davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (PA)

I opened my discover credit card in XXXX of XXXX and was making on time monthly payments for almost a year straight then in XXXX of XXXX the reason I missed the first payments on my account was due to a medical emergency I was hit by a car in XXXX of XXXX and I was out of work for XXXX weeks due to my XXXX and XXXXXXXX and financially it was one of the worst times of my life as a single mother I feel behind on everything. In XXXX of XXXX my client who I had been doing XXXX for almost 2 years passed away. I became XXXX in XXXX of XXXX and was unable to find a job I just had my XXXX in XXXX of XXXX. The first month after my injury was financially the most difficult time of my life and this is when I missed that single payment. I wish I could of kept up with my end but I feel behind on everything and Im just now catching up but this on my record for the future of me is going to stop me from a lot of things I financially take responsibility but I ask that you please give my account a good well credit. Your taking me to court for XXXX and I just had a XXXX for the last 2 years I was in employed
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted disputes to Transunion which they refuse to resolve. They require the consumer to do the work of obtaining a letter from creditors who pulled credit without authorization and do not attempt to resolve those issues on behalf of the consumer. This is my XXXX attempt to get the same inquiries off of my credit report.
Consumer complaint received 2023-11-28
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 just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Yesterday and for over a year I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.
Consumer complaint received 2024-01-01
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. (GA)

My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries from my consumer credit report, permanently. I also ask that Equifax please correct all inaccurate information. 

NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax. ) The Following Hard Inquiries Are Fraudulent and Must Be Removed Permanently : Company Name : 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 My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately for {$1000.00} dollars for all inaccurate accounts, inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. 

Thank you.
Consumer complaint received 2023-01-20
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. (MI)

I have a standby cash account with XXXX and on XXXX XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/ when I I did exchange through them just in XX/XX/ and then I have to argue to let them exchange money and they spent exacly 1 hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.
Consumer complaint received 2023-10-10
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated (FL)

My identity was stolen on XX/XX/XXXX. I was unaware of it until I saw it on my credit and disputed it around XX/XX/XXXX. I was called regarding it from the collection agency and reported that it was open fraudulently and told them over and over again and they said they were going to take care of it. It came off my credit around XX/XX/XXXX. I never saw it on my credit. five years later XX/XX/XXXX of XXXX they reopened it on XX/XX/XXXX. They are now continuing to call me, They are harassing my family. They have repeated my Social Security back to me over the phone and threatened to track me down and told me that I needed to appear in court in a state Ive never been. I have not received paperwork. They told me that they ran my credit, it is NOT accurate. I have disputed it over 10 times. I proof of when it was opened and when they reopened it five years later. and the date that I have disputed it in XXXX. I dont feel comfortable with the situation. I am a victim of identity theft. this was disputed five years ago.
Consumer complaint received 2024-04-08
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. (TX)

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$440.00} XXXX XXXXXXXX XXXX  - XXXX {$440.00}
Consumer complaint received 2024-01-01
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. (NY)

Equifax, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires & unknown account that are reporting on my credit report. Please remove all and delete. 
XXXX XXXX INQURIY DATE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX-DELETE NAMES : XXXX XXXX I DO NOT GO BY - DELETE
Consumer complaint received 2023-04-13
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. (ID)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Disputed account information via credit bureau. Company did not provide validity of original contract with Portfolio Recovery. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.
Consumer complaint received 2024-04-08
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on 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 Ive attached a copy of my report.I 'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CT)

I stopped using the credit card when it changed from XXXX XXXX XXXX to Marcus by Goldman Sachs about XXXX years ago. There happened to be a balance and fees on the card which I paid and closed the card at that time. I forgot about the card. 
It so happened that there was XXXX XXXX remaining balance on the card. I was sure the card had been closed... Then after a few months I was somehow informed that there was a XXXX balance on the card which I considered closed. I called them and tried to explain that I didn't need to use the card and if they wanted me to pay the XXXXXXXX XXXX balance they should have notified me about the balance instead of keeping it open despite my decision to close it and adding monthly late/non-payment charges to it. 
The bank people are now calling me and threatening with collection. Please help me to solve this situation with the GS bank.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (TX)

These inquires are unauthorized and they are not related to any transaction by me : Equifax : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC (TX)

MR. XXXX calls and tells me he is with the legal department. Claims to have a check that I issued and left them with. I have never issued them a check. In XXXX I told him I have an account with XXXX  XXXX, infact I have 2 other credit cards with them thru XXXX XXXX which is owned by XXXX XXXX as well. Therefore If I owed XXXX XXXX, why would they turn around and issue me 3 more. I have asked him to STOP calling me. He continues to call from this number XXXX. Today I called back and the lady that answered pulled up my number and said " I apologize for the call, I see we have you on the do not call again list ' disregard the call. Then about about 4 hours later I get a call from MR . XXXX from XXXX, I got 3 calls from there and answered to find it was him again, threatening to take legal action, threatening to come to my job or home to serve me. At first I didn't know it was him, I told him what are you talking about and he said This is MR. XXXX, you called the collection agency this morning did you not! I then realized it was him and once again I said STOP CALLING ME! And I hung up.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

continuing to report a balance on a sold debt is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ) the balnce must be reove at once or a class action law suite will be filed
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

My Venmo was frozen early last year. I opened a request to see why and I was told the account would be closed permanantly because I did something that violated policy. I did not. I have not. They didn't tell me what.
Consumer complaint received 2024-04-08
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-08
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-10-10
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-04-08
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. (FL)

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.

15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor more than seven years.

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your companyXXXX XXXX XXXX, to ask the Bank of American branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, XXXX XXXX 
Sincerely,