davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (NC)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Date opened XXXX XXXX, 2017 Balance {$9400.00}
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. State 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 2023-08-14
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IL)

being a loyal customer of mr cooper i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as nationstar and not mr cooper as it should be also has incorrect amount owed by me wrong 2 mistakes
Consumer complaint received 2023-05-31
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: EQUIFAX, 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number XXXX etc. has violated my rights. 
Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

Account name : XXXX FUNDING Account number 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 written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I pulled my credit report and still noticed that there are items that are not right. I saw this account on my credit report and it needs to be removed because it is inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to complete and accurate credit history ; this is unverifiable account information and it needs to be removed. 

I want my credit report to be accurate and by law accounts that are inaccurate, incomplete, or unverifiable must be removed. If this information can be verified, please have these companies respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE thats on file for the account above. Unverifiable accounts must be removed. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to TRANSACTIONS AND EXPERIENCES between the consumer and the person making the report. The accounts that have late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX  with late payments reported on XXXX XXXX XXXX XXXX XXXX 

XXXX  with late payment last reported on XX/XX/XXXX. 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ).
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did not make XXXX charges and Capital one has ignored my requests to provide to me IN WRITING the ability to dispute the charges. I've demanded that these be removed from my credit report as I did NOT make these charges. I demand to see IN WRITING the proof that I, XXXX XXXX, made those charges to XXXX from an account in MY NAME. I demand this in writing as is my right under Federal Law. No phone calls or email, but a good old fashioned letter proving the above to me and allowing me my right to dispute the charges.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

This complaint is regarding a link to Paypal 's transaction processing services that appears on a business that is apparently defunct. On XX/XX/21, I notified PayPal of the fraudulent website through which it is processing transactions. While I eventually received a refund from PayPal, as of XX/XX/21, the link to PayPal 's payment processing service on the fraudulent website is still active. At this time, I am not requesting personal resolution. However, PayPal should be required to de-activate its transaction services that it provides to this merchant. Consumers should be warned that PayPal is processing transactions for a defunct business. 

On XX/XX/21 I ordered flowers through the website of LA XXXX XXXX ( http : XXXX ). The merchant 's website includes a PayPal link to process the payment. The amount of the payment I made through PayPal was {$86.00}. When the flowers I ordered and paid for were not delivered, I discovered that while the website for this florist appears to be operational ( i.e. you can place your order and submit payment via PayPal ), the " contact us '' feature on the florist 's website does not work, one phone number is out of service, and the ( XXXX ) number is some sort of automated number unrelated to the florist. This florist is apparently out of business, although the website that bears its name continues to actively solicit and process transactions through PayPal. In addition, although I submitted a request for refund to PayPal on XX/XX/21 and notified PayPal that the merchant 's website is apparently fraudulent, as of XX/XX/21, this merchant 's website and link to PayPal 's transaction services is still active.
Consumer complaint received 2022-11-03
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. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX and XXXX has stated they received bankruptcy information from the creditor which is United States Bankruptcy Court, Northern District of Illinois. But I received a letter from them ( United States Bankruptcy Court, Northern District of Illinois ) stating they never gave them this information. I believe this is wrong and unlawful. If they receiving information from third and fourth parties how can I believe the information is true. I asked them to correct it around XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. 

Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX  Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX  Account number 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 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANCO POPULAR DE PUERTO RICO (PR)

My account with Banco Popular en Puerto Rico was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from XXXX XXXX not authorized by me, even if it is directly through the bank or any of the XXXX XXXX or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NY)

I closed my account with XXXX XXXX in XX/XX/XXXX. Everything was transferred and paid. No balance.. 
XXXX even sent me the letter stating that the account have been closed and transferred. 
I received that letter on XXXX XXXX I have the Letter as proof. 
And XXXX continues the Harrasment against me. I sent all info. To XXXX and the complaint dispute was granted in the favor in XX/XX/XXXX. 
XXXX continues the Harrasment against me. 
This need to stop I have the Letter proof of account being closed.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

" I deposited a check on XX/XX/XXXX. They held the check until XX/XX/XXXX. During that time, they made me verify myself thoroughly twice. The account was unlocked and fine until my check cleared, but now they've locked the account again. I physically can't go in because I just had a XXXX  and when you call the system, they ask to upload ID, which is faulty. Previously, I could verify with an automated call by confirming my PIN. I told them I needed the funds because I was XXXX, but now they're making me come in, knowing I can't. This has caused a great XXXX XXXX. I can't pay my phone bill or make other purchases XXXX XXXX XXXX  I had to leave the hospital with a XXXX XXXX XXXX  because Capital One is now requiring me to come into the bank for verification, even though they approved me for a credit card the first time I verified myself and i was using the card fine now payment is do and they forcing it to be late destroying my credit because they randomly lock my account again. Nothing happened that warranted locking my account. ''
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc. (NC)

After finding out why my account was in suspicion and discovering that a dispute that was not supposed to have been filed was filed given that while was filing that dispute I had said never mind do not file as I already got the companies mixed up, and I couldn't find the email I needed. 

XXXX XXXX XXXXXXXX fraud department said OK was not going to finish then zip I find out that the XXXX XXXX XXXXXXXX fraud department had filed anyways. 

I return to XXXX XXXX XXXXXXXX. Said closed, did not receive any funds from zip. Was told they were sending the email to zip. 

But my account remained suspended. Zip staff REFUSED TO SPEAK WITH ME Call center? I repeatedly received a recording of a XXXX XXXX stating they closed their call centers. 

Informed them I would send payments by mail and requested their address. 

Zip refused. 

A month informing XXXX XXXX XXXXXXXX to block access. 

XX/XX/2XXXX XXXX XXXX XXXXXXXX chose to side with zip Did not block company Zip took money out XXXX XXXX XXXX fraud department refused assistance The third time XXXX XXXX XXXXXXXX XXXX fraud department had given me false information and testimony surrounding my checking account
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (FL)

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 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 2023-11-11
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. (CA)

I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being ignored!