davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts/Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

Venmo has blocked over {$8000.00} on my venmo wallet since many months now! 


in XXXX they wrote me the following : You have a new message from Venmo regarding request XXXX XXXX  To respond, simply reply to this email. 
Hello XXXX, Please reread the email you received. As was explained in the email you are replying to from my colleague, XXXX 

Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our Standard Transfer option XXXX XXXX XXXX XXXX XXXX. You will NOT be able to Instant Transfer your remaining balance to a debit card or bank account. 

Bank-funded transfers in and out of Venmo are reviewed and could be delayed or blocked if we identify an issue. Reviews may result in funds beingheldor removed from your account. For more information, please read aboutReviews of TransfersIntoand Out of Venmoin our Help Center. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- - but untill today their system is not allowing me to add my new bank account! its been half a year they have my money! and fool me around with copy paste emails!
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase Freedom credit card, and when I go to log in online it now asks me to accept a Digital Services Agreement which is 125 pages long. I am not going to read through such a long agreement with Legalese which is obviously in favor of Chase Bank. Why can't they just include any changes that are being made to the original services agreement I signed when I opened the account? It is obvious they want people to just shrug their shoulders and sign the agreement without knowing what they are signing or the risks to their account or credit. Is their any recourse that customers have to amending or eliminating such an agreement?
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (IL)

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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-04-15
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. (NY)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts/Collections that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - 2022-XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2024-04-15
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (NY)

I requested information this last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (PA)

I went online to shop for a honda XXXX XXXX  I received a certified offer to go any dealership to receive the lease for $ XXXX month XXXX miles/ year for XXXX months. When I got in for of the finance person he would not honor the deal. I have a credit score over XXXX and definitely should have received the best financing. However, I believe because I am a XXXXXXXX XXXX I did not receive the financing originally offered online. 

Further, my current lease contains an extra {$50.00} for the Ciry of XXXX were I do not live.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE (KY)

I filed a complaint with you guys... complaint # XXXX and Barclays got you guys to complete and close the case by submitting a response to you and than mailed me a different response... it was a letter stating they were closing the dispute and it was addressed to me, about a dispute from XX/XX/22 for a company I have never done business with- '' XXXX XXXX XXXX and an amount that was XXXX and my dispute is for XXXX XXXX. When you call Barclays about all this ... .yet again... XXXX.you cant hardly understand the people and its just one big repeating themselves of the same that they say each time... ..please reopen case or stat a new one for this dispute. I have attached the letter that has nothing to do w/me or my statements ... .ever w/Barclays. This letter is also a complete different response they said to you, to get you to close the case... .per your advice, I have also filed a complaint XXXX FDIC this morning
Consumer complaint received 2024-04-15
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. (FL)

I am writing to express my deep concern and frustration regarding the unresolved issue of unauthorized inquiry that persists on my credit report. Despite my initial attempt to rectify this matter, the lack of action on your end is unacceptable.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX and TransUnion, I am writing to dispute and request the removal of an account that has appeared on my credit report, which was reported by XXXX XXXX. After thorough investigation, I have determined that I neither opened nor possess any account with XXXX XXXX. 

The presence of this account on my credit report is not only inaccurate but also constitutes a violation of my rights. Despite my repeated attempts to resolve this matter with XXXX XXXX, they have failed to provide me with any contractual agreement or substantiating evidence to validate the existence of this account. 

I am formally requesting that XXXX and TransUnion remove this fraudulent account from my credit report immediately. It is imperative that my credit history accurately reflects my financial standing, and the inclusion of erroneous information by XXXX XXXX is unacceptable. 

I kindly urge XXXX and TransUnion to conduct a thorough investigation into this matter and take prompt action to rectify the inaccuracies in my credit report. Your assistance in resolving this issue promptly would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent XXXX XXXX a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express my deep dissatisfaction and frustration regarding the repeated failures in opening my accounts with XXXX Credit Bureaus. Despite numerous attempts, it is disheartening to inform you that the issue of delayed account activation has not been resolved. 

I initially applied to open accounts with Credit Bureaus. This was an important step for my financial and business needs. 

After completing the required documentation and following all the procedures outlined by your team, I expected my accounts to be activated within a reasonable timeframe. 

However, despite your assurances, my accounts remained inactive well beyond the promised activation date, causing significant inconvenience and disruption to my financial affairs. 

Frustrated by the delay, I filed my first complaint regarding the late opening of my accounts. I was assured that the issue would be investigated and resolved promptly. 

Despite my initial complaint, I received no communication or updates regarding the status of my accounts. There was no improvement in their activation. 

Subsequently, I made several follow-up inquiries to your customer service department, seeking information about the status of my accounts. Each time, I was met with vague responses and no concrete action taken to resolve the issue. 

After the lack of progress and numerous attempts to rectify the situation, I filed a second complaint. At this point, I had already faced considerable financial losses and substantial inconvenience due to the unavailability of my accounts. 

Once again, I received assurances that my accounts would be opened promptly, but to my dismay, the issue remains unresolved as of today. 

This ongoing delay in opening my accounts has caused me immense frustration and financial hardship. I am deeply disappointed by the lack of attention and resolution from your end despite my continuous efforts to seek assistance. 

I urgently request that you take immediate and concrete actions to rectify this situation. I expect a swift resolution to the issue, including the activation of my accounts and access to all associated services within the exact timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If my accounts are not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including reporting it to relevant regulatory authorities and seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. I am asking for your assistance to correct the following late open accounts immediately from my credit report : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$15.00}.
Consumer complaint received 2024-02-02
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. (FL)

XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : This is a new complaint and request this gets handled immediately as it is damaging my credit and ability to obtain credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. I would like to request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2023 I woke up and saw a mobile deposit in my account that I did not recognize or authorize but before any of that I had a balance of XXXX in my account when I woke up Friday morning I tried to make a withdrawal at truist bank and they told me I couldnt