davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. 

FTC report was submitted and mailed in to Equifax however Equifax is breaking FCRA 605B ( 15 U.S.C. 1681c-2 ). No block has been made and they're still reporting on my consumers report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received mail from TransUnion regarding a previous dispute. They did not delete accounts that contained OBVIOUS INACCURACIES AND VIOLATIONS. Still reporting are unknown accounts, accounts reporting concurrently as " open and " closed '', re-aged accounts, accounts with conflicting dates. For example, please tell me how an account was open on both the XXXX of a month AND the XXXX of a month??? How is this an example of a " verified '' " accurate reporting '' of an account??? I've also added several XXXX accounts that I just noticed are reporting negatively for 2012. I was always on top of deadlines and called this company all the time often WAY ahead of time, even when they were still XXXX XXXX. I always filed paperwork on time if needed. Also, XXXX has never mentioned an issue with my account and has literally made up a story about supposed lateness in 2012 and supposed calls they made to ME. In addition -- and most importantly -- XXXX  has not ever provided me bank statement / transaction proof of supposed late payments ( AS THE LAW REQUIRES ) -- BECAUSE IT NEVER HAPPENED! I was never late! See attachment, which also includes my  identifying information.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, XXXX and Equifax still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XXXX  and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
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 (NC)

the scammers of paypal did block my payout just after I had received funds to my paypal fundraiser https : XXXX after half a year I still have no access to my funds but even worse they locked me out completely from my account. I can not login with my password or email. they prompt a message we keep you safe!!!!! hahahhaa they keep safe my money to them selves!!!!
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later.

There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part. 

We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver. 

This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280
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. (TX)

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 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My property taxes dropped in XXXX due to being XXXX due to a military service XXXX in Florida. As such my property taxes are no longer paid, what I now pay is {$700.00} annually ( Paid in XXXX 2015 ) for my XXXX XXXX XXXX assessment. My homeowners insurance is {$1000.00} ( Paid in XXXX 2015 ). Nationstar Mortgage is collecting XXXX monthly to cover the escrow. I have {$2800.00} in escrow, even though all insurance and taxes have been paid for 2015. Nationstar has refused to adjust the escrow account, nor refund the excess, as required by law. Please advice! Nationstar was notified in XXXX 2015 of the property taxes changes ...
Consumer complaint received 2024-04-22
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. (NV)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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)

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, TransUnion and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose
Consumer complaint received 2024-03-31
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: CITIBANK, N.A. (NJ)

I made a transaction on XXXX for a service using my credit card. After payment, the merchant refused and broke the terms of the agreement. I asked for a refund and the merchant refused. 

I contacted XXXX and my creditcard company to file a dispute immediately. XXXX upon hearing that i made a dispute with my credit card company stopped resolution and stated that they would only expediate the case if i canceled my dispute with my credit card company. A blatant form of blackmail from XXXX
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I purchased a car on XX/XX/XXXX, and on XX/XX/XXXX I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I XXXX took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Wells Fargo got the check in XX/XX/XXXX and I reviewed my credit report in XXXX and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. I spoke to a lady name XXXX in the Offices of the President in the Corporate of Wells Fargo, she would not give me her last name. Her extension # is XXXX, phone number is XXXX. 
She is the one that said she recommended that my remaining balance ( {$570.00} ) be forgiven because of the financial harm they have caused me. Account # XXXX. But after months of waiting on that, she said the company is not going to help me. On XX/XX/XXXX, I spoke to XXXX XXXX, extension XXXX. He said the best he would do for me is, if I pay the remaining balance of {$500.00} and they will take the charge off - off my credit report. I told him that was not good enough, because he said the 30 day lates would stay on my credit report. I told him that was not accurate. This company has caused me financial harm to my credit and defamation to my name. They have been reporting this false information on my credit reports going on a year now and I have suffered in higher interest rates on loans I have now
Consumer complaint received 2024-04-20
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Today ( XX/XX/XXXX  ) I had made a few purchases during my lunch time at work. Later that afternoon when I went to XXXX XXXX and tried to make a purchase, my card declined despite having money in my account. Then I went into my online banking account and was unable to look at my account balances. Afterwards, I called the number that was given to me by the Bank of America. I was told that the bank decided to close my accounts. I had asked why and I was told it was a " business decision '' There was no wrongdoing on my part. I've been with Bank of America for several years.
Consumer complaint received 2023-09-24
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. (NJ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Dept of Education /XXXX Account # XXXX {$3500.00} {$4600.00} {$6500.00} {$3300.00} have violated my rights. 

15 U.S.C 1681 c-2. Congress states that the bureaus have 4 days to block and remove any information you identify as identity theft 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 an 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 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist bank does not allow loan deferment. They require an approval of unemployment benefits or the return to work date. This means myself, who has been unjustly fired from my job and am trying to fight that, has no options but to default on my car loan. Thus putting me and all their future customers needing this support into further financial crisis. This is obviously predatory. The Truist agent actually told me to " borrow the money from someone ''. Wow.
Consumer complaint received 2024-01-03
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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
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. (GA)

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 : XXXX XXXX XXXX Account NumberXXXX 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my XXXX XXXX account number XXXX, I have maintained a flawless payment record, ensuring that I never missed a payment deadline on both XX/XX/XXXX and XX/XX/XXXX. To my astonishment, upon scrutinizing my XXXX credit report, I was taken aback to discover a glaring discrepancy indicating that I made a timely payment on XX/XX/XXXX but was late on XX/XX/XXXX. This misinformation was deeply concerning, as it directly conflicted with my meticulously kept payment history. Strangely enough, when cross-referencing the information with XXXX and TransUnion, these credit bureaus reported that I was late on XX/XX/XXXX but punctual with my payment on XX/XX/XXXX, aligning accurately with my factual payment records. The inconsistency among the credit reporting agencies has sparked significant unease and apprehension regarding the accuracy and reliability of my credit report, potentially impacting my credit score and financial standing unjustly. In light of recent developments for credit consumers, a groundbreaking legislation has been passed that aims to revolutionize credit reporting standards, emphasizing greater precision, fairness, and transparency in the system. These new regulations herald an era of enhanced consumer protection, empowering individuals with stronger rights to dispute inaccuracies, demand corrections, and ensure the integrity of their credit information. In light of these changes, I unequivocally demand the immediate removal of the erroneous late payments from my credit report, as they are unequivocally false and unjustly tarnishing my credit history. It is imperative that the credit reporting agencies rectify this error promptly to uphold the integrity of the credit reporting system and safeguard my financial reputation.