davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Verification of Charge off and 1099-c for account # XXXX. 
Dear Capital One Bank USA, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-c for the account associated with the reference number XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company does not have these documents a request for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 
Thank you for your cooperation in providing the necessary documentation for this verification process.
Consumer complaint received 2024-01-03
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. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (MD)

Recently recieved an email from a collection company Pinnacle credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They are asking me to pay {$740.00} for services at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. I have lived in XXXX since birth XXXX year ago. 
XXXX. I haven't had a landlines since 2008. 
XXXX. My cell service has been with XXXX since 2008. 
XXXX. I don't owe this debt. 

I am very concern and disturb that a debt collector reach me on my private email. This has caused me great concern that these agencies can reach me on my private email and falsely claim that I owe money at an address and for services that I don't have. This is causing great anxiety that companies can do this and practice disrupting people 's calm life by falsely stating they owe a debt and is trying to collect on it. 

If I was a person of XXXX or XXXX XXXX  this could be severely overwhelming and could cause the person to pay a debt they don't owe or be even more catastrophic.
Consumer complaint received 2024-02-28
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)

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They have reported inaccurate information to the three credit bureaus.

One report states that the account was closed and the last payment was made on XX/XX/2023 and late payments are XXXX while reporting to another bureau that the last payment and account was closed XX/XX/2023 and late payments are XXXX
Consumer complaint received 2024-01-03
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. (FL)

In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and mental health.
Consumer complaint received 2024-01-03
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. (FL)

In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

First in foremost this is not my debt. I have sent a letter to XXXX verify my personal information. This debt is a rental collection at address that I have never lived at and is causing damages. I am not able to rent because it is listed as an eviction.

I also sent a letter directly to the furnisher that they were violating laws. After sending this letter they are violating 15 USC 1681 s-2. The are reporting inaccurate information.

These laws were 15 USC 1681b as they are a third party party harboring information unknowingly on my credit report. 15 USC 1692 c as I asked them to cease all communications with me.
Consumer complaint received 2023-07-13
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. (NC)

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % factual information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 2024-01-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received XXXX AMEX digital cards via email from XXXX of my bosses for my XXXX gift. I tried purchasing items on XXXX and it was declined. I tried purchasing sneakers at XXXX and it was declined. I called up and spoke with AMEX support and they are aware of the problem and told me to keep trying at other online shops to find one that will accept it. I did find one shop and purchased a pair of jeans. I shouldnt have to do this. AMEX should state then that their electronic gift cards can not be used at most places. There is an entire thread on XXXX about this with so many disappointed people who now have worthless cards that can not be used at any major retailers. I can not use this gift card anywhere that I shop! XXXX, XXXX, XXXX, XXXX no one will accept it online and I went in person and they said absolutely. I would like to request a check in the amount of my gift cards to be sent to me please. Thank you
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Was given an Amex gift card as a holiday bonus by my company. Have tried to use it at multiple online vendors ( including : XXXX, XXXX, XXXX, XXXX, and other smaller vendors ). It is not accepted by anyone, AmExGiftCard.com/balance shows only a slew of {$.00} transactions that are pending, but all purchase attempts are rejected. 

I called AmEx and spoke with Customer Support who tried to be helpful but could not offer any explanation as to why the card was rejected or where it could actually be used. His answer was " your card is blocked but I've removed the block, try again in XXXX hours or try another store '' but there is no information on the AmExGiftCard.com/balance website about any block on the card, or whether it's been lifted. 

I'm not in the habit of being embarrassed at local stores and restaurants when a card is declined, so I'd prefer to simply have the money sent to me via check. 

I've read hundreds of similar complaints from others online - this is clearly a known issue and Amex is taking advantage of consumers with deceitful advertising, then covering it up with more deceit from their customer service team.
Consumer complaint received 2024-01-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

Acct XXXX Was closed. On XX/XX/2023 and the equipment was returned. The employee at the XXXX XXXX did not tag/receipt equipment correctly. After 60 days this account was placed in collections for un returned equipment. 
In XXXX of 2023 I realize it hit my credit reports and I called and provided proof of return. From XX/XX/2023 to now it has been a 150 phone calls to each XXXX  and collection agencies XXXX is the vendor. 
Credit Management XXXX. Is collection company is at fault here. There is something wrong that they keep promising to remove the inaccurate entries.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2023, despite having funds availability, Citizens Bank reversed a transfer from checking to the home equity line of credit. This created a false impression that the HELOC was late. At no time did Citizens Bank provide any notification or reason for not allowing the available funds to be paid as minimum payment for the HELOC. The funds placed into the account were specifically deposited for the purposes of paying the HELOC. Said funds are unencumbered, the transfer instruction was in writing, and the funds were clear and available.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Dear PayPal Support, I am writing to seek your urgent assistance regarding a matter that has caused significant distress and inconvenience for me.

I swear I am a poor person and I am facing financial issues. I beg to you its a request please lift limitations or release my funds. I have no words how to explain my condition. Its my request please help me, I am in very bad condition. You have your own family so please help me in this situation and release my funds or lift all limitations. 
I trust you will help me On XX/XX/, I engaged with a PayPal support representative via chat, and following our interaction, I was informed that by submitting my photo ID and bank statement, any limitations on my account would be promptly lifted. However, to my dismay, within five minutes of this resolution, my account was inexplicably restricted permanently. 

I want to emphasize that I swear I have not engaged in any activities that would warrant such severe measures. In my earnest effort to resolve this matter, I am attaching my bank statement and photo ID for your thorough review. I understand the importance of adhering to PayPal 's policies and assure you that I have always maintained the utmost compliance.

I find myself in a challenging financial situation, and the limitations on my account have only added to my difficulties. I humbly request your kind intervention to reconsider the imposed restrictions and facilitate the release of my funds. I am a humble individual facing financial hardships, and this situation has left me in a state of distress. 

I sincerely appeal to your compassion and understanding, as I trust in PayPal 's commitment to fairness and customer support. I implore you to consider the impact this has on my life and the lives of those who depend on me. Your assistance in this matter would be profoundly appreciated, and I am confident that, with your help, a resolution can be reached promptly.

Thank you for taking the time to review my case. I am hopeful that you will extend your support in lifting the limitations on my account and releasing my funds. 

Kind regards,
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.