davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2024-01-09
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 (MA)

On XX/XX/ XXXX XXXX I called my credit card ( Capital One ) to reserve a flight to see my mother because I just received word that she was XXXX. While arranging the flight ( XXXX to XXXX XXXX, Iowa ), my dad called me and told me that she XXXX I was trying to make a reservation for me, my daughter ( I'm a XXXX XXXX ), and our XXXX However, the agent told me that my XXXX was NOT allowed to go in the cargo hold ( she's over XXXX lbs ) on the flight to XXXX XXXX, so I would not be able to bring my XXXX  I said okay, because what else could I do. When I got home from the funeral, I saw that I had been charged for a flight for a XXXX XXXX$720.00}. I called the airline, XXXX, and told them that it wasn't possible because the flight had never been booked, so I couldn't have canceled it and I couldn't be charged. They said that there was nothing that they could do because they had no record of the flight. I gave them my XXXX number and my credit card number to try to find a record of the flight. They ended the call because they said that they had no record of the flight. I called my credit card company next. Capital One. I have had this same credit card for over 20 years. I started a dispute process. They wrote me a letter saying that they contacted the merchant and there was no record of me canceling the flight, so I had to pay the XXXX plus interest. I feel like these companies are being cruel. Right before my mom XXXX, I contracted XXXX. I continued to be very ill for XXXX weeks. In addition, I am a XXXX and I only have a small amount of paid leave. If I don't work, I won't get paid. XXXX XXXX XXXX XXXX XXXX XXXX, mourn my mom 's passing, and have the stress of being unfairly burdened by this charge.
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IA)

I got a piece of mail from I.C System Inc. saying i owe XXXX dollars for a phone from XXXX XXXX that opened up in XXXX of last year which i don't go through that company.. I refuse to give them any info and they hang up on me
Consumer complaint received 2024-04-17
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per XXXX XXXX XXXX. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (VA)

They keep selling my mortgage my interest rate goes up and the link in time of the loan keeps getting bigger taking longer to pay for there is a deferred balance on the account that's not even legit I want to sell the property and get out from under it or I can no longer afford it and I'm up in age to where I can't afford it. These mortgage companies are doing wrong with every one processing their accounts correctly. Always ripping people off not posting info to accounts.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (IL)

I sent a letter out on XXXX XXXXHere is the attached letter, however, the credit bureaus failed to remove the one that did not response in 30 days or those that failed to provide proper documentations to show ownerships. 

According to the law 15 U.S CODE 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-18
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

PayPal closed the Dispute without refund because the documentation you provided did not support your Dispute. The order number and time on the screenshots you provided did not match the transactions details on the Payment. This indicates to us that this was not a duplicate charge for one order, but rather two separate orders. Wow, are you listening to yourself??? How in the WORLD could there be two separate shoe orders on the same day, that just happen to be the same exact dollar amount?!?? For over 700 dollars worth?!?!? Thats not a coincidence. Are you really that stupid??? No Youre just con-artists!!! The order number and time on the screenshots didnt match the transaction details on the payment, because the first transaction never happened!!! DUH!!!! Lastly, I showed you proof via the checkout page that XXXX did NOT accept my PayPal for payment!!! And I also told you that XXXX confirmed said order never went through. So theres no way you contacted XXXX and they told you that order went through. You lie Which means you didnt disperse the funds to them, you pocketed all that money for yourselves!!!! STOLE MY MONEY Disputing the charge with my bank.. SCAM-ARTISTS!!!!
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2024 I attempted to transfer {$75.00} from my Venmo account over to my PayPal account. The Venmo service initially would not execute the transfer, stating that the transfer had failed and saying lets try this again. 

I should state, I am a new customer to Venmo. I carefully followed all of their requests during the process of opening my account to verify my identity. The account was opened, and they did accept a deposit from a friend of mine. 

After making several attempts without success, I contacted the customer service department to figure out what was wrong. While I was on the phone with the customer service representative, I received an email from Venmo stating that my account has been frozen, and demanding I send a photograph of my drivers license to them. I did this, and asked the customer service representative on the chat what they had done to freeze my account, they stated nothing. I was told to follow the instructions in the email, and that my account would be unfrozen quickly. I did so, and the account was not opened. A couple of hours later I reached out to their customer service department via phone to the request the account be opened and money transferred, they stated that they could not transfer the money, nor could they offer any explanation as to the exact reasons why the account was frozen in the first place. They also refused to give a reasonable timeframe as to win the account might be opened, only stating a rather vague 7 to 10 days. I explained to the customer service representative that they could not simply kidnap my money for over a week without giving me any reason whatsoever, and I was told that I would just simply have to wait through the process and that they would release my money to me when they could. 

At no point have I been given a good explanation as to why the account was frozen, nor an acceptable timeline for when it would be opened. Taking money from people and not allowing them access to it is theft. Venmo should be fined and forced to give me my money back immediately.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion was, according to their own report, required to remove XXXX XXXX XXXX as a closed account since the statue of limitations requires it. I have been unable to get through to them by phone and filing a complaint, or even getting my credit report, is impossible since they always have server problems.
Consumer complaint received 2018-11-25
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. (TX)

After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the heck are they verifying them with you. Please remove these accounts immediately.
Consumer complaint received 2024-04-17
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. (CA)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (IL)

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. Equifax isnt even reporting on here but i have my equifax report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with equifax, and i will come after XXXX and XXXX. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC. (MO)

I was sent a letter in mail saying I owe a debt to XXXX XXXX. I wasnt aware of any accounts associated with them, nor have I requested to open up with them. I would like to report identity theft.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company has violated my rights as a federally protected consumer on permisssable purpose and furnishing information to non affiliated third parties without my consent. information is in pdf letter stating my case and complaint to them. Also all complaints and disputes to the consumer reporting agencies have not been resolved on this account. The consumer reporting agencies have also not been in compliance and have not gotten my consent to allow furnishing of this account. They have aloud fingerhut to furnish income on my reports of a charge off, have not investigative the issue properly and have not followed laws of a consumer reporting agency because they have not gotten my consent and have not investigated properly at all.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as XXXX XXXX XXXX, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact care credit but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

My identity was stolen to open XXXX  power utility accounts in Texas. All from which are different addresses and the accounts were not open longer than 3 months. I have never lived in Texas and can prove that I have lived in my current address in NJ for 5 years. 

Transworld Systems INC has opened XXXX separate collections accounts with " XXXX XXXX ''. I contacted XXXX XXXX and they could not send me specific account information for the fraudulent accounts. They also were not able to locate all of the identity theft accounts listed in my credit report. They were only able to locate XXXX of the XXXX accounts. See below... 

XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$320.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$730.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$530.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$990.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX  - Account type Collection Date opened XX/XX/2023 Status Collection account. {$330.00} All of the above accounts were open between XXXX and XX/XX/2023. Each fraudulent account is associated with a different address in Texas.These collection accounts are not mine. This is identity theft. 

Transworld System Inc also opened a XXXX power utility collections account in XXXX. Information below. 

Account name XXXXRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$180.00} Lastly, there was another power utility identity theft fraud account opened in my name in XXXX by XXXX XXXX XXXX. This account was also opened in Texas. See below for details. 

Account name XXXX XXXX XXXX IN Original creditor XXXX XXXX XXXX XXXX  Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$840.00} I called each power utility and they informed me that in Texas, you do not need any identification to open a utility account. You can simply provide someon'w social and you can start service. I also asked if they could flag my name and social to prevent someone else from using my private information to start a new account. They said no. This is ridiculous. These companies should not be able to operate if they can not protect everyone 's information.