davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 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 purpose.
Consumer complaint received 2023-12-27
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: Westlake Services, LLC (FL)

On XX/XX/XXXX  I received an alert of a new inquiry on my XXXX credit report. I contacted XXXX and let them know that I had not authorized an inquiry on my credit report and that when the inquiry took place ( XX/XX/XXXX  ) I was on a cruise ( XX/XX/XXXX  - XX/XX/XXXX  ). XXXX told me they could not remove anything from my Credit Report and that I should contact the Creditor to have them reverse/correct the inquiry. The only other way would be with a report of identity theft/fraud from the FTC. 
XXXX provided me the contact information of the creditor available to them ... Westlake Service Inc XXXX. The date of the inquiry was XX/XX/. 
I contacted the company by phone. The person I spoke with told me their Credit Inquiry Dispute department did not speak to anyone on the phone and I would need to send them an email to XXXX which I did. After several back and forth communications and me providing all the information available to me they said : " Your inquiry # XXXX has been updated. 
Unfortunately, after researching our systems, Westlake Financial was unable to find the inquiry. Please provide more information or a snippet of our inquiry for further assistance. '' I contacted the FTC at the number provided through Identitytheft.gov and the person I spoke with said they couldn't open a report unless an account was successfully opened. I contacted XXXX again and the person I spoke with said they have had people get reports for the same inquiry problem from the FTC through reportfraud.ftc.gov. That is where I have submitted this request.
Consumer complaint received 2022-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

A debt Validation letter was sent to the company on XX/XX/2021 and was received by the company on XXXX.No response has been sent back to the consumer. The creditor also has not notified the credit bureaus that the debt is being disputed. This debt is unfamiliar and needs to be cleared up.
Consumer complaint received 2024-04-26
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. (CA)

In XX/XX/XXXX, I found XXXX charges on XXXX my unused citi credit card. I filed a dispute immediately. XXXX is solved easily. Then, I found that this {$10.00} from XX/XX/XXXX is back in XX/XX/XXXX. I called citi bank XXXX department immediately. I made it very clear that I had NOT used the card for more than XXXX year. I have XXXX other citi cards that I use daily. there is no incentive for me to use that card to pay any company. I am very worried about citi credit card security system. The staff asked whether I received anything from the vendor. I SAID NO. He told me that he will take care of this, and I do not need worry. 


I received a mail for the XXXX statement from Citi in XXXXXX/XX/XXXX week. Citi even charged me an interest for that {$10.00}. I was very disappointed. I called citi again. I asked to talk with a XX/XX/XXXX The person that I talked with is XXXX. I repeated the same thing. I did NOT do the purchase. I very worry about citi credit card system. That is why I check my account daily now. She told me that the used address in that purchase is not my current address. She said that she will take care of this and speed up the process. I did not get any response for XXXX weeks. 

After XXXX weeks, I sent an email to Citi ( XXXX ) to discuss my case. I did not get any response. The bottom line is that I DID not do the purchase. Someone definitely stole my personal information fromXX/XX/XXXXside system. Citi did not make any efforts to protect their customers.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.However, to my dismay, these disputes have not been duly noted as required by law.Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 


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 2024-03-30
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. (IL)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by TransUnion and XXXX. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from CXXXX 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  not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the XXXX XXXX  ( XXXX XXXX, 15 U.S.C. 6802, aimed at protecting consumer privacy. 

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by TransUnion and XXXX must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide TransUnion and XXXX, along with the implicated entities, a strict deadline of five business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : XXXX XXXX XXXX open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with XXXX XXXX, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through XXXX XXXX. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to XXXX XXXX. 

In XXXX, I received a refund from XXXX XXXX  for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from XXXX XXXX, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-24
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-26
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-11
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. (NV)

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 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC (CO)

its with colorado XXXX XXXX  also in arizona they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i worked at a XXXX XXXX way out in another part of colorado that iv never even been in iv never been as far as XXXX  and XXXX  this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with pay pal i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone wise iv only had XXXX  it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe progressive insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how XXXX XXXXXXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My rights enacted by the FRCA, FBCA and Privacy 
Act are in violation by the unaffiliated 3rd party(s) this complaint is going to. For 
items that have been placed on my credit report. I have included attached 
documents of these items. As per 15 USC 6802 (b) and (c). I was never provided 
the knowledge of the opportunity to opt-out of my personal information being 
reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments 
that are being listed that were never verified and violated my rights per 15 USC 
1666b. Both the credit furnisher and reporting agencies are in violation of these 
acts. They are unable to provide adequate verifiable proof. Which has also been 
attached in the documents uploaded, providing exact types of acceptable proof to 
have it considered verified. Lack of this acceptable proof based on the claim is 
lack of Corporate Compliance and a crime. If the proper recordings matching the 
letters are not rectified within 30 days and updated immediately with proof of the 
update. I will next exercise my rights to take legal actions. Since both parties are 
currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve 
Act Section 29.
Consumer complaint received 2024-03-30
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. (WA)

I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached a screenshot of the report to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Ive been receiving phone calls from portfolio recovery for over the last two years. They will call me from numbers I will tell them to not call and they will call from a different number and I will tell them again to not call me back and they do from different numbers in state and out of state. They will call all hours of the day and night. I will block the number they called from and then they call me back on another number immediately. If I get a call from them and I ignore it they will call me back immediately again from another number. 
They also send me mail all they time in different formats of mail, letters, prize type award stylized letters
Consumer complaint received 2024-03-30
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. (NJ)

Trans Union fail to remove a fraud account by XXXX XXXX XXXX XXXX  I caught them in a lie on a record line. They hung up in my face because I caught them lying to me about not receiving my FTC paperwork!! they knew that an FTC report was sent out on XX/XX/XXXX. Which the account was close on XXXX XXXX was the first to report that the account was closed. Transunion refuse to remove it because so called of lack of documentation which the documents was mail on XX/XX/2024 but they still fail to remove it.