davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} RESIDENT VERIFY XX/XX/2021. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-05-18
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.

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. 

Name of Account Account Number Verification OFFICE OF THE ATTY XXXX XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX  XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identitu Theft. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

XXXX has reported XXXX collections on my credit report that do not belong to me. I have contacted them via certified mail so that they will comply with federal laws and disclose information about the alleged accounts but they have ignored my request. 

XXXX never notified me or sent me any type of notice regarding these accounts.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

I have a British Airways credit card from Chase. One of the card benefits is that if you spend {$30000.00} in one calendar year, you receive a companion Travel Ticket. 
To reach this {$30000.00} target by XX/XX/XXXX, I used the card on XX/XX/XXXX with a purchase of {$3500.00}. This made my XXXX total of {$30000.00}. 
Chase states my calendar year purchases only total {$27000.00} and they will not count the {$3500.00} purchase because in their system internally it posted on XX/XX/XXXX. However, the XXXX credit card statement sent to me by Chase from XX/XX/XXXX shows the purchase of {$3500.00} was on the date of XX/XX/XXXX. 
Their Terms & Conditions state " Cardmember must make {$30000.00} in Purchases in a single calendar year on their British Airways Visa Card to receive a Travel Together Ticket. '' The T & C does not specify posting date, only Purchases as defined in a single calendar year. 
I have fulfilled the requirement but Chase refuses to honor my claim.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TN)

1.I have never had an account with this company AMERICAN EXPRESS , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AMERICAN EXPRESS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Accounts Service Team Inc. (TN)

XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX  ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.
Consumer complaint received 2017-11-08
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (MA)

Hi, I have a XXXX XXXX XXXX. My landlord ( XXXX XXXX ) offered a partnership with XXXX XXXX XXXX XXXX to pay for my rent. This worked fine for about XXXX year. The rent is automatically deducted from my checking account ( XXXX XXXX ). On XXXX the payment went through as usual. However, on XXXX I was surprised to see that I got charged for my XXXX and XXXX rent ( attached are the statements of my checking account and the XXXX XXXX XXXX ). The issue is that XXXX XXXX XXXX  charged my checking account on XXXX for my XXXX rent and also charged my credit card for the same amount. In other words, they charged me twice for my rent. I have tried to find a resolution for this issue, they said that they are going to investigate and that it will take 30 days or more to issue a refund. They refuse to send me a confirmation email so at this point I don't even know if they are going to give me my money back XXXX Charge to my Checking Account : XXXX ( XXXX ) XXXX charge to my Checking Account : XXXX and XXXX Thanks
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... Experian and XXXX  has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Consumer complaint received 2023-01-08
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. (MD)

XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account.

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX loans are now consolidated into XXXX and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CT)

On XX/XX/2022, Paypal took {$940.00} from my business checking account with XXXXXXXX XXXX It was an " ACH withdrawal, PAYPAL XXXX XXXX XXXX ''. We have no idea who or what this is. We have spoken with XXXXXXXX XXXX who said we have to go to PAYPAL, since they got the money. We have spent hours on the phone with PAYPAL and with supervisors. The supervisors have told us that Paypal does not keep records after 60 days. We are in shock to find out that a financial institution like PAYPAL does not keep records after 60 days and can not tell us why they took {$940.00} from us. We want you to verify what PayPal has said, i.e. that they are not required to keep records from XX/XX/2022. If that is not true, please tell us how we can proceed against PayPal. This is an unauthorized withdrawal from our bank account and PayPal got the money. We believe they must be able to tell us why they took it out and who they gave {$940.00} to. Please help.
Consumer complaint received 2024-03-19
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)

I do not have specific dates, for it has been so many. For awhile things were looking good and inaccurate debts were removed from my credit report. However, the activity has started back up again. When I try and dispute anything, they do their investigation, with no involvement on my part. Then, they always side with the debt collection companies. I am never questioned, nor shown their evidence as to why they voted in favor of the debt collection company. I know my rights under Maritime Law. I know my body is traded on the stock market ; that I am owned. I know, I could claim that stock at any time if I fill out the proper paperwork correctly. I am just trying to get by and maybe ahead in this world. This system is designed to keep creative people who just want to be left alone to suffer financially to these blasphemous sharks who make up debt withholding under fraudulent conditions. My score finally began to rise and they find a way to take it down again. I do not even know how these companies come up with these in the first place. I received a letter in the mail the other day saying I never paid back a payday loan and Ive never received a payday loan in my life. They claim I closed a bank account which I never had and couldnt even get a bank account until a few years ago. This is just an example I am giving you, because this is the type of company that the XXXX major credit reporting agencies always side with, and I have no idea, because it has never been proven that these debts are mine. They are even saying I went to XXXX. I know nothing will be done, and you are probably part of the XXXX  that does not have the protection of people in your interests, but I have a right to speak up. The only solution, I can think of to do, is stop trying to participate in this system any longer. I just wanted to raise my score to be able to help my family in the future.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor have violated my rights. 

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

Under 15 USC 1681 Section 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B Section States a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-06
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. (MO)

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and TransUnion has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Someone in Arizona opened an account with XXXX in my name in 2019. They made a few payments to not damage my credit, as they were using my credit for other fraudulent accounts as well. XXXX is reporting this charge off to Experian and has been for quite sometime. I've tried everything I can to talk with someone there about it including calling XXXX XXXX. When I finally spoke with XXXX XXXX he said he was having XXXX treatment and I should not bother him again. The last response from the company was that they needed everything in the file in order to speak with my attorney XXXX XXXX. I've since provided everything they have requested and when I speak with their customer service they just say they are working on it and someone will respond to me in 3-5 days, but nobody ever responds.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.