davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

an updated consumer report with inaccuracies removed
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paragon Subrogation Services, Inc (NY)

XXXX , Inc. has sent harassing letters to me indicating I owe monies for alleged damages that I have caused. I have requested specific information about the nature of the alleged damage and proof that I am responsible. I have not received a response and recently received a letter threatening that they will be pursuing legal action against me for a debt that I do not owe.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-16
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANDY SPRING BANCORP, INC. (DC)

I went onto XXXX XXXX XXXX  in XXXX XXXX  in Washington DC, to open up a saving and or checking account. I was denied because my ID identified my place of resident as a homeless shelter. I was talked to very aggressively by the person who was assisting me, as if I was trash, it hurt me so bad that I looked up the name of his supervisors to lodge a complaint. I called a person who identified his self as the Vice President of XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX and XXXX. He advised me that the employee did nothing wrong as it was there position not to give accounts to people they couldn't identify where they live. I told him that this was a District of Columbia drivers license that had a star on it verifying my address as a homeless person using the resources of the shelter as my point of contact. He said the District had mandated that if you don't have a address where they can come to you can't open any type of account with the bank. I told him this was discrimination against a marginalize population of people who are trying to get their lives together through establishing credit and other product that could give them opportunity. We talked for about XXXX weeks going back and forth and me sending him information to help my cause. Eventually we stop communicating because I told him this was not the last he would here from me. He never sent any information saying any of the reasons I was denied access to opening an account so I believe I've been discriminated against because of my position in life at that time. He acted like it was OK for the employee to treat me that way., and never reach back out to me to open an account or show me information.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

According credit reporting act this creditor has violated my rights under 15 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states consumer reporting agency can not furnish account without instructions Under 15 USC 1666B may not treat a late payment on a credit card account under an open and consumer credit for any purpose.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (TX)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a natural person, I am a living human being I have rights under USC 1681.Equifax is governed by USC 1681 and they violated my rights numerous times, I demand that the accounts listed below be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to 15 USC 1681 I have the right to privacy and did not give XXXX permission to furnish these accounts, thereby inhibiting my afforded fair credit reporting.
Consumer complaint received 2023-11-23
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: Onity Group Inc. (TX)

I reached out to PHH mortgage on multiple occasions since XXXX to have them correct an error in reporting late payments. I sent them copies of my credit reports and asked them to remove them. In there own response they said that 2 of the payments were during an agreed upon payment plan ( during COVID ) So not late. And the 3rd payment was when the account was in deferment during COVID. Again this would mean NOT LATE. When I talked to their reps during this time they assured me these agreements would have no negative impact. They lied! This account is now paid in full and reflects differently on every single report. XXXX shows correctly where there was no negative impact as they promised. XXXX shows 60 days late on all 3 payments and XXXX shows 30 days late on all 3 payments. If you look at the rest of my report I do not have a single late payment anywhere else. EVER. I would like this corrected.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have called toyota financial a lot of times for then to give me a lower payment or help me out with a different car instead of this one. They asked me if I had an insurance then proceeded to tell me they couldnt help me out in that aspect. Whenever i would ask what kind of help I could recieve with the circumstances, they told me I could get Zero help. I had to explain to them i had no job at the time and asked for a lower payment and they couldnt help me out with lower payments or taking the car back. So I had to forfiet the car. Now theyre telling me theyre going to auction the car and make me oay whatever the difference is once they sell it. I dont find it fair and i cant afford to pay my bill now so i dont understand how they expect me to pay after. I believe they made me sign a lot of things I wasnt aware of when i bought the car, they didnt talk me through everything I signed. The last time I spoke to them they said theyd do whatever they can to ruin my credit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-07-08
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. (TX)

XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted a complaint to your bureau about this matter in XX/XX/year> as complaint XXXX. The complaint explained that Capital One Bank closed my Capital One Savings Now account number XXXX for inactivity, and, rather than refunding the {$6.00} balance to me, the bank mailed me a final account statement and claimed to have escheated the {$6.00} balance to the State of Florida 's unclaimed property department. In other words, the bank had my address so as to be able to mail me a final account statement but chose not to use that knowledge of my address to refund me the balance from the closed account. When I filed the complaint with your bureau in XX/XX/year>, Capital One responded by alleging that they had escheated the funds to the State of Florida 's unclaimed property department. That allegation was a lie. As of today -- 9 months after the bank closed my account -- the Florida unclaimed property department does not have any unclaimed property in my name, nor has it ever had any unclaimed property in my name since Capital One closed my savings account. I spoke to an employee of that department who assured me that, if Capital One had escheated the balance from my savings account to their department in XXXX, XXXX, or XXXX of XXXX, it would be listed on their website by now. It is no so listed. So Capital One simply kept my money. I have read on social media that many other Capital One customers have experienced the same fraudulent scheme committed by Capital One, i.e., the bank closes an account, claims to have escheated the account balance to the account owner 's home state 's unclaimed property department, but never does. I am asking you to investigate this fraud on my behalf and on behalf of all other consumers who have been defrauded by Capital One 's practice of claiming to escheat money from closed accounts to account holders ' state 's unclaimed property department, but actually converting the funds to Capital One 's ownership. Obviously, {$6.00} is not a lot of money, but I am pursuing this matter to expose and end Capital One 's widespread practice of claiming escheatment as a cover for stealing funds from consumer bank accounts.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (FL)

Mosiac is showing on my XXXX my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my experian account
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I literally got a refund from Apple and a dispute with them then it got fixed before that could even happen its been 10+ days with my account restricted requesting payments and all and I havent heard anything from support at Apple Card . They said we cant help over the phone you have to wait
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Under the Fair Credit Reporting Act, ( 15 U.S. Code 1681c, subsection 2, no consumer reporting agency may make any consumer report containing any adverse item ( s ) of information, other than records of convictions of crimes. No adverse item besides, the conviction of crimes, should be displaying on my credit report. I did NOT give consent to XXXX, XXXX or XXXX to furnish any negative, derogatory or adverse item ( s ) currently on my report, which is a VIOLATION of my personal & privacy rights under the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( 4 ) a states " 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. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This hard inquiry is an adverse item these credit reporting agencies are reporting without my permission which is against the law.
Consumer complaint received 2023-07-16
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. (VA)

I am on XXXX XXXX XXXX status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, XXXX and Transunion.
Consumer complaint received 2023-08-01
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-16
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. (VA)

I am on XXXX XXXX XXXX  status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Hi! On Saturday XX/XX/XXXX I want to my branch in XXXX tx to deposit XXXX the atm took ALL the money but I still missing XXXX dollars. I told the lady in the bank and she told me to call. I called at the exact the same moment and did my claim. The guy in the phone made the claim for XXXX which is wrong. Cause I see some money in my count but Im missing XXXX. 
I already made XXXX phone complaints and both were denied. Im overseas now so I can not go in person again. 
The last time I called the customer service representative gang on me. 
I looked online and this same issue happened to many people before. 

The deposit was inside the bank in business hours. 
Im honestly can not understand how the case refused to give my money back. 
FYI I have my accounts and credit cards for them for years. 

My credit score is XXXX. 

The bank should have cameras that should the ATM returned bills to me twice and I put everything inside again. 
When the day finishes it must be XXXX dollars extra that they are mine. 

Please help me with these cause I really need the money. 
I tried exposing them un XXXX too but since I dont have many followers it didnt work.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX account XXXX account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account XXXX XXXXXXXX, 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX  collect car payments but not accurate. XXXX, TransUnion and other credit bureaus reports XXXX.