davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for 10 years and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a Sunday I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's payme to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven
Consumer complaint received 2023-10-27
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. (CO)

I am in the mortgage industry and the credit bureaus are soliciting clients after their credit is pulled. Selling their information to other lenders without the permission of the client. There is no way to opt out of this process. This has to stop!!
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022, I placed an order on the XXXX website ( order number XXXX ) for a jacket through PayPal Credit for {$280.00}. I never received the jacket and filed a complaint through PayPal Credit. The charge was originally reversed, and then reinstated on my account as XXXX provided tracking information to PayPal Credit. My credit limit was also substantially increased since this incident, with this being a common complaint on their consumer affairs webpage with a 2.2 rating XXXX XXXX XXXX XXXX XXXX XXXX. My credit limit for this card has increased to {$4800.00}, the highest out of any credit card I own, and this is XXXX of my newest cards. I am XXXX and take in around {$10000.00} a year. My plans for this purchase were to increase my credit as I put it on a 6-month financing plan, while being able to sell the jacket after the winter for a profit. This was really detrimental as I never received the jacket and still have the {$280.00} charge on my account. I have tried several times to open a case with PayPal Credit that keep getting denied ( another common complaint in their consumer affairs ratings ). I also sent certified mail to their headquarters in XXXX explaining the incident with documents. My credit score is almost XXXX. Please help me reverse this charge so I can close this account permanently. I would have never expected this from the PayPal house name.

If they can not reverse the charge, please help set up a new payment plan. I learned my lesson about using XXXXXXXX XXXX I am graduating soon, and I am in the process of starting an e-commerce marketplace app and will make sure not to use this service on my platform.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-18
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. (NY)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-09-18
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 am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Consumer complaint received 2023-09-17
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. (SC)

COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND XXXX XXXX ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.
Consumer complaint received 2024-05-17
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX and XXXX I had an influx of XXXX transfers from various users while using a XXXX party XXXX trade system called XXXX. The amounts totaled approx XXXX. Capital one has put a freeze on my acct stating that they need to do an investigation on why I am receiving so many payments. I explained that I was on a system called XXXX which uses XXXX to transfer money for credits. The rep that took my call was extremely judgmental, telling me I was a liar because one of the payments came from a users personal business. I already filed a complaint against the rep who refused to tell me his name and asked if I was being reprimanded because of something he doesnt understand. My acct is now closed with no course of action for me to ubderstabd what is happening. My bills and car note is attached, making me miss payments and affecting my credit. 

The rep also made a judgement call to terminate the banking relationship with me without even being on the call for more than XXXX total. He could see my picture and demographic details. I can tell when someone is beibg biased. 

I think its appalling that banks can freeze your money regardless of my ability to provide proof. I was told I did not need to do anything on my end which doesnt allow me to defend my actions and confirm the money was solid. CAPITAL One did not protect me as a customer by shutting away my access to my funds.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the " Fair Credit Reporting Act ''. This account below has violated my federally protection consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX  : XXXX has violated my rights. 15 U.S.C 1681 section 602A. States i have the right to privacy. 15 U.S.C. section 604a section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 15 U.S.C 1681 c. ( 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 the records of convictions of crimes which antedates the report-by more than 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 the information is inaccurate.
Consumer complaint received 2023-09-18
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. (SC)

COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF XXXX CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX XXXX SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Consumer complaint received 2024-01-03
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/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
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-17
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. (MI)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

3 things showed up on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed 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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my XXXX XXXX opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

since XXXX XXXX My feeling bad, i have XXXX XXXX so I have to go to hospital, the name of the hospital was XXXX XXXX XXXX  When I went there I showed the employees who got all my information in the computer my Med-Cal , after a few hours i was released. Until XX/XX/2023 I checked my credit report and saw a collection consultant where they asked for {$3200.00} ( XXXX XXXX XXXX ), I spoke to the collection company ( supervisor name is XXXX ) I explained to them and emailed my Med-Cal and all information need to proved on that time I had med-Cal already I disputed to three bureaus unfortunately almost 3 mounts waited my time I tried to contact all bureaus and Collection company but they didn't any responding this is not fair because of hospital mistake I lose my credit score
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My account constantly said I had more money in account then when I pull money out I would get charged late fees constantly and the app online was never working now they say I owe them money and I don't they owe me!! I've been with them for over 15 years always in good standing until they started screwing with my account
Consumer complaint received 2024-05-17
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. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-17
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. (NV)

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION XXXX No balances withXX/XX/XXXX It states I owe {$1600.00}