davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

Account is reporting incorrectly by XXXX, Experian and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while Experian and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and XXXX while experian is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Consumer complaint received 2022-08-23
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. (UT)

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX  - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2022-11-08
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. (LA)

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. 

XXXXXXXX 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 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 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 and other adverse items 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 2022-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (OK)

Previous landlord apparently sent a false debt to a dent collector. I sent the document from court showing correct amount but the dent collector is still attacking my credit report with false information. I didn't break the lease the owner XXXXXXXX XXXX gave us a letter telling us the lease is being terminated and to move out so we did. We had paid rent which I showed them on my bank statement but they still evicted us. Even showed their lawyer at the court date and she still pursued with eviction. XXXX a shady bunch of thieves.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Payments made and taken accordingly from my account are first displayed on my transaction history and are representative of a low balance ; after reaching a low balance of approx XXXX or less transactions cease clear representation on transaction history, dates are misrepresented and transaction history is not in order, all transactions leading to low balance ( that made the low balance to begin with ) are titled pending and all are taken out of my account to produce an overdraft and additional debt which is taken out of the next direct deposit. 

Also, claims for fraud are handled poorly, a temporary payment is made instead of insurance to bring balance to current, money is taken back at a later date that is unpronounced and unexpected leaving me with a low balance and inevitable overdraft payments to produce a debt to pay off when pending payments are processed at the point of low balance. I was told payment processing is taken out Tuesday and Saturday ( however it seems as if their taken out just as I try to make a deposit to keep balance stable )
Consumer complaint received 2022-08-18
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: TRUIST FINANCIAL CORPORATION (FL)

XXXX is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
Consumer complaint received 2024-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: O&L LAW GROUP, P.L. (FL)

I had a judgment against me the judgment was not re certified and recorded at the 10 year expiration. I filed a motion to dismiss with prejudice on XXXX XXXX, the judge signed the order dismissing the case with prejudice on XX/XX/year>. A Motion to Continue writ was filed in my case on XXXX XXXX and the Judge signed the Order Continuing Write on XXXX XXXX. This Motion was filed by O & L LAW GROUP, XXXX XXXX XXXX XXXX. 
According to the FDCPA this is a violation because it means attempting to collect on a debt that has been already definitively ruled can not be collected
Consumer complaint received 2022-08-18
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. (WI)

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, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 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 ) 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 2024-10-30
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. Unpaid balance reported as a loss by XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. Unpaid balance reported as a loss by XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

In 2018 I opened a secured Citi credit card. The original contract was 18 months and it was a {$200.00} deposit. At the end of my contract they sent me a letter they were not unsecuring my card and making me wait another year. A year later they sent me the same letter. I attempted to mitigate through the XXXX  but the executive office of the CEO of Citi told me not only will they not unsecure my card but they will not give me my deposit back unless I close the card. I have a reoccurring charge on this card that is paid every month now for almost half a decade. I have never missed a payment. My XXXX currently is XXXX. I have no secured cards. I have credit limits topping out at {$10000.00} and I make over {$110000.00} a year. Even more strange, I have another card with them that is not secured and has a {$2000.00} credit limit! Please help.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a claim involving numerous unauthorized transactions posted to my Capital One bank account ( acct # ending in XXXX ) dating back to XX/XX/2021 in which I became aware of in XXXX of XXXX While filing a complaint I was notified by the banks fraud department both verbally and in writing that I would receive a temporary credit to my account while the bank conducted an investigation into the charges. I waited over 30 days and still heard no word from the bank until I contacted them to find out what was happening. They then informed me that they would not be restoring my account. The explanation given to me was that there were valid transactions occurring during the fraudulent charges. I already tried to explain to the fraud department that the unauthorized charges I was disputing were occurring at the same time as automated payments that occurred without my card in my presence. They also mentioned that account logins happened from valid locations which I am still not responsible for. My card was used without my permission and I had no control over any access anyone may have had with my account. I was recently a victim of a security data breech as well, so that may have been a part of the overall issue of my information being accessed, but this was not a fair assessment to validate the transactions made without my authorization. As a long time consumer with this bank to be dealing with this type of disregarded and treatment is unacceptable. I believe they did not conduct a thorough investigation before deciding not to disperse my funds. No one in the fraud department has agreed to look further into the matter therefore I have filed a complaint through the XXXXXXXX XXXX  Attorney Generals Office for consumer fraud and not abiding to FDIC insurance claim. The complaint number on file with the XXXX XXXX  Attorney General is # XXXX and attached is the decision letter from Capital One bank which Ive included in my complaint file. The dispute numbers on file for the bank are # XXXX # XXXX and # XXXX
Consumer complaint received 2022-05-23
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the fair credit reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2024-12-09
Product: Credit 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: Prosper Marketplace, Inc. (RI)

So I had just opened the card earlier this year or the ending of last year and havent used it so sometime in XXXX- XXXX I called to see what my limit was and they said I had a current balance of {$1200.00} and it was shocking because I have t used it I called to make a compliant and filing fraud I even spoke to the merchant where the card was used and they cant pull up a transaction because it was never used I have proof of that conversation but prosper keeps saying Im still at fault I havent used the card so I shouldnt be held responsible for using a card I didnt even use
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Validation of debt letter sent to this company over 4 months ago. Company has yet to validate this debt as being mines. I have no knowledge of this medical debt as I have always had medical insurance. So having a debt with medical expenses is impossible for me, as I am hardly ever sick. Please have this company validate or delete this debt as I have sent multiple request letters with no response. This is affecting my credit report tremendously and if unable to validate I request this be deleted immediately.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-05-10
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. (PA)

I sent a notorized FTC report and my PA driver 's license to XXXX, Transunion, and XXXX about the fraudulent accounts reporting on my consumer report.