davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC (MI)

As advised in a previous dispute with XXXX XXXX XXXX XXXX complaint # XXXX. Collection agency was advised that the creditor Flagstar Bank was in compliance with myself and that the debt was charged off as a loss and that there was no debt owed. XXXX XXXX XXXX XXXX refused to honor that request advising they would not provide compensation for inaccurate reporting to the consumer reporting or remove the account. The collection agency had been reporting the account to the report for 5 years in the consumers continuous dispute of the inaccuracy of the account. Flagstar has recently provided me with the letter which highlights the cancellation of the debt. I am requesting compensation for XXXX XXXX XXXX XXXX damages and inaccurate reporting pursuant to the FDCPA against myself. If it is not received how to cure the false practices of your company pursuant to the FDCPA within 30 days other actions may be filed.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

My partner and I are trying to buy a home. In this process, banks need to check my credit report. 

My credit is frozen, by my own doing, two years ago. As I enter their website to unfreeze my account- with the correct username, password, SSN verification, everything - I get into the account, but can not proceed to a home screen. 

Experian has several support numbers listed on their website - but not a single one gives me a real human to get support. All of the programmed support lines only have a few narrow areas of support, and always hang up on me prior to assistance. 

Experian has a tangibly BROKEN login and account support process. Because of this, and given the fact that they are a gatekeeper to home ownership, I am being financially harmed due to their lack of support.
Consumer complaint received 2024-06-07
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Ive noticed a numerous errors after receiving and reviewing my credit reports. XXXX, Experian, and XXXX are alleging that the following accounts below are reported to be LATE or POTENTIALLY NEGATIVE without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of LATE or POTENTIALLY NEGATIVE information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 
In addition, urgently request produce and deliver a contract between you XXXX, Experian, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf. XXXX, Experian, and XXXX violated Privacy Act of 1974 ( 5 U.S. Code 552a ) & 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
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. (MA)

I am in telephone auto triage XXXX. I keep trying various options but ultimately am offered instructions on how to reset my password on line ( where my credentials ( social security number and birthdate are rejected ). When I ask for an agent I am told I can't be connected to an agent but they can mail me instructions on how to reset my password on line.
Consumer complaint received 2024-04-29
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)

I believe FCRA 605B necessitates the elimination of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including inaccuracies in the reported amounts and dates.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX  notifies me 21 days before my due date to make a payment. Please provide me with a copy of the creditors payment ledger supporting your claim that I was ever late on account XXXX XXXX XXXX bank account ( # XXXX ) ( XX/XX/XXXX ) XXXX XXXX bank account ( # XXXX ) ( XX/XX/XXXX ) ( XXXX XXXX ) XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (TN)

I have had a PayPal credit account for over a decade. They have recently become more and more annoying to do business with so I decided to open a new credit card with XXXX XXXX and balance transfer the remaining PayPal credit balance to end the financial relationship. 

I opened the XXXX XXXX account on XX/XX/XXXX and initiated a balance transfer. To do so, I had to gather the PayPal credit account number, which they do not provide. They give only a part of it. To get the full number, I had to pull a credit report. I set up the transfer as per instructions by XXXX XXXX. 

On XX/XX/XXXX, I contacted PayPal customer service to check the status of the account and was told in no uncertain terms PayPal Credit does not do balance transfers in or out. So I utilized the balance transfer checks XXXX XXXX provided to write myself a check and deposit it, then pay PayPayl Credit. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating my balance transfer was approved. I assumed it was for the check, until I checked my XXXX XXXX account and saw two transfers and two fees. I immediately contacted XXXX XXXX who were extremely helpful and understanding, but unable to reverse those charges. I was directed to contact PayPal.

I contacted PayPal on XX/XX/XXXX, once the overpayment was registered in their system, to request a refund. I was told a check would be processed and I'd receive it in 7 to 10 days. 

Today, XX/XX/XXXX, still having no sign of the check, I contacted PayPal credit again and was told the original time frame was incorrect because " reversing a payment '' takes 2 to 3 weeks. So at this point I'm stuck with a double charge on my credit card, two balance transfer fees, and the end of the month looming to just be extra sure I accrue extra interest, all because PayPal Credit gives incorrect information and refuses to account for why I was told things incorrectly or to expedite the solution.
Consumer complaint received 2024-04-29
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

In XXXX, I disputed a payment via cashapp of {$400.00} to XXXX XXXX with my bank. I later cancelled the dispute because me and the person settle our problem. Cashapp then forcefully withdraw the money from XXXX account even after the dispute was canceled. I sent them a letter and proved to them the dispute was cancel. Up until now, they are still saying they dont see that on their end. We never received the {$400.00} back. Cashapp basically stole the money.
Consumer complaint received 2024-06-07
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MI)

I submitted a loan consolidation application with XXXX on XX/XX/XXXX. On XXXX I called Aidvantage ( the loan consolidation company ) ( XXXX XXXX XXXX ) to cancel my loan consolidation application. I was told on XXXX via customer service they would cancel my loans. I called again on XXXX and Aidvantage confirmed they would cancel my consolidation application. I checked XX/XX/XXXX and noticed my loan consolidation application was still not cancelled. I called Aidvantage again on XX/XX/XXXX to ask why it has not been cancelled, they said they have no record of me calling and that I was not able to cancel my loan consolidation unless I emailed XXXX ) XXXX. Even though I have emailed that email address for XXXX days now, no one has responded. 

I noticed on XXXX some of loans are gone which confirms further that aidvantage is processing my consolidation even though I told them not to. Aidvantage is intentionally ignoring my emails and refuses to cancel my loan consolidation.
Consumer complaint received 2024-06-07
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. (IL)

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 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I own the fact that I was scammed, but when trying to resolve this with Cash App, once I reported the transaction as a scam on XX/XX/15, the other user was blocked. I notified them within hours of completing the transfer. I had to wait 2 weeks to find out today that they were waiting for the scammer to approve my refund- and since she didnt, Im not getting my money back. Now Cash App is telling me to resolve it with the recipient, which I can not do since shes blocked - by their doing. They have no protection for their users and Im out {$150.00}.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. I was going through my records & noticed items which do not belong to me were still in my credit report. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to mistaken credit reporting. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (TN)

I received Experian email notification on XX/XX/XXXX stating this- Hi XXXX XXXX your dispute results are ready. Dispute results Your dispute report number XXXX results are ready for review. 
Problem - Experian is continuing to violate my consumer rights accordingly with FCRA rule 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; Hard Inquiry - This is fraud. I didn't consent to this inquiry. 
On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.