davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Pentagon Federal CU sold the alleged debt to XXXX XXXX services/Portfolio recovery earlier this year. The account was charged off in XXXX XXXX. I have yet to recieve a 1099C for this debt. 

This is now an official cease and desist letter to stop your collection efforts until it is verified that your company either wrote the debt off on their taxes or they didnt in which I will be suing for damages do to this frudelent activity. 

In addition, please provide the documentation of the amount in which your company sold the debt to the 3rd party debt collector as they are reporting an incorrect balance.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

What Happened In XXXX I purchased an XXXX XXXX ( XXXXXXXX XXXX ) through a loan with Citizen One Bank . After receiving it, I decided I didnt want the phone, so I returned it to XXXX , which they received and confirmed. 

However, despite the confirmed return, I later discovered that Citizen One Bank continued to charge me as though I still had the phone. I contacted Citizen One Bank to resolve this issue. They promised to call me back on XXXX but they did not follow up as they said they would. 

Since then, Ive reached out multiple times to both Citizen One and XXXX. Each time, Citizen One tells me to speak with XXXX, and XXXX refers me back to Citizen One. Neither company seems to know how to fix the issue or is taking responsibility. 

Actions Taken 1. I purchased the phone in XXXX this year. 
2. I returned the phone to XXXX, who confirmed they received it. 
3. I contacted Citizen One Bank to inquire about the charges and was told I would receive a follow-up call on Wednesday, XX/XX/XXXX, but no one reached out. 
4. I have repeatedly tried to resolve this by calling both companies, but they continue to defer me to one another. 

Requested Resolution I am asking that Citizen One Bank stop charging me for the returned phone and remove any charges related to it from my account. I would also like a written confirmation that my account has been adjusted to reflect the return and that no further payments are required.
Consumer complaint received 2024-10-07
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL (AZ)

I contacted PayPal credit to advise them that the interest rates they were giving me made it impossible to pay off so I asked if I could make a settlement and they agreed and sent me the settlement letter after paying off the settlement it still shows a unpaid balance and that actually lied about the whole settlement I have the letter they sent me sincerely yours XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>, I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand theses payments be updated to paid on time immediately, Thank you for your understanding and prompt action.
Consumer complaint received 2024-11-01
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. (CA)

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the XXXX XXXX reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between XXXX, XXXX, and TransUnion regarding the Date Last Active. XXXX XXXX reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate XXXX XXXX standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. One bureau reports a 30-day late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of XXXX XXXX guidelines. 
Late Payment History : The account indicates a single 30-day late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXXXXXX XXXX XXXX Account # XXXX : ** Date Last Active : XXXX and XXXX show different dates for when the account was last active, and the comments mention a 30-day late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
XXXX reports late payments differently than TransUnion. This failure to follow XXXX XXXX standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating XXXX XXXX requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being Current while also listing late payments are contradictory and require clarification in accordance with XXXX XXXX guidelines.
Consumer complaint received 2024-11-01
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 am writing to formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$15000.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Today, I was shocked to find incorrect accounts suddenly showing up on my credit report, and Im completely baffled as to why. Checking my credit report regularly is part of my routine, so I was taken aback by these unexpected errors.
Consumer complaint received 2024-11-01
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. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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 am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. Due to a data breach, I am a victim of identity theft, and the accounts and inquiries listed below are unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of such fraudulent information from my credit file. 
Accounts to be blocked and deleted : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have been calling Equifax since the week of XX/XX/2023. I was told that they needed additional documents but would not give me the exact reasoning for why the additional documents were needed, but since I was applying for an apartment and the apartment complex could not access my credit due to this particular credit bureau, I sent it in. I sent the paperwork on XX/XX/2023, and it was delivered XX/XX/2023. I called a week later and was told that they still had not received the documents and was not able to further proceed. I was told that I did not have a credit report attached to my file and there was some incorrect information in my part. I was also told if it needed to be escalated to an investigation it would take 30 calendar days to complete, so they told me to call back in a couple weeks. So fast forward to today, after sending in all the supporting documents to the po box the associate told me back in XXXX, they are still telling me that they have not received it. They asked me what po box it was sent to and since its been a month ago now, the tracking number that I have is not showing me the exact P.o. number, but I can guarantee that it was sent to an Equifax po box in XXXX XXXX The associate I talked to today told me that the information the last associate provided may not have been the right po box and I would have to send in even more supporting documents, which is almost impossible because I dont have access to a printer, so while I was trying to locate the exact po box that the documents were sent to, the associate disconnected the line, which is very unprofessional. I have no idea what to do in this case and its been making it very difficult to apply for apartments in this case. I am having extreme difficulty even though I have literally done everything on my end.
Consumer complaint received 2024-11-01
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NV)

Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had two unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (FL)

I have tried to tell Avant about display issues on their website that affect my ability to make payments. I first noticed this discrepancy because my expense tracking/budgeting software never aligned with my account balance. 

While my circumstances aren't relevant, I aim to pay my cards to zero before the statement closes to avoid reporting a balance on my credit report. Because of incorrect information shown on Avant 's site, I often end up closing with an unwanted balance. 

The Avant website has two reporting issues : ( 1 ) the " current balance '' is sometimes incorrect, and ( 2 ) recent payments are duplicated in the transaction history I've attempted to report these bugs by e-mailing screenshots to Avant, but I am directed to call if I have " questions about my account. '' In my attached screenshot, my account shows a {$0.00} balance, with a {$28.00} charge and {$28.00} payment pending. You'll notice that my recent {$110.00} and {$81.00} payments show twice in the transaction history, both as pending and posted transactions. 

On top of that, manually adding each transaction to the starting balance results in a {$23.00} balance, rather than {$0.00}.
Consumer complaint received 2023-07-08
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. (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.

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 2023-07-08
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. (CA)

In accordance with the fair credit reporting act convergent account, # 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. 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. also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I sent dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX, all of which are attached below to verify or delete a XXXX  XXXX bankruptcy. I received responses they do not believe it is me filing the disputes, and they have taken no action for investigation. Moreover, they are vague and refuse to supply their method of validation from the court with copies of the records.
Consumer complaint received 2023-07-09
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. (DE)

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies : XXXX XXXX XXXX XXXX XXXX XXXX, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accidenXXXX XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX Bank credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sold to XXXX XXXX XXXX XXXX each company uses the samXXXX account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.