davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
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: EQUIFAX, INC. (MI)

After pulling all three reports from XXXX  and Equifax online around XXXX, 2019 and discovering that there were accounts I did not recognize and exercising my right under the Fair Credit Reporting Act to have accounts varied which are included in the wrote a letter about accounts that I wanted to be verified and sent it regular pre-paid mail. After pulling my report again to see if there were any changes are that the credit agencies may have placed on my report that the accounts were being disputed I saw no changes. Exercising my right I filed a lawsuit against the companies. Then finding more information I liked investigated such as accounts soft, hard inquiries and all accounts verified with written documentation around XX/XX/2019 sent certified mail this time. Although the accounts were quickly returned around XX/XX/2019 stating verified and putting them on notice of the XXXX letter which they claim they did not get they still did not provide to me the procedures and documentation proving to me that the information was 100 % percent verified. I have made several attempts to the attorneys of Equifax and XXXX  directly and informing them that I request the information. It appears that XXXX  does not feel they have to provide me with the information and also that it appears that both companies don't feel a duty to investigate and verify the companies that pulled my report. I have also been a victim of identity theft through Equifax XXXX  XXXX breach. I also have in court claims of defamation of character bureaus have been denied credit due to the information that should be removed under the Fair Credit Reporting Act for not being completely verified and also noot being timely within 30 days. Although a lawsuit is pending now I don't believe neither company should not withhold performing there duty and remove the information that was not verified completely and timely. I reserve the right to explain any additional claims I may and do have regarding this matter.
Consumer complaint received 2023-02-22
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2023-02-22
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. (TX)

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to XXXX, XXXX, and Transunion along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. 

( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Consumer complaint received 2023-02-22
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

TRANSUNION, XXXX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Consumer complaint received 2023-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2022 XXXX became XXXX XXXX. When the changes were made I had no knowledge that the payments posted would not be to the original account. I contacted the company via email asking if they would give me a reprieve since I had been a customer for two years and never had a late payment previously ; in fact, this would not have occurred if it had not been for the company account changes beyond my control. They emailed back that the late payment would be reversed ; the credit bureau never received updated information and my report and credit score reflect this negative mark. In XX/XX/2022 I paid off the account in full and was due a refund. The company did not return the funds within the 7-10 day timeframe. 

My concerns are the following : 1. The company has the ability to positively or negatively impact the consumer 's life via credit reporting. It is imperative that this reporting is done accurately to reflect as promised.

2. Since accounts are to be reported accurately ; negative balances ( i.e. overpayments ) are returned to the customer 's closed accounts and refunded within 7-10 days.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (GA)

I have attempted several times to get this company to comply with ( 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 ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Consumer complaint received 2023-02-22
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)

XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

First, they charged me interest on $XXXX. Then charged me a late fee for this interest. then they wont let me pay the bill since I cut up the card. They wont let me out of a credit card that I 100% paid off. They are a nightmare. I called and told them I want to close this card and I have a new bank account. I gave them the new bank account and told her to use that one as the other is closed due to divorce. She assured me the payment is confirmed and it was from my new bank but she of course used the old one. Now I am paying interest on interest from a late fee and have nothing to show for it. not even a taco from XXXX  XXXX.
Consumer complaint received 2023-02-22
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXXXXXX {$1500.00} XX/XX/XXXX
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I don't know who this Company is and why they are stating that owe them {$960.00} dollars. I've never agreed with AD ASTRA RECOVERY SERVICES with any type of contract that I owe them any money or I have a debt balance with them. I need proof of original contract with my orignal signature, date I first I signed contract and open contract, detail dates of payment/itemized sheet history. Also, if their company have license to collect debt in the State of Texas
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (GA)

On XX/XX/, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I have consistently for several years been stating to First National Bank of Omaha that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

I checked my credit report XX/XX/XXXX and notice an account that was not mines. I've called, emailed and XXXX XXXX  a dispute letter to the company. It has been past XXXX  days and still no validation of debt. They did email me in XXXX with a bill that has my name and an address were i've never lived. They said that was the validation of debt. I keep calling the company no answer, i've left messages no return calls. I have all the proof that i did not live at that address where the services took place.
Consumer complaint received 2023-02-21
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. (TN)

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

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 2023-02-21
Product: Credit reporting, credit repair services, 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. (GA)

I, XXXX XXXX, Consumer have come to the understanding that TransUnion is in violation of my rights to privacy and did not give Transunion the written instructions to furnish such information on my consumer report. ( PLEASE SEE ATTACHMENTS )
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (MI)

My Background Check through First Advantage shows 3 eviction notices from XXXX XXXX. 
I was never evicted. I had two slow pays but paid in full and was never evicted. 
This reporting is preventing me from getting a roof over my head. 
This is unacceptable. 
XXXX is the number to First Advantage.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
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. (TN)

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

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

My Venmo account was permanently suspended on XX/XX/2023 without warning or reasoning from Venmo. They said at their discretion if they believe we may have violated their user agreement they can decide to permanently disable my account. I did not violate any part of the agreement and Im not sure what they are talking about because they will not share any details on the reasoning behind my permanent suspension. I believe this is unfair and even fraudulent that for years this company has taken money from me via instant fees and whatever other fees but now they deem me in violation of their user agreement without explanation after taking my money for years.
Consumer complaint received 2023-02-21
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. (LA)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct my credit.