected against unauthorized Access or use. And pursuant to 15 U.S.C 6802 ( b ) ( A ) ( B ) ( C ) the right to opt-out. 

XXXX XXXX XXXX XXXX  I am demanding this account be deleted from my consumer report immediately.
Consumer complaint received 2023-04-22
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I have an XXXX XXXX checking account along with other types of accounts with PenFed Credit Union. There was a purchase of {$19.00} from a bakery that was supposed to be charged into my credit card account but ended up in being charged into my checking account by mistake. In the checking account, I always maintain a balance of {$500.00} to ensure the account in a good standing and never intend to use that fund for purchases. The bakery purchase lowered the balance of the checking account below {$500.00} threshold for a few days until I noticed the issue during a routine mobile app check. Then, I transferred the money from my saving account to my checking account to ensure the balance is restored back to be above {$500.00}. The transfer was made in the same billing cycle. The average daily balance didn't fall below {$500.00}. However, at the end of the billing cycle, that was a service fee of {$10.00} was charged into my account without any warnings. There is no feature of any sorts to alarm the users of the balance below a random limit that would trigger this fee. I contacted the customer service twice to explain the situation and asked them to reverse the fee given that was a mistake and I did correct the issue as soon as I noticed. However, the customer agents said this fee was applied by the computer and they couldn't reverse it.
Consumer complaint received 2022-06-07
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: Affirm Holdings, Inc (NY)

In accordance with the Fair Credit Reporting act Affirm Inc, 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

I opened a 18 month interest free account with XXXX XXXX for an engagement ring. I signed a contract with the Sales Manager at XXXX who also confirmed 18 months interest free. My next 3 statements all have finance charges. I contacted Comenity Bank and every Customer Service Rep says my account did not qualify for the 18 month interest free account. The Sales Manager at XXXX also sent Comenity a copy of the contract and they still refuse to reverse the charges.
Consumer complaint received 2022-06-07
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. (IN)

In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-10-23
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: CITIBANK, N.A. (CA)

I was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. 
Right after that I disputed the charges and canceled that card and received a new card. 

But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. 

On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. 

On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. 

They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. 

Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. 

I'm still highly doubtful if they really reopened the case and still investigating.
Consumer complaint received 2022-06-07
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, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-10-17
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. (MO)

On XXXX XXXX, I pulled my credit report on Experian and it brought to my attention that XXXX  XXXX ran my credit XXXX XXXX. I did not authorize them to run an auto inquiry. It caused an hard inquiry on my credit. After seeing that I noticed XXXX  ran an inquiry on my credit 3 other times. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are the days I did not authorize and it never was brought to my attention that my credit report would be pulled causing hard inquiries.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (PA)

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 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 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts, addresses, and inquiries was open without my permission. I have contacted XXXX XXXX and transunion about this fraud issue but not resolved despite my federal trade commission affidavit and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-30
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. (PA)

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 : XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2024-09-23
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. (AL)

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.

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 2024-11-22
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-06-07
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. (MD)

The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Consumer complaint received 2022-10-11
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.