davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report.

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to XXXX XXXX Equifax and XXXX about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

I had a Discover credit card for decades always in good standing. 

My wife has been in a XXXX XXXX  for over a year and now under XXXX  XXXX. I called Discover in XXXX of XXXX to request that her name be removed from the card. I was advised they could not do that, that I would have to cancel that card and request a new card under just my name. 

So I followed their advise and canceled the card which included my wife 's name. I then requested a new Discover card, as they recommended, under just my name XXXX XXXX. I applied for the new card the SAME day that I canceled as they advised me to do. Discover personnel, then informed me they would NOT approve the new card because my credit report indicated that I had only 2 credit cards to my name! 

I'm XXXX XXXX XXXX and used this card to pay most of my bills. When the card was canceled there were numerous outstanding automatic charges that hadn't processed and I did not know what they were. Therefore, I started to receive notices of non-payment with added penalty fees. 

I personally think the reason they denied the new card was NOT valid. I think the real reason they denied it was because they had paid out too much in rewards to me and they wanted to dump me. 

As I stated, I had this card for decades. I always paid the full balance due monthly and on time. 

This has created a great hardship for me. It took me over a week to receive a new card from another source my bank... XXXX XXXX. This has been very inconvient to say the least, I still have no idea of automated payments that may have been denied. 

I have destroyed the card and can't provide the complete card number. 

The card was under the name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number ending in XXXX
Consumer complaint received 2022-06-20
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-09-18
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 (TX)

XXXX XXXX PayPal merchant id : XXXX Last XXXX : XXXX XX/XX/XXXX gift of {$1000.00} from XXXX XXXX They restricted my account. I sent credentials they asked and reason. I called XX/XX/XXXX appealed, they said I would get contacted but didnt. I called XX/XX/XXXX to confirm the appeal they said the decision was already final and they couldnt provide any information. I will not be able to transfer my funds for 180 days. It funds for XXXX  how am I supposed to wait 180 days
Consumer complaint received 2022-12-03
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: ENCORE CAPITAL GROUP INC. (TN)

In accordance with the fair credit Reporting act XXXX Account Midland Credit Management has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

There is an entry on my XXXX credit report that appeared in XX/XX/2022 from SA-VIT XXXX XXXX  collections agency for {$240.00}. This debt does not belong to me and it should be deleted from my credit report. I mailed this company a debt validation letter on XX/XX/2022, asking them to validate the debt or delete it from my credit profile. I am attaching a copy of this letter to this complaint. As of XX/XX/2022, I have not received a written response from SA-VIT XXXX XXXX nor has this invalid entry on my XXXX been removed. I am asking that you please ask this company to delete this entry from my XXXX credit report as it is not mind and they have not proven the validity of this debt.
Consumer complaint received 2022-06-21
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)

I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

Dear CFPB Representative, I am writing to formally lodge a complaint against Sunrise Credit Service for the false reporting of a collection account on my credit report. This collection is the result of identity theft and pertains to a utility bill allegedly from XXXX XXXX, which I did not open or authorize. I have taken steps to rectify the situation, including filing an identity theft report with the Federal Trade Commission ( FTC ) and a complaint with my state 's Attorney General regarding the false debt. I respectfully request that the CFPB investigate this matter and assist in having the fraudulent debt removed from my credit report. This has caused significant harm to my financial standing, and I am eager to resolve the situation as swiftly as possible. Please feel free to contact me for any additional information or documentation required to support this complaint. I appreciate your time and attention to this matter. If this collection is not removed I will bring lawsuit against this collection to have it removed.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I mailed my remittance coupon to them, filled out completely and legally To my knowledge. 
XX/XX/XXXX At some point, I talked to them. I dont know which day, but XXXX of their workers talk to me through writing out the remittance coupon the right way. 


I mailed them a follow up letter with a copy of the remittance coupon XX/XX/XXXX On XXXX XXXX XXXX I talked to a supervisor and they told me that they do not go by the XXXX and that they do not recognize my payment as payment
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (TX)

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my Experian, XXXX and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I have been trying to get item from a seller on your platform XXXX XXXX an a unauthorized transaction of {$410.00} and {$420.00} was done on my card, I have reached out to my bank and my bank told me to try and work with the buyer first, I reached out to my seller and seller agrees to refund but while she try to refund, Square wont allow her send the money back to my card, look into the transaction with my card details .. the invoice was sent to another email entirely and not to my email that Im sending this message from please do not release money to the seller and kindly allow refund I have attached video and picture evidence of Square not allowing refund Ill file same case with XXXX  and consumer fraud! I need my money and I have attached all prove from my account history, kindly allow refund and call the seller to inform her that she can now initiate refund back to me, DO NOT RELEASE MONEY TO HER ACCOUNT AS I WILL DEFINITELY CHARGE BACK IF MY MONEY IS NOT REFUNDED!
Consumer complaint received 2022-06-21
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. (TX)

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, Equifax and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Consumer complaint received 2022-06-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # 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
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 instructions
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies Equifax Information Services LLC, XXXX XXXX XXXX XXXX, nor XXXX XXXX, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
Consumer complaint received 2022-06-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, and # XXXX - US Bankruptcy Court 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
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


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Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a vicitim of identify theft froud when I went to rent and apt i discovered that my ex boyfriend at leaset that what i believe used my personal information to obatin credit apartments and ect in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated ASAP XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breacheXXXX XXXX XXXX XXXX  amount {$1300.00}
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
XXXX I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
XXXX I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.