davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Acct # XXXX. XXXX XXXX XXXX ; Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX XXXX Acct # 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 an account without my written instruction.

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 items 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 2022-10-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialityunder 15 USC 1681. 

XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # 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 bymore than seven years.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (VA)

Within the last year several of my credit card companies have assessed late fees & interest to my accounts.This is due to the fact that I did not receive the prior months printed statement.I receive paper statements for all my credit cards & pay the total amount owed each month.When I notify the credit card companies that I did not receive the previous month 's statement of this they tell me they can not remove these charges because I could have accessed the statement online.I do not want online statements & the card companies are constantly reminding me that I can switch & go paperless.I think they are now trying to force the issue by periodically not mailing a statement & assessing & trying to collect fees for non payment
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (OH)

An eviction record has been placed on my report.   I was not evicted and the lease was terminated through a bankruptcy proceeding.   Bankruptcy case #  XXXX .   Bankruptcy case was officially discharged.   Local eviction case was dismissed in local court but the record is still showing on my report.   Apartment community  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX , GA  XXXX
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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..
Consumer complaint received 2017-05-12
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The CBE Group, Inc. (KY)

I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.
Consumer complaint received 2021-11-10
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: GOLDMAN SACHS BANK USA (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXXXXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.
Consumer complaint received 2022-10-31
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. (GA)

I have a repo with XXXX XXXX on my credit report in which I do not dispute owning the account, my dispute has been the repo itself and the failure to provide me the documdnts required by law regarding this matter I have reached out to the company multiple times and there has been no response, I disputed these facts with Transunion who responded they investigated this matter and determinef I own the account again I have not disputed ownership, XXXX XXXX is reporting I owe approx. {$9000.00} yet has failed to provide requested documentation in regards to this repo such as the vehicle resale information
Consumer complaint received 2022-10-31
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following o XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX  Balance : {$100.00} o XXXXXXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} o XXXX XXXX XXXX Balance XXXX {$4500.00}
Consumer complaint received 2017-08-28
Product: Credit card or prepaid 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)

I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-10-31
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX OF XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2017-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (GA)

My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.
Consumer complaint received 2022-10-31
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)

Experian isnt complying to my requests. 
This is not a Dispute I am requesting items I identified removed from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft immediately already disputed which I should have to if your are in Compliance there shouldnt be a Dispute and where the investigations evidence that you are in accordance? 


See attached for verification
Consumer complaint received 2022-10-31
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. (CT)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-31
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. (CT)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (WV)

I used my Truist credit card in XX/XX/XXXX in XXXX and never used it again after that. On XX/XX/XXXX Truist notified me of two suspected fraudulent charges on my credit card. I replied the same day, confirming they were fraudulent. I attempted to call the number at Truist several times, but they did not answer that number. Since then I have been to my local Truist Bank four times, and the employees there have spent at least 3 hours trying to resolve this issue. 
Truist now says I owe them {$200.00} for fees and interest on the credit card because of these fraudulent charges, and have caused my credit score to be reduced from XXXX in XX/XX/XXXX when I started with Truist, to XXXX today.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-31
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. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to XXXX and TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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