davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX I submitted a dispute letter to XXXX stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint
Consumer complaint received 2022-12-23
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law?

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

There charging me late fees always had a 10 day grace period there charging {$9.00} late fees then reverse them now {$120.00} late fees I'm already paying there ridiculous interest rates. There customer service is the worst.
Consumer complaint received 2023-09-03
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. (AR)

15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.
Consumer complaint received 2017-09-20
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: National Consumer Telecom & Utilities Exchange, Inc. (CO)

I received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. 

XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE  dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. 

On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

The basis for my dispute National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX, NATIONAL CREDIT ADJUSTERS, XXXX ..., {$650.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

NATIONAL CREDIT ADJUSTERS, L.L.Cfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, NATIONAL CREDIT ADJUSTERS , L.L.C '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of Texas allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve NATIONAL CREDIT ADJUSTERS, XXXX held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ XXXX XXXX XXXX. )
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (NY)

I applied for a credit card with XXXX XXXX XXXX  through Upgrade , Inc. on XX/XX/2023. I got denied immediately. 

My credit score is XXXX. 

The adverse action letter ( attached ) is nonsensical. It lists 12 different reasons, all related to my credit report, and all of them either self-contradictory or factually incorrect. For instance : - One paragraph says " recent high usage of revolving accounts ''. Another says " Insufficient use of available credit ''. These can not both be true - One paragraph says " Insufficient history with personal finance accounts '' yet I have 7 years of history which is as far back as a credit report will go - One paragraph says " Low level of payments in relation to obligations '' yet I have been paying all loans in full for 7+ years The ECOA entitles us to accurate information on how an adverse underwriting decision was reached to ensure equitable treatment, and not just to a list of random keywords like the one I received.

I contacted Upgrade , Inc. today ( XX/XX/2023 ) by phone and spoke to XXXX. She said that they didn't have a " credit team '', just an algorithm, so were unable to explain what happened. She couldn't give me any internal channels to pursue this. This also seems like a violation of ECOA.
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (FL)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United PanAm Financial Corp. (GA)

Im getting repeated calls from these people Im explaining I dont owe the amount Im being accused of because they had the car repossessed and it was left in a tow yard they never went to get what they towed and the sale of the vehicle wasnt deducted per United States Uniform Commercial Code 9-609 I was told I bit to pay the debt willingly or face charges
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal 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, 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 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 item of information, other than records of conviction 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 a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (IN)

In accordance with the fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section ( 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2023-06-06
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: Affirm Holdings, Inc (MO)

XX/XX/2023 Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the XXXX XXXX XXXX Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXX. Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX XXXX XXXX in examining each disputed item. 

In accordance with the XXXX XXXX guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the XXXX XXXX guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX XXXX XXXX, ensuring fair and accurate credit reporting.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (MD)

I had a credit score of XXXX when I applied for a mortgage with another company earlier this year. My credit score dropped significantly when PNC lowered my credit card limit without informing me. I did not know my credit card limit was lowered thousands of dollars until I tried to make a purchase and got declined. I made a phone call to PNC. The PNC rep advised that my limit was lowered due to a drop in my credit score, although my credit score has fluctuated throughout my time having the credit card with PNC and this has never happened. I told the rep I applied for a mortgage and that my score dropped maybe XXXX XXXX. How convenient that after that phone call, I then get a letter in the mail days after stating the changes to my credit card limit. 

PNC advised that my credit card limit was lowered on XX/XX/2023 which is in the middle of my billing cycle. I made purchases before XX/XX/2023 but when my credit limit was lowered, these purchases made my balance higher than my limit. This then triggered a report to the credit bureaus and my credit score dropped significantly. When I spoke PNC and the rep made it seem like it was my fault for making purchases. I made purchases when my credit limit was higher and the purchases were approved ( possibly pending ) because the credit was there at the time.

Seeing my credit score drop significantly for no reason of my own, has caused significant anxiety, stress and trauma in my life.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
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. (NC)

There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XX/XX/2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My business name is XXXX XXXX XXXX. 
The case number I was given by Capital One Bank about my case is XXXX I opened a business checking account ending XXXX with Capital One Bank in XXXX. I have used this account many times for my business. 
On XX/XX/XXXX, I wired {$100000.00} to another construction company that I do investment with. On Capital One bank online banking I did the wire transfer. After the wire transfer, online banking system showed that my wire transfer was successful. I have a screenshot of the notice. However, on the 2nd day, XX/XX/XXXX, when I logged in to my online banking, the system showed that ALL OF my money is not available, I needed to call XXXX. I started to call this number On XX/XX/XXXX, that day from XXXX XXXX until XXXX XXXX., Capital One Bank transferred me many many times to many different departments back and forth, but nobody could explain to me why my money was not available to withdraw. I stayed with them on the phone for 6 hours on that day. 
On the second day XX/XX/XXXX, my checking account was not available. I called the same number again. I was TRANSFERRED by them many times to different departments back and forth again!! Many times I was transferred to the wrong department and the wait was a very long time. I answered all the questions they asked and did whatever they asked me to do, but the result was the same, my money still showed as NOT AVAILABLE FOR ME TO WITHDRAW. I am doing business with my money I am losing money each day because they are holding my money. 
I did not call them on Monday XX/XX/XXXXXXXX  because I thought they might work on my case. But the answer is NO, the restriction is still on my account. 
Today XX/XX/XXXX, Tuesday, I called the same number shown on my online banking from Capitalone Bank Again. I have been transferred 3 times. The last manager I spoke with was from their business account customer service department, he told me that theres NO restriction showing on my account, but a specific agent from the Fraud department also called the customer protection department which I or they are not able to call, that agent put the restriction on my account and it has to be that agent to take off the restriction from my account. Also, they have emailed that agent about my case many times since XX/XX/XXXX, but no one knows why theres still a restriction on my account. Sounded like The only thing they could do was just wait and hope that agent checks the email. But if that agent does not check email, my money will be held by them forever!! 
I am losing money because Capital One is holding my money and also wasting time. I need help to get my own money out of Capital One Bank!!! 
I have saved many managers ' names and ID I spoke on the phone I am happy to provide the information.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.