davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (PA)

XXXX XXXX XXXX, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent Transunion credit report I've notice that the following accounts are in fact inaccurate and therefore in Violation of FCRA rules section 1681. 

Account under the name : XXXX XXXX XXXX Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681 Violations ; Account does not report first date of delinquentcy, a violation of FCRA rules section 1681 Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681
Consumer complaint received 2023-10-02
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. (TX)

After checking my consumer report, XXXX XXXX XXXX is reporting a 30-day delinquency late payment : Account number XXXX. I am demanding the following 30 day delinquency late payment be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-10-01
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. (IL)

I am currently trying to educate myself on credit and how to utilize it. I recently downloaded a few credit score posting sites, only to find out that lines of credit were obtained using my social security number. I was a victim of a security breach years ago. Someone has diligently used my social security number to obtain lines of credit. I have reported this to the federal trade commission as well.
Consumer complaint received 2020-06-01
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. (TX)

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example Equifax confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on Equifax, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Consumer complaint received 2020-06-01
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. (VA)

I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.
Consumer complaint received 2020-06-01
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/20, I logged into the Barclays website to request a credit line increase for my Uber Credit Card. 

I submitted the CLI request and immediately received notification from various credit monitoring services that a hard inquiry was placed on my credit report ( s ). I did not approve or acknowledge this hard inquiry, nor would I have proceeded with the increase request if a hard credit report pull was being conducted. There is/was no disclaimer or opt-in for approving or acknowledging a hard inquiry. This is normally disclosed by a credit card issuer prior to submittal of credit line increase request. I have a screenshot of the page and there is no disclaimer informing the consumer that a hard credit report is inquiry is being made. This is extremely misleading. 

I would like Barclays to show where and how on the Credit Line Increase request web page where the consumer " opts-in '' and/or agrees to a hard inquiry on their credit report. Please show this page as published on XX/XX/20. 

In summary, this was an unlawful, unapproved credit inquiry.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (TX)

I was denied a loan by XXXX XXXX on XXXX XX/XX/2020 based on the recommendation of detail from Experian. I applied for a $ XXXX motorcycle loan. I have $ XXXX in savings, receive $ XXXX annually from my military retirement and VA XXXX and an additional $ XXXX payroll from my XXXX with I am the sole owner. I have a very good credit ( XXXX ) with a debt to income ratio of 20 %. The loan would raise my DTI to 24 %. Experian denied my credit application and the provided explanation was nonsensical. I have attempted to follow up with XXXX, but they rely solely on the Experian approval for loans. While I am positive I will be able to secure a loan through another company, Experian 's ability to deny my credit application leads me to believe that they are abusing their position in the financial market place and there is no mechanism of recourse in addressing this with them.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc (NY)

Back in XXXX this paypal company would not admit to law enforcement agencies that they lied about XXXX XXXX and XXXX XXXX connected paypal account under XXXX XXXX XXXX dba name. I have signed XXXX XXXX up with his permission and he was right there with me giving me his social security number. He lied to his father who was a lXXXX  and then acted like his identity was stolen which is was not. He had part ownership in my XXXX. His parents gave him XXXX and I XXXX them for him to make a little money. I can't believe the politician 's up in congress and senate allowed this company to even be class action banned. This is illegal what they did to my business partner and i and unethical. XXXX women or women of XXXX religion need their male business partner to do business and taxes. This violated religious rights and human rights of both XXXX and XXXX belief system. This trump administration got caught purposely denying sba loans to XXXX owned restaurants in XXXX, n.y. who had to liquiate curtains just to pay their bills. The worker there said in XXXX she was sick of her drivers smelling of XXXX thankyou for saying something to those politicians up in washington. This is human rights violations of this company. By the way my first dba was XXXX XXXX  which XXXX XXXX that may of been offensive to the XXXX religion and the 2nd dba was XXXX XXXX XXXX to save the other business mans life. He didn't know how important the XXXX XXXX XXXX company name XXXX  was to saving his life. A bunch of real XXXX  could of come after him so I was his father to know the XXXX  company had to be formed. His father would not admit it to law enforcement or tax agencies either that I know of. I am not a theif or identity theif either. He should never have lied. Now this president trump denied my sba loan because of suspected perjury and i have no other way out than to hire a professional lawyer. If i had my stimulas funds i could of done that. Someone took my XXXX XXXX funds away by removing my debit card from my mail box and i want to know why. I also want to know why the president abused his presidential powers by delaying things opening. I needed my stimulas check even though it probably is dirty seized XXXX XXXX MONEY.
Consumer complaint received 2023-10-02
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. (OH)

In accordance with the fair credit Reporting act the following XXXX Accounts 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 a 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 and purpose. 

XXXX XXXXXXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX : Hard inquiry XXXX XXXXXXXX XXXX XXXX : closed account/late payment XXXX XXXX XXXX XXXX : closed account/late payment XXXX XXXX XXXX : collection It also states 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 602 A section : 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 conviction 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 2023-10-02
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. (OH)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT HAS VIOLATED MY RIGHTS. 
ACCOUNTS # XXXX. # XXXXXXXX XXXX XXXX. XXXX XXXXDEPTEDXXXX {$1300.00} XXXX. # XXXXDEPTEDXXXX  {$1500.00} XXXX. # XXXX-DEPTEDXXXX {$5000.00} XXXX # XXXXDEPTEDXXXX {$3500.00} 15 U.S.C 1681Section 602 A State : i Have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its Also State a Consumer Reporting Agency can not furnish a Account without my written Instruction.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (MA)

THE DISPUTE I bought what XXXX XXXX  advertised as a NEW XXXX XXXX XXXX XXXX. 
It was NOT NEW, XXXX XXXX? shipped me a used XXXX XXXX XXXX XXXX. 

There were numerous XXXX, most everything with this Crossbow looks used, broken, or defective. 

At the time I purchased the Crossbow from XXXX XXXX Warranty support was from XXXX XXXX at XXXX XXXX. 

Recently, I receive an email regarding a Warranty issue from someone named XXXX, with a XXXX Phone Number and an Oregon, USA address ( NOT at XXXX XXXX ), who does not seem to understand Crossbow Operation or Crossbow Nomenclature. 

I get an email from someone else, also NOT at XXXX XXXX ( XXXX ), who wants to talk only via phone. 
In my opinion, XXXX did not want email documentation, but most importantly, I believe these people are scamming me, and that they do not work for XXXX XXXX or XXXX XXXX. 

THIS IS AN ONLINE SCAM! 
Discover Credit Card said that the XXXX XXXX Dispute was resolved in my favor. The Discover Credit Card Account I was told would be CLOSED ( at my request ) with its XXXX balance, and confirmed via U.S.P.S. Mail, Dispute Resolved in my favor and Account Closed, Balance XXXX. 
This is an Online Scam. I never received the confirmation via U.S.P.S. Mail that Discover send they would send to me. 

I KNOW someone is trying to get me to pay {$1300.00} for a used XXXX XXXX XXXX XXXX, so they can send me a Return XXXX  for a refund, and say they never received it back. 
XXXX XXXX XXXX  Tracking always shows Delivery Exception, re-routed to an alternate address ( alternate address is never not posted-XXXX ). 

I purchased it once If really XXXX XXXX  was the seller, I only need be shipped what I paid for once. 
This is a Scam.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( XXXX XXXX )
Consumer complaint received 2020-05-31
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

There is a charge on my account that I am disputing. I did not make this purchase. The date of the purchase on my statement shows XX/XX/2019. The name of the Merchant on the statement shows XXXX XXXX XXXX and the amount of the charge is {$140.00}. As soon as I realized there was a charge on my credit card statement I contacted the credit card company and reported this charge as fraud. The credit card company said that they would investigate this charge. Later I was contacted by the credit card company and they said that indeed the charge was fraud and would remove it. Then after some time the credit card company sent me a letter saying that the charge was valid. I contacted the credit card company again and explained that this is fraud and I never made the charge. The credit card company said that they will investigate and contact me again. They never contacted me again. Now the credit card company is threatening to send me to collections over this charge that I never made.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (NY)

I do not have a contract with the companyCredit Control sent me a dunning letter XX/XX/23 i responded with a dispute to challenge debt XXXX XXXX never sent a dunning letter to put anything on my credit file also XXXX XXXX the debt collector Credit Control LLC XXXX XXXX Credit Control Collections LLC are all companies of XXXX XXXXXXXX XXXX  does not have my express written consent or any permission to have my information, it is Identity theft the company Credit Control does not have. my permission to contact me NY State Law clearly states in XXXX Right to Privacy, 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see Wadlington V Credit Acceptance Corp or substantiation of the alleged Debt see 23 NYCRR part 11.4 Department of Financial Services V Foster & Garbus
Consumer complaint received 2021-01-03
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: Resurgent Capital Services L.P. (AZ)

I have had account with a debt company that had a judgment that was paid in full and the XXXX  is still reporting as not paid.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA HAS NOT CORRECTED ERRORS FROM XX/XX/2019 STATEMENT. ** MERCHANTS JUST REFUNDED CREDITS XX/XX/2019 HOW COULD THEY POSSIBLY BE NEW PURCHASES XXXX??? See attatched XXXX XXXX XXXX XX/XX/2019 {$200.00} & {$280.00} REFUNDED NON DELIVERIES. See attatched XX/XX/2019 NEW PURCHASES {$200.00} & $ XXXX I DID NOT AUTHORIZE TO PURCHASE OR BUY BACK. USAA DOES NOT CORRECT BILLING ERRORS OF 2019.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX