davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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/year>
Consumer complaint received 2024-08-22
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. (SC)

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX 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 a account without my written
Consumer complaint received 2024-10-10
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Each and every time I try to request my credit report using any of the company provided automated phone numbers ( XXXX pr XXXX ), after going through the proper process of entering my information correctly, the system repeatedly disconnects the call after it asks if I would like to order the credit score for {$9.00} and I answer with ( NO ) at least XXXX or more times. The automated system is rigged to disconnect the process of ordering my free credit report unless I agree to ordering the {$9.00} credit score along with the report. Therefore not allowing my to XXXX the automated system to order my report and forcing me to call only during regular business hours to speaking with a live representative by phone. Who then advises me to sign up for the online account to obtain my credit report. I should not have to sign up for any online account, nor agree to pay {$9.00} for a credit score that I do not want, nor only have access to ordering my credit report using a live rep only during office hours. As the company alleges, I should be able to use the automated system to easily order a copy of my credit report without being required to agree to the {$9.00} credit score if I choose not to request the score. The automated phone system should work properly whether I am requesting my disclosure with or without the credit score. I feel this system is rigged to do this because each and EVERY time it gets to the option to ask whether I wan to order this credit score, and I answer ( NO ), it gets hung up on ( CAN YOU REPEAT THAT ) at least XXXX or more times and then says " GOOG BYE ''.????
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

I coordinated a group trip and purchased ( XXXX rooms ) an all-inclusive vacation through XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a travel agency in the United States contracted to book as a representative of the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The dates of stay were XXXX XX/XX/23. My package included unlimited food & drink/ premium alcohol and numerous hotel amenities as a Delux Privilege guest, which I did not receive. XXXX  XXXX XXXX stopped all communication on XX/XX/23. Therefore, I refuted the cost with my credit company and was denied credit without explaining the services rendered. 

My complaint is to have the charge versed for an upcharge of non-existent privilege amenities, sewerage back-up and smell, lack of a/c, no room service, and non-use of the room due to the weather conditions. Additionally, I was relocated after 5 days of complaining to another room, which flooded twice, had drain flies and an ant infestation. 
The agent language provided after I paid does not absolve the merchant from delivering a paid service and keeping funds.
Consumer complaint received 2024-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Debt Collection Entry - 15 U.S.C. 1666 ( b ) Dear XXXX, I am writing to formally dispute a debt collection entry listed on my credit report in accordance with the Fair Credit Reporting Act and specifically under XXXX U.S.C. 1666 ( b ). I request that you investigate this matter and remove the inaccurate reporting from my credit file. 

The entry I am disputing is as follows : - Creditor Name : portfolio recov Assoc - Account Number : XXXX - Date of Entry : XX/XX/year> - Amount : {$480.00} According to 15 U.S.C. 1666 ( b ), if I have notified the creditor of a billing error and the creditor has failed to respond or resolve the issue within the required time frame, any negative information related to that debt should not be reflected on my credit report. 

I have previously contacted portfolio recov Assoc regarding this matter and provided them with the necessary information to dispute this debt. However, they have not responded appropriately, and as a result, I believe this entry is inaccurate and should be removed from my credit report. 

Enclosed with this letter are copies of any relevant documentation, including my correspondence with the creditor and proof of my notification regarding the billing error. 

Please investigate this matter and take the necessary steps to remove the disputed entry from my credit report. According to the Fair Credit Reporting Act, I request that you complete your investigation within 30 days and provide me with the results. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-10
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)

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS 4 ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (MS)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report, filed on [ date of original dispute ]. Despite my prior communication, these inquiries remain on my report, causing significant harm to my credit score.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I was told by a case earlier that I would be able to receive the money in my Venmo account up to 180 days later. But today is 180 days since the transaction and I still dont have the ability to transfer out my funds. I have proof of what the Venmo representative said in the last case, Ive waited a very long time to access my own money and this service chooses to hold my money.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXXXXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TN)

For the whole year of 2023 the company essentially reported that they did not receive any payments. They have received 30 payments so far and Im only behind by {$1400.00}. When you log into the account you can not see information like daily interest accrued or what the interest rate is Essentially my balance is more then what I originally singed for on the contract. They are deceptive and yes while I know my credit was not the best when purchasing the vehicle its not their choice to make it merely impossible to pay the loan down.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX I was making a transfer from Venmo to my checkings bank account. I have {$4900.00} US dollars in my Venmo Account that I was transferring to my bank so I can pay my bills. Venmo had declined the transfer and locked my account with the money in it and will not answer to emails in over 3 days. This money was supposed to pay for my monthly bills, now I am going to be either overdrafted, charged interest, or fined because they are holding my money hostage on their app. I rarely use this app and have all my personal information and documents ( such as proof of identification ) uploaded so they don't suspect any suspicious activity. There is no reason why they should suspend my account with this much funds in it. I've only received an email stating that in order to lift the suspension on my account, I must reset my password. I did this immediately, but my account is still suspended, and still no replies from their support team. I desperately need my money back and I'm worried I will fall behind on my payments if I don't get it within the next 24 hours. Please help me.
Consumer complaint received 2022-10-28
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. (GA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-10-10
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (VA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-10
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)

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS XXXX ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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)

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS 4 ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX