davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (MI)

Received notice of tax refund used for debt notice in the mail sent XX/XX/2023 by the Michigan treasury department for XXXX. I have not taken any action because I did not know I was being sued by XXXX XXXX I XXXX XXXX XXXX This debt is well over 20 years old.
Consumer complaint received 2024-01-11
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)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-04-13
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 the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account is passed 7 years old i have tired to settle a price with the debt but the company XXXX XXXX XXXX decline my offer, by law if amount is denied the debt is no longer valid. And should be taken off my credit
Consumer complaint received 2024-04-13
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. (NY)

This account was charged off on XX/XX/XXXX on XXXX, it also states on equifax it was charged off in XX/XX/XXXX, it shows no payment history on XXXX XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX equifax to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on equifax it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both equifax  and XXXX it shows no date of last payment.On XXXX  it shows no balance update and no balance, on equifax it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Consumer complaint received 2024-01-11
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. (IN)

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.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I submitted Account Disputes to Experian on XX/XX/XXXX disputing their report of my XXXX loans. They are double reporting all of my loans, resulting in a report of double the debt that I actually have. XXXX transferred my XXXX loans to XXXX in XXXX and Experian is reporting that I have XXXX loan debt with both XXXX and XXXX. They should only be reporting my XXXX XXXX  loan debt as the debt was transferred from XXXX. Experian claimed that their information was correct and continues to report that I have loan debt with both XXXX and XXXX as of XX/XX/XXXX.
Consumer complaint received 2024-01-11
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. (GA)

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

My Venmo account was permanently closed without any detailed explanation provided by Venmo. To resolve this issue, I made several requests to Venmo support. 
I requested a specific explanation for why my account was permanently closed. However, Venmo only stated that I violated their terms and conditions without providing any specific details. I asked Venmo to identify which specific terms and conditions I allegedly violated and to clarify how I violated them. Despite multiple attempts, Venmo did not provide this information. Additionally, I requested the release of the {$41.00} that is stuck in my Venmo account. Venmo has not responded to this request.Despite these efforts, Venmo has not provided any specific information or resolved the issue.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XX/XX/XXXX or XX/XX/XXXX, I called XXXX XXXX to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX I moved in XX/XX/XXXX from XXXX to XXXX and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact Capital One the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX XXXX  several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to Capital One and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (DE)

1. The Bureaus Inc., have sent me : XXXX as the collection account number, this is not the account number they put into collections on all three credit bureaus, which is : XXXX. This is inaccurate. 

2. The Bureaus Inc., have reported this account as " open '' and " closed '', inaccurately across all three bureaus. It is closed, not open! This is inaccurate. 

3. The Bureaus Inc., report the Date of last activity was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

4. The Bureaus Inc., have reported Date Reported as : XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

" The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. ''
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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. (NH)

recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from equifax on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (GA)

1 ) After calculating the interest rate and payment plan, I should no longer owe ANY interest and have over paid by thousands in interest. The default loan was 6 years, and after 6 years of payments the balance was still too high. After verifying this information to be accurate, I reached out to Santander and they dismissed it. 

They were apart of a lawsuit regarding this, and by the lawsuit requirements I shouldve qualified as I was deceived and shouldnt have even received a loan. Every other company rejected me at the time, however Santander took me under to commit this unfair, inhumane practice. 

There is no reason on the XXXX year that I should owe ANY interest! I have paid $ XXXX interest for 6 years. With {$150.00} as a average thats over {$10000.00} in interest paid.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (ID)

This complaint involves both a United Airklines Chase Credit card and the MonthsOfMiles promotion the the Unied Airlines XXXX XXXX XXXX. My compaint is best summarized in an email I sent on XX/XX/2923 which is excerpted below. Because of the possibly deliberately misleading language of the promotion and lack of clear terms and conditions I've wasted considerable time and money by directing the majority of my purchases to this credit card and now find that some of the purchases may not qualify. 

I've made repeated requests to United to ask why the misleading language was used and to date have not received an answer. The following is my inquirey to United/Chase XXXX Subject : UNITED AIRLINES XXXX XXXX DELIBERATELY MISLEADING? 

Date : XX/XX/2023 XXXX XXXX  XXXX To : United XXXX XXXX XXXX The recent promotion of MonthsOfMiles states that for each month of XXXX, XXXX and XXXX " Just make at least 5 purchases while spending {$150.00} or more '' on your Chase United Credit Card to qualify for bonus miles. 

That language implies or even allows that those 5 purchases need only sum up to {$150.00} or more. Confusing? Yes. If there was no deliberate intent to confuse why wasn't the promotion written clearly as follows : " Just make at least 5 purchases while spending {$150.00} or more on each purchase '' Please, explain why the ambiguous wording was chosen. The attached file shows that even the XXXX XXXX help line was confused by the wording. I wonder how many consumers will discover after the fact that their 5 purchases don't qualify.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-13
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. 

XXXX XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my right.

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 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 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CT)

I filed a CH XXXX Bankruptcy in XX/XX/2011. My mortgage was included in the filing and was also listed as a creditor in my XXXX XXXX from the Trustee. The mortgage, through Wells Fargo, is listed on my XXXX Credit report as a foreclosure which is not accurate. The debt was not reaffirmed after discharge. I have contacted XXXX two times for a dispute and Wells Fargo has continued to report the information incorrectly. This is impacting my credit rating and I would like the account removed. The Bankruptcy has already fallen off the report so the foreclosure make my XXXX score approximately XXXX points lower than the other Credit Bureaus.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

PayPal is ( 1 ) removing money from our XXXXXXXX XXXX  account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our XXXXXXXX XXXX account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

ChexSystems has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to ChexSystems storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has once again allowed these fraudulent accounts that were previously blocked and deleted due to identity theft to be re added to my credit report. I do not have any accounts with XXXX XXXX XXXX XXXX. I have not done business with these credit union. These accounts are fraudulent, and these are the result of identity theft. You have received my law enforcement identity theft affidavit and have been notified that these accounts are fraudulent. You then re added these accounts after already previously having your team block these. Please permanently block all XXXX XXXX Accounts this includes credit cards. I do not have accounts with this institution, nor have I ever done business with this institution. They opened these accounts without my permission.
Consumer complaint received 2024-04-13
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  has violated my right. 

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.