davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-01-13
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. (IN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX, XXXX Inquiry : XXXX. XXXX, 2020
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION (HI)

On XX/XX/2022, Pentagon Federal Credit Union debited my XXXX  XXXX checking account twice for {$400.00} causing a negative account balance and a {$250.00} withdrawal from my {$1500.00} overdraft protection service which accumulates at a 14.65 % rate of interest. With checking account transactions pending and a negative balance, I will continue drawing funds from my overdraft protection service until Pentagon Federal Credit Union rectifies the error and credits my checking account with the {$400.00} duplicate debit. The credit union attributed the error to a system flaw and after more than XXXX hours from the time which the duplicate funds debited my account, no resolution has yet taken place. I contacted a credit union customer service representative and the representative, in consultation with management, can not provide me an expected time for a permanent resolution or fix. My family and I live on a very strict financial budget and this has caused a critical emergency due to the lack of funds we need for our daily subsistence. I must now find other financial sources for paying our financial debt which includes the cost of daily meals and vehicle transportation fuel.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

Lexis Nexis has been sued before because of incorrect reporting. My consumer attorney had them investigated ( and sued ) a few years ago for discriminating information gathering ; about minorities on my job. Now after our consumer attorney painstakingly worked to fix problems with the credit agencies about not correcting civil judgment lawsuit information ; I was encouraged to check out three other credit agencies for correct information. 
I contacted Lexis Nexis, and they sent me a report that contained not only wrong information, but had infused my sisters name and info and my fathers driving record. This is an invasion of privacy. 

Correct : I did have a traffic citation ( 39 before the 35 mph sign on a road ). I paid the fine early and my license was never suspended.

They have : Me XXXX and license suspended. I sent them three records : XXXX XXXX, never ended ; Court record, paying fine ; and DMV record, never suspended. I did this by XX/XX/2020 ; and they have not responded. 

I am thankful that we have consumer attorneys looking out for us, as I would have thought that after the former lawsuits, Lexis Nexis would be conducting lawful business. I wonder how many jobs were lost because of their carelessness toward citizens. 

I would appreciate if they would do the right thing and correct wrongs and respond to inquiries when asked without us having to report them. 

Sincerely
Consumer complaint received 2022-11-15
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 (VA)

I have been trying to close my PayPal account since XX/XX/2022. They informed me through email after I closed my PayPal credit account within 7 to 10 days they could close my PayPal account. They have refused to close my account. I have a confirmation email and # XXXX that my PayPal credit account was closed as of XX/XX/2022 yet they refuse to close my regular PayPal account. I have spent over 6 hours on the phone with them arguing back and forth. I just want my account closed. I have followed their instructions and now it's time they do their part and close my account.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-16
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. (CO)

In accordance with the fair credit Reporting act XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2016-02-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (FL)

SYNCB.have report inaccurate information to credit bureaus in violation Of FCRA, damaging my ability to obtain credit, the Cfpb have the obligation to investigations THE SYNCB IN VIOLATIONS OF MY CONSTCONSTRUCTIONAL RIGHTS MY SOCIAL SECURITY # XXXX TO LOCATED AL XXXX ACCOUNTS, XXXX, WALMART, TOYURUST, AND CANCELED MY INSURANCE BECAUSE I BELIEVE IM XXXX, IN VIOLATION OF ADA
Consumer complaint received 2024-03-25
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. (MD)

These accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to supporThese accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.t my claim.
Consumer complaint received 2024-03-25
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 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, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 2021-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2022-11-21
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. (FL)

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2024-03-25
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. (PA)

According to FCRA XXXX, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.
Consumer complaint received 2021-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

On XX/XX/2021, I reviewed my credit file for any updates on my XXXX, XXXX and XXXX credit files, but what I noticed was that ARS had added another XXXX Accounts - XXXX XXXX, without issuing a notice to me or documentation showing proof of the claim, so that I could have my insurance company billed correctly. 
The current account on my credit files is for XXXX # XXXX in the amount of {$900.00}, along with my last request for compliant, that was closed by CFPB # XXXX, dated XXXX, in the amount of {$470.00}. Again, they have yet to issue proof of the claim for the XXXX Bills, provide proof that they provided documentation, since they claim to be the original creditor. I believe once again this agency has violated my rights as a Consumer ; the right to have the information be accurate and be informed of any debts on my credit before giving me the right to dispute before altering my credit files, per the FCRA. 
My next step is to the Attorney General Office.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXXXXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete
Consumer complaint received 2021-01-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-01
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. (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 U.S.C. 1681. 

Account : Child Support Enforcement # XXXX, Account : Child Support Enforcement # XXXX, Account : XXXX  XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Bank XXXX XXXX, Account 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 2020-12-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

Refinanced mortgage with XXXX XXXX. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). XXXX XXXX XXXX says they did not receive until Monday XX/XX/XXXX Since it was past the XX/XX/XXXX of the month, they reported delinquent payment to my credit report. I disputed via experian to no avail. I called XXXX XXXX XXXX XXXX XXXX and they claim they can not remove from my credit
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern I am writing this complaint today because of the way transunion is conducting their investigation and their insulting comments stating that it might not be me who is submitting the request to dispute items on my account which it was very much me who submitted this request and just because I know what I am talking about and writing with facts and using the USC and the FDCPA to dispute their inaccuracies. They had 30 days to submit me wit the proof and documents I requested with the method of verification and not a computer generated response they sent me. I asked these creditors for debt validation letters but they failed to send that to me also. This is a violation to me as a consumer and I trust the CFPB to help me resolve this matter effectively. On XX/XX/2022 I sent my first letter and received no reply and XX/XX/2022 I sent another letter which they sent me what looks like a computer generated response saying it was not me submitting this request. I am a victim of identity theft and I have sent a Ftc report i submitted to them and will attached it here. These accounts are not suppose to be reporting on my credit. Thank you for reading this.