davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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)

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates. XX/XX/XXXX and XX/XX/XXXX. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2024-06-06
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?
Consumer complaint received 2023-12-28
Product: Credit 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: CITIBANK, N.A. (MA)

My credit card was charged fraudulently 4 times in the span of 3 days in XXXX. I contacted Citibank as soon as I realized the charges weren't mine. They looked into it and then decided that they weren't fraudulent because I didn't lose my card and they said I had visited those places. I had never visited at least two of those places and they didn't provide me with evidence that I had. I told them that there had been a rash of credit card skimmers in the area and then they said they would take that into consideration and respond in 90 days. They never got back to me and the charges are listed as " dispute is resolved and no credit is issued ''. 

Here are the charges 1. XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX, MA 2. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA 3. XXXX on XX/XX/2023. XXXX XXXX XXXX MA 4. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA
Consumer complaint received 2024-07-13
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. (GA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (TX)

I am deeply dissatisfied with my bank 's service as a customer, primarily due to their failure to provide accurate and reasonable credit increases. Despite maintaining a pristine record with no history of late or missing payments, the bank has consistently overlooked my responsible financial behavior. This lack of acknowledgment has hindered my ability to access the credit I deserve based on my creditworthiness. 

Furthermore, my frustration is compounded by the bank 's involvement in unethical business practices. These practices not only erode my trust in the institution but also leave me questioning its commitment to ethical conduct. Despite expressing my concerns, I have received no assistance in resolving these issues or exploring alternative options. 

As a result, I feel compelled to sever ties with this establishment and seek a financial institution that values transparency, fair treatment, and customer satisfaction. The bank 's failure to address my legitimate concerns and provide adequate support has left me with no choice but to pursue banking services elsewhere.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

In 2020, the IRS contacted via mail stating that I made XXXX through Paypal account. I spoke with paypal and asked them to confirm that I made that amount that they told me that I have never made XXXX through paypal nor has that amount ever passed though my account. They provided me with a letter via email as well as my transactions from 2020. However, the IRS informed me a second time that Paypal confirmed with them that I did receive XXXX through paypal. I am not receiving the same information that is being reported to the IRS and believe that my personal identity was used to create a paypal account that I do not have access to or am aware of. There have been damages because of this as the IRS has begun taking my income taxes.
Consumer complaint received 2024-06-04
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. (NV)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX student loans ( private ). Originated XXXX with XXXX XXXX. 

XXXX and only payment made on account ll as XX/XX/XXXX. No full payments followed. 

XXXX XXXX mis-representing date of last payment. 

Loans should have called off 3 bureau reports in XX/XX/XXXX. They still remain, impacting credit.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive pulled my credit report Both on your website as well as identity IQ and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/2023, which is reported as 30 Days late on XXXX, XX/XX/2023 on XXXX, and XX/XX/2023 Equifax. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I contacted Experian to remove the " dispute '' wording on XXXX of my student loans. I believed that the listing of historical delinquency was wrong because these loans were supposed to be deferred. XXXX explained that the delinquency was for times that they were not in deferment. THE DISPUTE PROCESS IS COMPLETE. XXXX and XXXX properly removed the narrative. Experian would not claiming that it had to remain on the account for six months. I was under the impression that the federal law covered all XXXX bureaus. Since there is a section that deals with what may be contained in the file and for how long, how is it the Experian gets to have one set of rules and the other XXXX bureaus another set? 

This impacts my credit score for six months even though I am no longer disputing these items. The Fair Credit Reporting Act provides that the actual present status of my credit be displayed. Refusing to remove these dispute narratives puts my entire report in an improper status with regard to score. This should be a very good class action lawsuit. 
The loans are listed as XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-06
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. (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. 

Account Name XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-06-05
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Premier Auto Credit (CA)

I financed a vehicle through Premier Auto Credit and paid off the full loan. After requesting information regarding the title, I was informed by XXXX, the customer service agent, that I would be reimbursed. However, despite waiting XXXX weeks, I did not receive anything in the mail. When I called again, XXXX suggested I pick up the check but notify them in advance. I complied and provided all the requested documentation, even overpaying on the loan. However, they now refuse to reimburse me, citing a lack of proof of insurance. I submitted the required documentation to the indicated email address, but XXXX, the supervisor/manager, informed me that the email was no longer valid as it wasn't entered into their system, and the person associated with that email is no longer with the company. This should not be my responsibility as a customer, as they should have this information on file. Unfortunately, XXXX terminated the call abruptly, stating she couldn't assist me.
Consumer complaint received 2024-07-13
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)

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 2024-06-28
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: Experian Information Solutions Inc. (MD)

The information they are reporting is incorrect and inaccurate.A real true debt validation is send all info being requested by the person being accused of owing debt Im requesting the History of the account.I want all my account statements Which will show the balance of the account I dont want an itemized statement.I want all my statements for history of the account.If you cant supply this delete the file from all XXXX credit reporting agencies. 
I want all the notes that is on the account .I want the original credit card agreement with Terms and conditions Why wasnt I given any XXXX  relief.They didnt help me during the XXXX pay off the debt .They didnt offer any resolution or care act.All this will be brought up.If I choose to file a lawsuit.I will then request legal discovery and subpoena what Im askingIm willing to pay the {$400.00} to take this to federal court.They filed a case in District court i guest to intimidate me.Which should be a violationThis incorrect and inaccurate stuff on my credit is a violation of my civil rights and FCRA and FDPA. 

A federal lawsuit will be filed if this isnt investigated.If Im not given what Im requesting
Consumer complaint received 2024-06-05
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc. (NJ)

Dear Afterpay Customer Service, I am writing to file a formal complaint regarding the high interest rates on installment loans that I have been charged. As a consumer, I believe that I am entitled to reasonable interest rates and fair lending practices under the consumer laws and codes of banking that are in place to protect us. 

I am currently not working due to medical issues and have been struggling to make ends meet. Despite my financial difficulties, I have made every effort to keep up with my installment loan payments. However, the high interest rates that I have been charged have made it nearly impossible for me to pay off my debt in a reasonable amount of time. 

I believe that these high interest rates are not only unreasonable, but also potentially illegal under the consumer laws and codes of banking. I would like to request that Afterpay investigate this matter and provide me with a resolution that is fair and equitable.