davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

I noticed unauthorized inquiries on my report. I believe according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed!! 

Below are the list of accounts : 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 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 2023-10-05
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. (CA)

I have over 8 fraudulent car loans on my credit report with equifax informational services. I have submitted ftc report after ftc report and nothing has been removed or deleted. Everytime i call in, over the last 6 months i keep getting hung up on also i keep getting told my ftccreport either isnt valid or they did not receive them which i have sent every letter in the past 6 months certified mail.
Consumer complaint received 2023-09-19
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-23
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: Experian Information Solutions Inc. (OH)

I have XXXX inquiry in my experian credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in XXXX and XXXX that I have NOT authorized : 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 2023-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

A Fraudulent collections account with XXXX collections was added to my XXXX credit report. This account does not belong to me. The initial creditor posting delinquent information is XXXX XXXX XXXX C which I have never done any inquiries or business with. The account was opened XX/XX/2023 with an open balance of {$96.00}. Please verify this information as this is due to identity theft, as I this account and charges do not belong to me.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Continental Finance Company, LLC (OH)

I made a payment yesterday for the amount of {$150.00} to my XXXXContinentalFinance Mastercard credit card. This amount has already cleared my checking account but Surge isnt releasing the available credit line that should be available to me. This has never been a problem in the past when I have made a payment the same exact way. When I called them they stated they had recently change their policy. It now takes two business days for the new credit line amount to be available. That is unacceptable to me if they already have been paid by me. They also said that I could make a payment by using a debit card but that option isnt available on their website only by calling in to talk to a customer service rep and paying a fee to process a payment with them. This is totally unfair to me as their customer. I have been an excellent paying customer since I open this credit card. Please call them to get this issue resolves See attached document that show Continental Finance who is XXXX has been paid {$150.00}. This isnt a pending charge. The amount of {$150.00} has been taken from my checking account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account Name : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I recently received communication from Comenity that they would begin charging a fee for sending out paper copies of account holders monthly statements, regardless if they carry a balance or not. I've had problems with Comenity previously, most recently them continuing to charge w minimum {$40.00} for late fees, when the CARD Act maximum is {$32.00} and has been the lionshare of the time I've been a cardholder. If I have the right to request my monthly statement or any records at any time without charge then charging for a monthly statement to be sent out even if there's a XXXX balance is malicious, brazen, and condescendingly lazy credit card company grift. Comenity has purchased the banks/service contracts for other store cards I have and have been slashing and reducing credit limits, and attempting to issue similar unnecessary fees. Their business model seems set on staying afloat through deception and theft. Charging customers for physical mail because the cost of materials and labor, but also charging customers processing fees for paying their monthly payments if they make them online OR on the phone is not only a malicious grift in nature, it perfectly contradicts the reasoning behind charging for paper statements because those payments are also processed by machine owned by a third party that Comenity chose to outsource an integral part of the commissioning of the services their business provides. A corporation nickel and diming customers for reasons of labor and material costs while simultaneously charging customers perpetual, unnecessary, and oft explicitly illegal fees when to make payments in ways ( Online and telephone ) that remedy and if not eliminate those same labor and material costs ( Said credit card company implies is the reasoning for charging for paper statements ) is fraud. I want a CFPB and DOJ investigation into Comenity Bank, how quickly they're acquring other credit cards or the banks behind them, and their general and full throated disregard for any part of the CARD Act, particularly in regards to arbitrary fees, late fees, bottlenecking cardholders towards their often buggy ( Virtually unusable on mobile ) website to see any part of our balance and charging fees for any sort of payment save a physical bank check. Their new policy is an arbitrary, malicious, retaliatory tax on cardholders that pay Comenity directly, and entirely within their capacity to process, document, and apply the payments, in house where they can't conjure an unnecessary fee for an integral part of their business they willfully and unnecessarily choose to outsource. Cardholders shouldn't be responsible for credit card company lazinesss.
Consumer complaint received 2023-11-11
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. (CA)

In accordance with The Fair Credit Reporting Act. This account XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 

Victim of identity theft, XXXX XXXX XXXX all credit inquiries and XXXX XXXX during XXXX XXXXXXXX XXXX  to be Deleted From Credit Report Immediately.
Consumer complaint received 2022-12-08
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: HYUNDAI CAPITAL AMERICA (MI)

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

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 last for purpose
Consumer complaint received 2023-10-05
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: Atlanticus Services Corporation (NV)

On XX/XX/XXXX a charge was made for XXXX at XXXX and on XX/XX/XXXX a charge for XXXX was made at XXXX which I did not make or authorize. When I did review in detail my physical billing statement from Fortiva Credit Card Company I contacted them to file report regarding the fraud. I submitted all requested documents in timely manor to company. on XX/XX/XXXX I received a letter from Fortiva Credit Card Company Stating that " due to fact that I had accessed my online login and was provided with balance and transaction history prior to contacting fraud unit my claim was denied '' My issue is I have multiple credit card accounts all with various credit limits and various balances. I do not recall if I did login to my Fortiva account or not and if I did the fact that I did not notice fraud had occurred should not be a reason for Fortiva to deny my claim. As sated I do not keep track of all of the many credit cards that I have balances, I look at my billing statements when I get them and thats how and when I noticed the fraud charges and I contacted Fortiva soon as I noticed. PLEASE NOTE THE FRAUD OCCURED ON MY ACCOUNT ENDING IN XXXX I DO NOT KNOW THE FULL ACCOUNT NUMBER BECAUSE IT WAS LOST IN NEXT SECTION I WILL PROVIDE MY CURREND CARD NUMBER SO FORTIVA CAN PULL MY RECORDS.
Consumer complaint received 2023-10-05
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/2022 XXXX
Consumer complaint received 2023-10-05
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the XXXX XXXX. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX| received a payment through PayPal of XXXX dollars for couches I was selling off of XXXX XXXX. I was charged a " Seller 's Protection '' fee from PayPal for XXXX so only received XXXX of the XXXX payment which I transferred to my bank. 

The transaction went through and everything seemed fine. However, on XX/XX/XXXX I received an email saying the buyer filed a case stating they did not make this purchase. In the same email it stated I was eligible for " Seller 's Protection '' and to provide information in the resolution center. 
I uploaded screenshots, pictures, and video evidence of the customer physically loading the couches into his XXXX and driving away. 

In the full length video, which I was unable to provide in entirety due to an upload limitation you can hear the customer confirming if the PayPal payment went through. I called PayPal to let them know what was going on and that I had additional evidence if there was any question and was just told they would reach out if anything was needed. 

On XX/XX/XXXX| received a case update saying the transaction was not covered because I failed to provide " proof of shipment '' and that I will be charged an additional " dispute fee '' of XXXX dollars. 

I have reached out to PayPal numerous times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX since the beginning of this dispute and have heard multiple reasons as to why they are failing to provided the " sellers protection '' that was purchased. Reasons anywhere from I never had sellers protection to I didn't provide a tracking number, to they are just the middle man and are unable to do anything since it was initiated through the customers bank ( XXXX ). 

I'm overall frustrated that PayPal has not only forced me to give away my reclining sofa set for free but also charged me XXXX in the process. So in reality, l 've paid XXXX for someone to steal my couches, being scammed not only by the customer but PayPal as a company.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (WA)

On XX/XX/2023, I opened a new checking account with XXXX XXXX ( Reference number XXXX ). I was approved and was provided with a confirmation email and a checking account number. A small {$25.00} transaction was debited from another banking institution as an initial deposit. Additionally, I changed my direct deposit paperwork with my employer so that my paycheck would be deposited into the new XXXX XXXX account. A {$3000.00} payroll direct deposit was successfully deposited into the account. Now those funds are missing! Unfortunately, XXXX XXXX can no longer seem to locate my account even though there is > {$3000.00} tied up in the account. I want to be able to access my funds in my account.
Consumer complaint received 2023-10-06
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 2022-12-08
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. (CA)

I have disputed the collections twice with Transunion and both times they have verified the account as accurate. The issue is I was never aware of this debt nor I was contacted via mail or phone with an attempt to collect a debt. Also, this is a pure violation of their law. Please see below On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional XXXX XXXX ( XXXX XXXX XXXX XXXX ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid XXXX XXXX can appear on a consumers report will be increased from 180 days to one year, and paid XXXX XXXX will no longer appear on consumer reports at all. 
https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ I keep disputing it as this is a violation of the law that started on XX/XX/2022.