davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-15
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. (PA)

I believe FCRA 605B necessitates the exclusion of any erroneous accounts from my credit report. Can you kindly inspect the documents? There are inaccuracies in some of the listed accounts, and it's unsettling for me.
Consumer complaint received 2024-04-09
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. (IN)

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 XXXX5 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made a criminal complaint about fraud and a cover up happening at the fed and many banks and credit agencies and some other government entities. I received a notification from the cfpb saying transunion can not respond to my complaint because I named judge XXXX as corrupt, and so because they can't share my credit information with him they can't respond. Clearly this is idiotic, as why would you need to share my credit information with a judge to investigate corruption, but whatever. " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. '' Anyway, I then received an unsolicited email from transunion. " Dear XXXX, We have received your password reset request, and your temporary password is : '' I did not request a password reset. Then I received another email from Transunion with a link to a " secure '' portal on the transunion website where they presumably have some sort of response. " This is a secure message. 
Click here by XXXX XXXX XXXX to read your message. 
After that, open the attachment. 

If you have any questions about this email, XXXX XXXX please call XXXX and outside recipients please call XXXX. 
More XXXX Disclaimer : This email and its content are confidential and intended solely for the use of the addressee. Please notify the sender if you have received this email in error or simply delete it. 
Secured by Proofpoint Encryption, Copyright 2009-2022 Proofpoint, Inc. All rights reserved. '' Look Transunion, I'm not clicking on any of your links. You are involved in a criminal conspiracy. There could very well be malware on any link you send me. I do not trust you at all. Why do you want to respond confidentially anyway when you just told me that you can't respond two hours prior? I don't want any sort of confidential communication with Transunion. They are dangerous. Respond here in public. This is ridiculous.
Consumer complaint received 2024-01-04
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. (AZ)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (PA)

I understand FCRA 605B necessitates the exclusion of any erroneous entries from my credit record. Can you review the documents, please? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America offers autopay which allows customers to have payment automatically deducted from their account. BOA forces customers to only pay the min amount due and when you try to pay extra it disturbs the auto pay and then they charge late fees to the customer because the customer is not informed that their auto pay has been disrupted!
Consumer complaint received 2024-01-03
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. (CA)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Also, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XX/XX/XXXX 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
Consumer complaint received 2024-04-09
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. (TX)

I hope this message finds you well. I am writing to express my frustration and concern regarding the repeated inaccuracies present on my credit report, despite multiple dispute attempts. As a conscientious consumer, I have diligently followed the proper channels to rectify these errors, yet they persist, causing undue stress and potential financial harm. 

It has come to my attention that despite my prior disputes, the inaccuracies remain unchanged on my credit report. This recurring issue not only undermines my confidence in the accuracy of the information provided but also hampers my ability to access fair credit terms and opportunities. 

I want to emphasize the importance of accurate credit reporting, as it directly impacts individuals ' financial well-being. The persistence of these inaccuracies despite my efforts to rectify them is both concerning and unacceptable. I urge you to thoroughly investigate the matter and take prompt action to correct the erroneous information on my credit report. 

Furthermore, I request transparency regarding the processes involved in handling disputes and ensuring the accuracy of credit reports. It is essential for consumers to have confidence in the integrity of credit reporting systems, and the current situation undermines this trust. 

Please consider this communication as a formal complaint and a request for immediate resolution of the inaccuracies on my credit report. I expect a timely response outlining the steps taken to address this matter and the timeframe for its resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt action and resolution of this issue.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I deposited XXXX into coinbase account on XX/XX/XXXX, as of this morning XX/XX/XXXX, my money is still not available. They have repeatedly lied, refused to answer basic questions and continue to spout that this delay is for my own security and financial safety. 

The solution to the problem is making Coinbase prominently display ( 20 font ) the hold times before you deposit funds. A separate warning screen would also be very helpful. 

After I started having problems with Coinbase, I started to look into their reviews, they have an " F '' on XXXX and a 1 star on XXXX reviews. A deep dive by any and all Federal and State agencies needs to be done ASAP. Something isn't right with them. Please head this off before we have another XXXX situation.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

During a stay at the XXXX XXXX in XXXX, Arizona there were XXXX stains all over the bed ( I have photos ) and what appeared to be bedbugs. I refused to stay there and demanded my money back, they refused. 

When I disputed the charge with Capital One Mastercard the credit card company refused to send my response to the vendor.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC. (NY)

XX/XX/XXXX - I emailed company letting them know that I contacted their client to cancel my account but was unable to do so because XXXX XXXX  closed their doors to communication due to being Bankrupt. 
HealthFinance Direct responded saying my account has not been created but that I still need to pay their loan. 

XXXX XXXX I recieved an automated email congratulating me for agreeing to a contract and attaching a contract. I reviewed the contract and it had all my information filled out and a false signature with a digital stamp and date that i have never seen before. I emailed moments later notifying to the company that this is the first I'm seeing this contract, that i have never signed it or reviewed it on the date listed in the contract. I told them the contract is forged and very concerning.

HealthFinance Direct responded by re-attaching the contract be excluding the areas that were forged. 
XXXX XXXX I called HealthFinance Direct and spoke to a representative explaining the situation and they said there was nothing the company can do to help me and they are sorry my contract is forged. They advised to call back XX/XX/XXXX before the first payment is due on XX/XX/XXXX to see if the company can resolve my issue. 

XXXX XXXX They responded saying they are unable to cancel my account and that i need to pay regardless and sent me to their client website that is shut down without any way to contact. 

XX/XX/XXXX - I called HealthFinance Direct and spoke to a representative explaining the situation again. I mentioned that I've been unable to cancel my account with HealthFinance Direct and that it seems im being bound my a forged contract under my name. The Operator said they dont know how to help me, that many people are in my situation but that regardless i need to pay or else their systems will automatically send me to collections and i will lose credit score. I asked to speak to someone who can help me, and the operator said no one can help me, the system is automatic and no one in the office can modify the system.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: DriveTime (NV)

OVER 20 YEARS AGO, my husband left and took the car. I bought one in California from what was Drive Time back then. I asked that it was in good working condition and of course it was not. I gave it back. My credit suffered for years. Now, theyre trying to sue me for some tolling clause that was buried in the contract. I am a XXXX yo grandmother, living on SS of $ XXXX. This is ridiculous and wrong. They should not be able to ruin my long worked credit build for a XXXX car loan on XXXX a car I gave back because it was a lemon. I can barely live on what I make. I will not go down quietly
Consumer complaint received 2024-01-03
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. (IL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-01-03
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. (CT)

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.