davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report. These accounts and inquiries do not belong to me, and I request that you investigate and remove them immediately, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the accounts and inquiries in question : XXXX. XXXX, Account # : XXXX, Bureau Code : Joint, Balance : $ XXXX I am not aware of this account, nor have I ever opened a joint account with XXXX This account is fraudulent, and I request that it be removed immediately under 15 U.S. Code 1681. Please take immediate action to remove this fraudulent account from my credit report. 
XXXX. XXXX, Account # : XXXX I have never owned a credit card. XXXX account is fraudulent. Please remove this account from my credit report promptly. 
XXXX. XXXX, Account # : XXXX, XXXX : $ XXXX I have never received any notification or documentation regarding this debt, which denied me the opportunity to dispute it. I contacted the collection agency immediately after seeing this account on my credit report, but they have failed to provide adequate documentation to validate the debt. This is a violation of the Fair Debt Collection Practices Act, and I request that this account be removed from my credit report. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX This account is invalid, and its presence on my credit report is a violation of 15 U.S. Code 1681i ( 5 ), which mandates the removal of invalidated credit information. I demand that this account be removed immediately. 
Fraudulent Inquiries : XXXX XXXX These inquiries were made without my authorization, and I request their immediate removal from my credit report as they are fraudulent.

Please send me written confirmation once these fraudulent accounts and inquiries have been removed from my credit report. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (PA)

I applied and was approved for a PNC credit card which offered a {$200.00} statement credit for {$1000.00} spent within the first XXXX days of account opening. My account opening date was XX/XX/XXXX and I have not received my credit cards as of XX/XX/XXXX ( XXXX elapsed days ). So the promotional offer is only XXXX  days, not XXXX days. PNC representatives confirmed that there is a credit card production/shipping issue which has delayed delivery of the cards. So they have breached the terms of their offer and are not allowing XXXX  days to receive the promotional credit. I contacted PNC to request an extension to the promotion or reset my account opening date to the ship date of the card and PNC declined both.
Consumer complaint received 2024-10-22
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : 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 XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-15
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: LEXISNEXIS (VA)

I requested validation and proof I was given the option to opt of having my information shared with a 3rd party. I sent this to the Department of Education and XXXX. XXXX removed the items on XX/XX/2024 dispute # XXXX, then put them back. The Department of education has not provided any information with me. I have multiple disputes with you and they have not responded to you either. Please have all 4 credit reporting agencies remove these accounts from my reporting file : Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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. (AR)

Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), {$3100.00} XXXX XXXX XXXX, {$23000.00} XXXX XXXX, {$2400.00} XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX, {$5000.00} XXXX XXXX {$670.00} XXXX BANK, {$1800.00} XXXX  XXXX XXXX, {$550.00} XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  ), {$690.00} XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX BANK, XXXX. ), {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ), {$1700.00} XXXX looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (DE)

XX/XX/XXXX taxes done reopened my credit karma account XX/XX/XXXX taxes initiated into my credit karma account XX/XX/XXXX they close my account before my money hits my account XX/XX/XXXX got a email to call explain why my account frozen XX/XX/XXXX called no explanation why just wait for a email
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

Here is a detailed account of the circumstances that led to the missed payment and why I believe I am not at fault : 1. Account Access Issues : Both the authorized user and I were locked out of the online bank account, preventing us from making the necessary payment. 
2. Customer Support Limitations : When we reached out to customer support for assistance in unlocking the account, we were informed that they could not provide the account number, which was required for us to regain access. 
3. Payment Made Over the Phone : To resolve the issue, we decided to pay the full remaining balance over the phone end of XX/XX/year> for XXXX. During this process, we were assured that there were no additional charges outstanding. 
4. No Additional Purchases : After making the payment, no additional purchases were made on the account. 
5. Credit Score Impact : Despite our efforts, I noticed my credit score dropping from over XXXX to around XXXX after a month and a half. Upon investigation via credit karma ( again still no access to credit card account directly ), I discovered that a small balance of approximately {$25.00} remained on the account and had grown to around XXXX due to late fees, which led to the negative impact on my credit score. 
6. Resolution with Customer Support : I contacted the collections department and spoke with a team member who provided the account number, enabling me to finally be able to sign in, review the account, and pay off the remaining balance, including late fees. We noted that the previous support agent changed the payment alerts from the authorized users email to an email that we do not use to be notified for payments. After explaining the situation, the team member agreed that I was not at fault and credited the late fees back to my account.
Consumer complaint received 2024-10-11
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. (MD)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-11
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I KINDLY REQUEST YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT, PURSUANT TO SECTIONS 605C OF THE FAIR CREDIT REPORTING ACT.I AM A VICTIM OF XXXX XXXX XXXX XXXX AD WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed late payments listed. I sent letters over 30 days ago but have not received a response, and I have not received satisfactory validation. I would appreciate your assistance in resolving this matter. Thank you.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/year> Consumer Portfolio Service XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards,
Consumer complaint received 2024-10-11
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 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 XXXX XXXX  Account Number : XXXX and 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 2024-10-11
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. (NY)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

I was using paypal for long time and i always paid my bills, but I was scammed and I contacted to my bank and I informed about the problem, because some people took XXXX plus XXXX from my bank account and my bank was investigating and they resolved the problem and sent me the money back, now I got the notification that I have to pay that money that.