davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (TX)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-31
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. (VA)

I am writing to follow up on my previous dispute regarding the negative accounts on my credit file, which I believe to be unverified and unjust. Despite my earlier correspondence, I am dismayed to find that these negative items still persist on my report.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I sent this letter via XXXX Mail to Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute and Request for Verification and Documentation of Credit Report Entry XXXX XXXX XXXX Dear Experian, I am disputing the accuracy of the following account information currently being reported on my Experian credit report : XXXX XXXXXXXX XXXX XXXX account # XXXX, which shows a status of " Paid in settlement. {$290.00} written off '' and multiple late payments, including 150 days past due. I believe this is being reported incorrectly. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am formally requesting that Experian verify this account information with XXXX XXXX and provide me with copies of the following documentation as part of the verification process : The original contract or agreement that governs the account. 
A complete, detailed payment history substantiating the alleged late payments and the basis for the charge-off. 
An itemized breakdown and accounting of the {$290.00} charge-off amount. 
All correspondence and documentation related to the settlement of the account. 
Proof that XXXX XXXX has properly validated the debt in accordance with the FCRA. 
Please provide me with copies of all documentation obtained from XXXX XXXX as part of the verification process. If XXXX XXXX fails to furnish this documentation or if the provided evidence does not fully verify the disputed information, I demand that Experian immediately delete this negative item from my credit report, as mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX Experian responded via email with this : XXXX XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

I called them, they verified my identity over the phone, and said they " could not '' respond to the letter.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (PR)

On XX/XX/2021 I made a purchase from XXXX for the amount of {$72.00} at the time of the initial purchase that amount was taken from my account. On XX/XX/2021 XXXX withdrew from my account {$41.00}. Then on XX/XX/2021 XXXX withdrew {$7.00} and {$24.00}. I noticed those amount totaled my original purchase of {$72.00}. Meaning {$72.00} was taken from my checking account two times for a total of {$140.00}. Upon calling XXXX they stated they needed a fax number or email from Citibank to send a notice of release for the overcharged amount of {$72.00}. Citi bank states its normal for a company to hold funds more than once for the same transaction. I asked if I bounce any checks due to this who would be responsible and Citi bank supervisor XXXX ID # XXXX simply stated well dont pay more than whats in the bank. I asked if I make a {$500.00} purchase would it be acceptable that the merchant held {$1000.00} from my account and he said it happens sometimes. That is totally unacceptable that a financial institution I trust and expect to keep my funds safe thinks this is acceptable when technically thats a fraudulent transaction being that I only authorized it one time. Im filing this complaint with the hopes that the bank will have to change this policy not allowing a merchant to hold the amount of the purchase more than once. Also, if the bank allows it and the bank customer bounces a check due to this that the bank not be allowed to charge overdraft fees and to pay any fees due to the companies to whom the checks bounced. Its my money and I have a right to say who withdraw funds from my account and the amount. Unfortunately the merchant would have been able to send a fax or email to have the bank release the hold on the overcharges but Citi bank does not provide that option causing me to wait 7 business days for the funds to return to my account. I hereby request action be taken to ensure Citibank customers dont have to go through this. Thank you
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (PR)

I go to the plaza del caribe location on XX/XX/XXXX and XXXX to deposit {$100.00} to cover an amercan express transaction at XXXX and the branch officers told me that the branch is closed. That there is too much customers. I tried to deposit cash on the atm and the Atms told that the card dont work. The bank gives me a provisional debit card that dont work for the transactions. Today XX/XX/XXXX I have a transaction of {$15.00} for a fantasy transaction. They dont post the amex returned payment but charge the fee on the statement. I go today XX/XX/XXXX to the XXXX branch and the manager XXXX XXXX XXXX XXXX attended me, and she dont want to help me. And dont understand the problems. I asked her to fix my debit card problem and she dont want to fix the problem. I ordered her to close the account and she told me that today that is not possible. I want from today XX/XX/XXXX the account closed as my order request was denied by the branch manager. Her service was poor. I asked to give her a letter for the closure of the account and she refused saying that its dangerous clousing the account with a letter.
Consumer complaint received 2024-06-28
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. (MI)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an 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 2024-06-01
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 errors A 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-31
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2021-08-06
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: PENTAGON FEDERAL CREDIT UNION (PR)

Good Afternoon Back in XX/XX/2021 I tried to make a cash advanced {$2000.00} + {$60.00} Serv Fee on my credit card to my bank account, apparently was done the wrong way and the money. 

The credit card number is XXXX XXXX PenFed, I submitted various request for information and they informed that because the bank never received the payment, I still have to pay for the {$2000.00} even that i never received in my account and is holding my credit line. 

The only response the I got was back from PenFed in XXXX and they are waiting for the bank to reply and denied the funds ( XXXX XXXX XXXX XXXX  ) it may take between 4-6 weeks since my first complaint in XX/XX/2021. 
Can you help me resolve the issue Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (PA)

In XX/XX/XXXX, I noticed a significant drop in my credit score due to the presence of a reported debt collection from XXXX XXXX XXXX XXXX. This debt collection is linked to my gas service account, bearing number # XXXX. 

To provide some context, in XX/XX/XXXX, I opened a gas account for the residence located at XXXX XXXX XXXX XXXX XXXX. Subsequently, in XX/XX/XXXX, I moved out and promptly contacted XXXX to close the gas service account. During that call, a representative assured me that the account had been successfully closed, and I would not incur any further charges. Since then, I have not initiated another gas account nor received any subsequent notices, bills, or communications pertaining to this account until the recent entry on my credit report. 

On XX/XX/XXXX, I sent a letter to BAY AREA CREDIT SERVICES, formally requesting validation of the debt. I also sought an explanation regarding the circumstances surrounding this alleged debt and requested any associated documentation. Regrettably, to date, I have not received any response to my inquiry. I reiterated this request on XX/XX/XXXX, and, disappointingly, the company has yet to provide a response. 

I would like to solve this problem as soon as possible. However, it is virtually impossible for me to address a debt for which I have not been adequately notified and provided with supporting documentation. It is also challenging to address a financial obligation when the company involved does not seem to make any direct efforts to contact me. 

I kindly request your prompt attention to this matter and the resolution of this issue so that I can work towards resolving any legitimate financial obligations that may exist.
Consumer complaint received 2024-05-31
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. (TX)

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.
Consumer complaint received 2024-05-31
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. (VA)

I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations. 

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.
Consumer complaint received 2021-08-05
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. (PA)

3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and fax ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law
Consumer complaint received 2024-05-31
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. (UT)

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.

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-01
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. (LA)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : 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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SERVI XX/XX/scrub>XXXX XXXX XX/XX/year> EQUIFAX MTG XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  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 2021-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PR)

Midland Credit has continously been harassing by phone calls and mail about a debt I don't owe. They claim I opened a credit card in a state I've never lived ever. I notified them about me been a victim of identity theft and how I have notified that to the corresponding agencies. Midland kept harassing saying that's everybody excuse for not paying. After two years of harassment, they sued me in another state than where the allegedly debt was originated. there are in discrepancies in my credit report and those have been notified to the collection agencies, but Midland Credit doesn't accept any proof, they just want me to pay for a credit card balance that doesn't belong to me.