davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went to the XXXX Massachusetts BoA branch today and still was offered no resolution to claim XXXX. 

The bank sent a check to my landlord XXXX which bounced. The bank then began sending a series of checks to my landlord which never arrived. 

The bank took {$1400.00} from me XX/XX/year> and still REFUSES to return my funds. 

The bill pay department responsible for issuing checks refuses to return the funds to me and continued to issue new checks in my name without my authorization or even notification. 

Today I received a notice to quit because the bank never sent any funds to my landlord. The bank REFUSES to provide any evidence that they sent payment. They refuse to return the money calling it the " banks money '' when it's clear by looking at the statement that money is XXXX. 


The bank NEVER had any authority to issue more checks in MY name.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-25
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I am writing to formally file a complaint against PayPal regarding unlawful practices concerning my account, particularly related to blocking my ability to dispute a transaction and forcing me into a negative balance. 

Background : On XX/XX/year>, I made a purchase with XXXX, processed as an instant transfer by PayPal. 
On XX/XX/year>, XXXX refunded the amount, which was credited to my bank account ending in XXXX. 
The following day, PayPal placed my account in a negative balance of {$42.00}, despite the refund being processed. 

Previous Experience : This is not the first time this has happened. In a prior incident, after disputing a transaction with my bank due to a scammer, my bank refunded me, and PayPal still put my account in the negative. They also blocked my ability to dispute the transaction. When I tried to file a complaint, PayPals system said the transaction ID was not available for dispute. 

Ongoing Issues : PayPal representatives have repeatedly told me that the only solution is for me to add funds to my account, despite my clear explanation that the transaction was refunded. 
I have received repetitive emails and calls from PayPal with the same answers, insisting I pay the negative balance, but they have ignored my requests to dispute the charge. 
PayPal informed me that this is part of their legal agreement, but it is still illegal under U.S. consumer protection laws to block my ability to dispute the balance. 
PayPal told me to contact the websites where I made these purchases. After I did so, they still kept my balance in the negative. 

Legal Violations : Under U.S. consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and Electronic Funds Transfer Act ( EFTA ), I have the legal right to dispute unauthorized or erroneous charges before being required to pay. Blocking my ability to dispute this balance and continuing to ask for payment is both unethical and unlawful. 

Despite requesting all communications be handled via email, I was contacted through PayPals message center by a representative named XXXX, and the platform doesnt allow me to respond. PayPal has yet to honor my request for email communication and has failed to escalate the issue properly. 

Request for Assistance : I am requesting your assistance in investigating and addressing these unlawful practices. I have already filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and will pursue legal action if PayPal continues to violate my consumer rights. 

Thank you for your time and attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-21
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. (MO)

This account was charged off on the following date XXXX, 2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history, This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX A XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-04
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two unauthorized inquiries on my credit report ( XXXX ) XXXX XXXX XX/XX/XXXX. ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX. I have informed all three credit agencies about these unauthorized inquiries requested that they be removed, but they failed to do so. I had no dealings or any type of business with these institutions, I do not recognize any of these inquiries and I would like the removed from my credit reports. I have also attached a identity thief report along with my identification. Furthermore, I also submitted an old identity thief report that happen with an inquiry that was reported and removed dealing with XXXX XXXX. So why is this happening again! Please removed this from my credit reports. Thank you.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (AR)

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to address an issue with my Capital One credit card account ending in XXXX, opened on XX/XX/XXXX. Despite the account being closed on XX/XX/XXXX with a balance of {$0.00}, it continues to negatively impact my credit score, listed with a derogatory status. 

I made my last payment on XX/XX/XXXX and have been responsible for this account as an individual. I am unsure why the account is still reported with a derogatory status, as the balance has been fully paid off and closed for over a year.

I kindly request that this matter be reviewed and that the status of the account be updated to reflect its closure and {$0.00} balance so it no longer affects my credit score.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX, which has negatively impacted my credit report. The incorrect information is being reported to both XXXX and TransUnion. Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. 
XXXX. Issue with TransUnion Reporting : On my TransUnion report, the payment status incorrectly states 30 days late, even though the past due amount shows zero and there are no 30-, 60-, or 90-day late payments reported. This discrepancy clearly shows the inaccuracy of the reporting, as the account should simply state Paid as agreed with no late payments recorded.

4. Incorrect Reporting Practices : According to my communication with XXXX, they claim the 30-day late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. The loan was paid off in full by the dealer within the appropriate time frame, and the account has always been in good standing. XXXX continued reporting of a late payment is misleading and incorrect
Consumer complaint received 2024-09-20
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. (NC)

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 XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX, which has negatively impacted my credit score and ability to obtain financial services. 

Background of the Dispute Upon reviewing my credit report, I have identified that XXXX has reported late payments across multiple credit bureaus : XXXX : 30 Days Late as of XX/XX/year> XXXX : 150 Days Late as of XX/XX/year> TransUnion : 120 Days Late as of XX/XX/year> These discrepancies are not only inaccurate but have caused significant harm to my financial reputation. I am particularly concerned that XXXX has not followed the proper procedures required by the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards.

Legal Grounds Violation of 15 USC 1681 Section 602 : This section guarantees my right to privacy regarding the information reported on my credit report. It is my belief that XXXX failed to comply with this by not securing my authorization for reporting such data. 

Violation of 15 USC 1681 Section 604a ( Section 2 ) : This section prohibits consumer reporting agencies from furnishing information without my written consent. I have no record of authorizing XXXX to report these late payments. 

Violation of 15 USC 1666b : This section mandates that creditors must ensure periodic statements are sent at least 21 days before the payment due date. There is no evidence that XXXX followed these reasonable procedures for my account. 

Requested Action Detailed Investigation : I respectfully request that the CFPB initiate an investigation into this matter to ensure compliance with FCRA standards. Please require XXXX to provide certified internal documentation showing how they verified these late payments and the methodology used in the investigation. 

Removal of Late Payments : I demand that these inaccurate late payments be removed from my credit report. Given the documented inconsistencies across the credit bureaus, the accuracy and validity of these claims are questionable. 

Correction of Credit Report : My credit report should reflect the correct payment status for this account, indicating Pays as Agreed or Paid As Agreed as appropriate, and all late payment marks should be deleted from the record. 

Attached Evidence To support my complaint, I have attached my credit report showing the discrepancies in the reporting of the XXXX account across XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-10-29
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items is being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEMS? I believe you have n
ot verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.