davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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 2023-09-30
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. (WA)

I would like to know how XXXX already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasn't even got back to the attorney general that I filed a complaint file number XXXX XXXX verified XXXX XXXX as accurate but XXXX XXXX hasn't got to the attorney general or cfpb
Consumer complaint received 2024-10-21
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. (NC)

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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

The company APPLE CARDGS BANK has obtained my consumer report on XX/XX/2022, XX/XX/2022 and XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to APPLE CARDGS BANK to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation (WV)

I want to address an issue concerning debt collection related to a debt that I do not owe. In late XX/XX/2023, I contacted the business to dispute charges on my account that were not mine. A representative acknowledged the problem and promised to investigate but failed to follow up. In XX/XX/2023, I learned that the disputed debt has been reported to a credit bureau and sold to another collection agency, now totaling {$810.00}. I'm facing ongoing harassment through email, mail, and phone calls. This situation has adversely affected my finances and creditworthiness even though I tried to be in contact to figure out a resolution to the issue. 

My spouse has also got calls, emails, and now a letters regarding the disputed debt for an account of which I am the main holder. XXXX XXXX XXXX  has incorrectly directed the same letters, calls, and messages to my spouse, falsely claiming that the debt has been sold and non-payment reported to the credit bureaus.
Consumer complaint received 2023-09-30
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
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. (GA)

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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2018-05-23
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: EQUIFAX, INC. (MA)

Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with Equifax and XXXX and collection is still being reported
Consumer complaint received 2023-09-30
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. (AL)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2023-09-30
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have made several formal written request to XXXX XXXX regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are Capital one and XXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I  feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,
Consumer complaint received 2023-09-30
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX 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 XXXX XXXX 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 2024-10-21
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: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX our victim sent {$600.00} to a family member with PayPal through XXXX XXXX. 

This money was received by the family member at that time. On XX/XX/XXXX at around XXXX the family member sent {$600.00} back to our victim. An issue with the PayPal account that was associated with XXXX XXXX  prevented our victim from receiving it. 

Our victim contacted PayPal to get this resolved, they told her " we will refund the {$600.00} back to [ the family member ] which will take a while, don't call us about it again, because we don't know when it will be complete. '' Over the course of several months our victim contacted them repeatedly to resolve this issue and still has not received a resolution. On Thursday XX/XX/XXXX we called PayPal and spoke with XXXX who was unable to find the previous calls and said our transaction number was invalid, even though we could see the transaction in the deprecated account. She created a trace over the transaction and said it would be complete within 48hours and we would receive an email, we confirmed that this included the weekend. 

Unfortunately that email was never received. So today we called PayPal to follow up and spoke with XXXX who was unable to find previous calls as well and could only see XXXX case that she created. We were told conflicting information regarding case numbers, transaction IDs and resolution time. According to XXXX it would take another 72 hours starting Monday, because XXXX filed the report on Friday or Thursday, she was sketchy with all details and continued to give us contradicting information, and when asked she was unwilling to provide a reference number, but did provide a PayPal ticket number. XXXX We informed them that because they would not give accurate and true information, nor a proper resolution that we have no choice, but to involve additional agencies.
Consumer complaint received 2024-10-21
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CREDIT COLLECTION SERV ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 

12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (IL)

Collection agency name : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2019-08-11
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. (GA)

On XX/XX/2919 a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019.

Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days.

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/2023 I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by Comenity Bank, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXX