davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Ihave acharge off account on my credit report negative which is effecting my score ihave disuse whithe 3 agency XXXX removit but experian and XXXX  they didnt remove it I send them both a letter to send information how did vareviy the disput how they talk to and to send me a copy of investigations a copy of my original contract from the creditor or any agreement if not I want them to remove it or delete it thank you
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-10-20
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. (MD)

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 XXXX XXXXXXXX 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 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im filing this report against both XXXX and TransUnion for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below
Consumer complaint received 2024-10-09
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX XXXX XXXX XXXX for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have filed with the Federal trade commission about this issues the case number is FTC XXXX. I keep explaining over and over this account was opened with identity theft and they failed to investigate the issues the police report number GO # XXXX XXXX was filed in the XXXX XXXX XXXX XXXX. I have given this company copies after copies and they failed to remove this off my report. I have even reached out to them personally and they still fail to acknowledge this is not mines but insists that my address is on the documents they have and my signature. But have failed to provide me with this information and have yet to see that the address they have is not the address on this so called contract. Therefore this is not even legal according to FCRA regulations.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had updated my home address to the bank Wells Fargo and they froze my checking and saving accounts.my direct deposits are not recieved.all my bills are going unpaid.I found out on XXXX that my accounts were frozen.I visited the bank twice to correct the issue with no resolve. I had done all that they requested.Even the bank manager complained about the situation. She admits that there was no issue that was my fault.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (CA)

I had a long standing account in good standing with BBVA bank. BBVA was purchased by PNC bank. I never even heard of PNC prior to this transfer. As soon as my account was moved to PNC, this new bank took it upon themselves to close my longstanding account giving me no reason as to why the account was closed. I'm a senior citizen of XXXX XXXX descent and I can't think of any reason my account was closed other than whoever was handling the transfer of my account, did not like my XXXXXXXX XXXX. I demand that my account be reinstated with no negative consequences!
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NY)

I gave Sunrise Credit Collections XXXX Hour Notice to Cure for violations of Consumer Protection Laws as well as the Constitution for the United States ( pursuant to Article 3 Section 2 ; Article 4 Sections 1 & 4 ; and Article 6 ) and Treaties. The company has ignored the notice to cure and are using false and misleading representation and deceptive business practices during daily operations.
Consumer complaint received 2023-02-21
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)

I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my medical education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (VA)

I am disputing the following Unauthorized tracacitions : PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$110.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted I did not puracase anything from from PAYPAY XXXX nor have I recieved anything form PAYPAL XXXX, I contacted PAYPAL they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I checked my consumer report and noticed items to be inaccurate on my report. 
15 U.S. Code 1681e - Compliance procedure ( 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Taken directly from out of the IRS 2021 publication.

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate.

Which in fact your reporting of this account inaccurate!

The IRS clearly says a cancelled debt or charge off is income.

The reporting of this account as a debt is inaccurate.

The above paragraph was taken directly from out of the IRS 2021 publication.

Delete this inaccuracy from my consumer report immediately.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (WI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-07-29
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. (GA)

On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX   due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX XXXX  to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/XXXX.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX & to XXXX and see and read for yourself what is going on with this company.My account has had zero credit card chargebacks at any time and I have zero open disputes and claims. There is no justification for holding my money. 
there are NONE complaint, zero, and NO charge back, and I never had one not even  with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money. 
This needs to stop.
Consumer complaint received 2023-10-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-12-10
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. (NY)

On XX/XX/XXXX, I needed roadside automotive assistance. The company that was dispatched to assist me, " XXXX, '' informed me that I needed a new car battery, which they provided at a charge of {$220.00}, which I placed on my Citibank Mastercard. XXXX  verbally promised that documentation ( proof-of-purchase and warranty ) would follow. These were never received despite two voice messages left with XXXX in XXXX, as well as text messages left with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Meanwhile, I began to have problems with the new battery, and being unable to reach XXXX, I called the battery manufacturer, who informed me that, based on the serial number provided, the battery was likely not new but rather a " salvage, '' taken from a junked  car and cleaned up to look new.. 

XXXX has no physical presence ( no store, no office ) so I can not return the battery to request a refund and, as noted above, they have not responded to my texts or voice messages. 

I therefore contacted Citibank Mastercard on XX/XX/XXXX to request to dispute the charge. I spoke first with a representative, " XXXX, '' and then with a supervisor, " XXXX. '' Both refused to accept my dispute on the grounds that I still have the battery; according to them, I would have to return the battery in order to dispute the charge. I pointed out that XXXX has no physical location and has not responded to my texts or voice messages and asked how, in the circumstances, I could possibly return the battery. They had no answer, but told me that this was " Mastercard rules ; '' when I asked what more I could do, or they could do for me, XXXX replied " nothing. ''
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WESTERN UNION COMPANY, THE (WV)

I got an email a few months ago from the risk collections department of Western Union that somehow I had got a money refund twice from a lost money order. Its been a good year or over but I have been getting emails I could almost call threatening from the getgo from them. I was unable to use their system from credit or debit cards so I sent 2 checks from 2 instituions as I was not in a great spot financially at the time. One from my XXXX XXXX. One through XXXX as to use a credit card for a fee as I was financially strapped. I believe one went to the address for the risk collections department, And the other to Western Union Corporate headquarters. after a few more emails and a phone call i was assured both checks would be cashed and debt settled. a few months later I got an email saying I owed the amount again. The full amount. I asked why and were my checks sent not deposited. They said both were returned. I never got any email or call or info from my credit union or plastiq or charged a fee for returned checks. I believe either the risk collections departments employees are either to incompetent or inconvenienced to deal with depositing checks and or kept the checks hoping I'd pay this debt again and then deposit those checks in a fraudulent manner.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (LA)

On XX/XX/XXXX, I accidentally ordered a {$200.00} purchase from the vendor XXXX. I immediately canceled, requested a refund and received a confirmation email within roughly an hour that the refund would be processed. After several phone calls spanning XXXX weeks ; I was transferred and hung up on consistently when I asked when the refund would be processed/when I was to be expecting the money back. I was told that it would process on XX/XX/XXXX but " wouldn't show up on my account until the XXXX. '' It's now XX/XX/XXXX and I am certain that I won't be getting it back unless I reach out to some an authority/government agency because this is far longer than the 10 days to settle/resolve a dispute. This has been a nightmare for me as I'm now late on my light bill and rent.