davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Transunion continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Transunion has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution. 

Tracking XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX Equifax XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Consumer complaint received 2024-03-18
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. (PA)

I am writing you this statement to delete the following information provided on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (IL)

I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/XXXX. On XX/XX/XXXX Navy federal credit union transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. 

I filed a complaint with CFPB on XX/XX/XXXX. Navy Federal Credit Union responded to the complaint by stating that I owe {$13000.00} for a credit card. 
This is false. I do not agree with the amount Navy Federal is attempting to collect. I never received documentation regarding this debt and was never provided with an opportunity to dispute the debt. The only credit card I had with Navy Federal Credit Union was closed and charged off in XXXX of XXXX. I moved to Illinois in XXXX. The statue of limitations to collect a debt in the state of Illinois is 5 years. I Never agreed to make a payment toward this debt. 

Navy federal credit union STOLE my refund money from my savings account and fraudulently applied it to a closed credit card account from XXXX to reset the clock for the statue of limitations. I Never agreed to this and was Never notified. My consumer rights were violated.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I open a card by capital one and a week after got the card they ask for proof of income I send them account statements but they didn't except it so they froze my account after 30 or 40 days they froze the account I called to close it and they didn't wana wave my XXXX fee for yearly even when I couldn't use the card because the froze it
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXXXXXX 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.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (MO)

I have reason to believe that AD ADSTRA RECOVERY SERVICEXXXX is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1600.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of AD ADSTRA RECOVERY SERVICEXXXX or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? 
I believe my consumer rights are under attack.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX 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.
Consumer complaint received 2022-06-03
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I opened my account with Bank Of America credit card XX/XX/XXXX. I have 5 late payments still showing on my credit report and it's hurting my score. The account is paid in full and closed. The dates of late payments showing on my account are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-06-03
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also, there are a few inquires that shouldn't be on my credit report. 

Following, 1. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 2. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 3. XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX  XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX 4. XXXX  XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
Experian XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Consumer complaint received 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX  Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I called TransUnion dispute items on my credit report. They sent me a copy of my credit report and to have items removed, inquiries that I did not make. I had three XXXX  and I'm not really savvy that computer I appreciate your help
Consumer complaint received 2022-06-03
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. (IN)

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (IN)

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. On XX/XX/XXXX, I sent {$5000.00} via a check from JP Morgan Chase to my father 's account in XXXX XXXX XXXX ( see attached document ). On XX/XX/XXXX, my father 's XXXX XXXX XXXX account was closed, and the {$5000.00} was sent back to Chase via a cashier 's check ( see attached document ). Along with the check, XXXX XXXX Bank also included a copy of my original check from Chase to XXXX XXXX XXXX, and a letter to instruct Chase to return the money to the original depositor ( me, XXXX XXXX ). Chase cashed out the cashier 's check in the full amount of {$5000.00} on XX/XX/XXXX ( see the back of the cashier 's check for endorsement from Chase ). However, this {$5000.00} never reached my account. I called Chase, and they refused to acknowledge that the check was received ( which is clearly false ), and advised me to let XXXX XXXX XXXX issue me another check. I then called XXXX XXXX XXXX, and they said that the check had been cashed out, and it was not possible to issue another check. So I called Chase again, telling them the routing and account number, but Chase again refuse to acknowledge this check. I even escalated with Chase and spoke with a supervisor, who refused to acknowledge this check either. I have voice recordings of these conversations and can provide them upon request. I respectfully request JP Morgan Chase to take a look into this issue.
Consumer complaint received 2022-06-03
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)

These companies have improperly add information to my consumer report according to 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-06-03
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. (NY)

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (MS)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached!

BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.