davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Westlake Services, LLC (GA)

My contract states I should be charged XXXX per month. The portal is overcharging me over {$30.00} extra a month {$560.00}. I would like it to be fixed. It's also destroying my credit, as im trying to fix it... It's been like this for over a year.
Consumer complaint received 2023-07-02
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. (IL)

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 / ADDRESS | DATE / ACC. NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-20
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. (GA)

In response to a critical discrepancy within my consumer report regarding the account named " XXXX, XXXX I write to assert firmly and unequivocally that my report inaccurately reflects a missed payment on this account. I wish to emphasize that all payments linked to this account have been consistently made on time, and I possess irrefutable evidence to substantiate this claim. Moreover, I possess multiple pieces of evidence supporting my assertion. It is imperative that this matter be promptly rectified to ensure the accuracy and integrity of my consumer report in accordance with legal standards. 
Under the provisions delineated within the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of individuals ' information. Consequently, it is imperative that this egregious error be rectified without delay to preserve the integrity and accuracy of my credit report. 

I hereby assert, in unequivocal terms, my demand for the immediate correction of the false information pertaining to the alleged missed payment on the account named " XXXX. XXXX Failure to comply with this demand within the next 10 days will leave me with no recourse but to pursue legal action to safeguard my rights and rectify this injustice.
Consumer complaint received 2023-04-17
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. (NY)

In accordance with the Fair Credit Act XXXX  Account # XXXX Department of Education XXXX XXXX, Account # 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.
Consumer complaint received 2023-04-11
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. (OH)

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 1

5 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2023-07-02
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)

My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

XXXX XXXX XXXX Acct # XXXX Opened XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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. (UT)

I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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.

has violated my rights. Or a 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (NY)

This account does not align with my recollection of any account agreements from the past or present. I requested that Security Credit Services provide me with a copy of the original contract bearing my wet signature, as well as a detailed breakdown of the charges and fees accrued.

Invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, Security Credit Services failed to provide any relevant documentation, including the original contract with my signature, proof of ownership of the debt, and verification of the amount owed.

Until this matter is resolved and sufficient evidence is provided, I am exercising my right to dispute the validity of the debt and request that all collection activities cease immediately. Any further communication from Security Credit Services regarding this matter should be in writing. 

I expect a prompt and expedited response to this dispute. Furthermore, shall Security Credit Services willingly continue to break the law and falsely render an illegal account agreement reporting to my SSN will result in legal action.
Consumer complaint received 2023-07-18
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

Cashapp recently froze my account claiming I made a sanctioned purchase of XXXX products. All I did was send a friend money I've already disproven all their claims of illegal use and any other legal reason they could have had to freeze my account and my account remains locked for 7 days currently and counting I'm deprived of over $ XXXX that I can't access, withdraw or anything Support reads and endless script and claims they can't help No reason for my account to be frozen yet I continue to be deprived of my money with no other explanation
Consumer complaint received 2024-04-20
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. (FL)

I filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off
Consumer complaint received 2023-12-28
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. (FL)

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 attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone sent money to this checking through XXXX accidently. I reached out to the bank because I don't have access to this account because it is locked letting them know this person sent this money in error and I wanted to not except the XXXX or have it returned. They told me I could do it from the account, but I do not have access to the account since it is locked. I explained to them again this money was not meant for me and the person who sent it is now trying to hold me accountable and still they refused to send the money back or reject the payment. Also, wouldn't give me access to the account so I could return the payment.
Consumer complaint received 2024-04-20
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. (IN)

Dear XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-28
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)

Ive tried several times to have the fraud statement deleted from my credit report I have sent in written notice on several occasions and they will not delete this statement that I did not ask to be added to the credit report
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I keep receiving emails from an individual gmail account but the scammer is portraying to be PayPal. Giving me a paypal invoice stating that I ordered {$760.00} in bitcoin exchange, which I have not. Further more, this is phishing scam and fraud because paypal uses business email accounts not personal gmail accounts like this individual.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : Credence Resource Management- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you