davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

About four years ago, while I was in college in XX/XX/2019 I opened a credit card with XXXX XXXX to purchase some clothes. At the time I had little if any working knowledge of how credit cards and payments worked, and ultimately forgot to pay off the clothes in appropriate time. 

A few months down the road in XXXX of that year I picked up a call from a representative at XXXX XXXX who explained the situation, and with the representative on the phone I paid off the amount owed, totaling XXXX USD. I walked through the amount and the process with this representative on the phone to ensure that I was doing everything right and paying the correct amount. 

For the past three years since paying it off, I've been relentlessly contacted by a debt collecting agency called Portfolio Recovery Associates about this money that was owed and paid to the original creditor, XXXX XXXX. I've repeatedly disputed the debt and provided proof, as well as sent emails showing that I paid the original creditor to no avail and have not received a response to my disputes of the debt. After almost XXXX years of harassment and a delinquent note on my credit score that is affecting my career and personal goals, I'm hoping to find a solution so I can get this delinquency and debt that I don't owe removed from my credit report for good and to stop receiving calls from Portfolio Recovery Associates on an almost daily basis. 

I'm interpreting this situation to have been a miscommunication between XXXX XXXX and XXXX, I believe that they sold this " debt '' to the agency mistakenly when I had in fact paid off the amount owed. I'm tired of dealing with this and am growing concerned about the financial and credit report long-term repercussions of this derogatory remark which is potentially affecting my ability to get jobs, have credit cards, etc. I also don't believe I received communication before the debt was sold to XXXX as required by law, which would make sense given that if I had I would have reached out to let XXXX XXXX know that the payment was made and would have sorted this entire ordeal then. 

I have taken numerous actions via phone call and email to dispute the debt and have not received any replies to my dispute, instead repeated attempts to continue collecting this debt that I don't owe. I'm now at the point of considering legal action if XXXX XXXX and/or Portfolio Recovery Associates do not correct this issue as soon as possible.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MA)

I did not authorize or have any knowledge of such inquiries. 

XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards  XX/XX/XXXX XXXX   CITI CARDS CBNA Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/XXXX XXXX
Consumer complaint received 2022-12-24
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. (NC)

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] 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 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata
Consumer complaint received 2023-01-05
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. (NY)

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For Transunion I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute I disputed the 11 XXXX  accounts in question. From those accounts on Transunion, their was no verifiable documentation given to me as the results were concluded. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

I went to the dealership and spoke with XXXX  in XXXX about incorrect status that's on my credit repot that says charge off /closed she advised me to send a letter in to have the correction made to PAID because the car is paid off I sent a letter in XXXX to XXXX no response I sent a second letter XX/XX/XXXX to start auto directly which they received it on XX/XX/XXXX its now XXXX the correction has not been made and I been calling XXXX to fix this correction and now I can't get in contact with her and I never received nothing in the mail indicating that its getting worked on or nothing
Consumer complaint received 2020-03-03
Product: Credit card or prepaid 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. (DC)

On XX/XX/XXXX I purchased a necklace and a pendant for the total amount of {$1600.00} from online retailer XXXX. Once I received the items, I realized the pendant was too big for the person I was buying it for as a XXXX present and contacted XXXX to return the pendant. After multiple phone calls and emails, XXXX  finally provided me with the return authorization address. 

On XX/XX/XXXX, I sent the pendant back to XXXX unworn and in its original state. According to tracking, it was received on XX/XX/XXXX, well within their 15-day return limit. I was awaiting a credit of {$960.00} for the pendant. 

After several back and forth emails with XXXX regarding the status of my credit, I finally decided to contact Citibank to inform them of the issue. I never received a credit of {$960.00} from XXXX. 

On XX/XX/XXXX, Citibank issued me a credit for {$960.00} for the return of the pendant and indicated they would investigate the matter with XXXX. 

On XX/XX/XXXX, Citibank sent me a letter indicating they were reversing the {$960.00} credit and were closing their investigation. 

I refuse to pay for a pendant that I returned to XXXX.
Consumer complaint received 2024-03-18
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. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which must be rectified without delay. I have been XXXX since XXXX  and only recently returned to the United States, where I discovered these unauthorized entries on my credit report. 

Below are the details of the fraudulent accounts : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX It is evident from my credit history that I have maintained a responsible financial record, with all closed accounts being paid on time and no instances of delinquency or misconduct. Given this context, the presence of these fraudulent accounts is not only unwarranted but also severely damaging to my creditworthiness. 

As per consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy and integrity of the information reported on my credit file. The inclusion of fraudulent accounts violates my rights under this legislation, and I demand their immediate removal. 

I hereby request that you initiate an investigation into these fraudulent accounts and take prompt action to remove them from my credit report within XXXX business days. Failure to comply with this request will leave me with no alternative but to pursue pre-arbitration proceedings. Please be advised that I will seek reimbursement for any expenses incurred as a result of your non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the inaccuracies on my credit report. Should you require any further information or documentation from my end, please do not hesitate to contact me at the earliest convenience. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-24
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. (AL)

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 account # 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 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 2022-12-24
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. (AL)

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  account # 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 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 2017-08-16
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. (IL)

I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX
Consumer complaint received 2022-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: World Omni Financial Corp. (GA)

I traded in my old car and was told I would not have to pay for 45 days. I received a 120 day past due payment for the trade in of the new car once getting the new car. Also I did not get a good deal as I am not able to refinance and my car payments are nearly {$700.00} on a XXXX XXXX. I need the missed payments removed from my credit report. Also, I need to know why I hav a 120 day missed payment when I traded in the old car. This is affecting my credit score and my ability to trade in and get refinancing. I have tried to reach out to the company by phone but the issue was not resolved.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I have an Apple Card & really only ever have XXXX issue with it. Every single month on or about the XXXX I get hit with a charge for {$9.00}. Its for a XXXX XXXX  subscription service that I do not have. Every month I contact Goldman Sachs and every month I have to go through & change my card, XXXX ID, password, etc. it literally takes hours & does nothing. They only block me from using my own account. Thats not a resolution, Ive asked them to block this merchant from charging my account, they wont. So every month for going on XXXX full years now, I have this reoccurring issue. I did not want to complain because I do not have any other issues. I just feel like someone at the top needs to intervene & fix this. All I want is them to block XXXX from charging me or change my card numbers so they cant charge me. Thats the only issue but I should not have to go through hours of changing everything on my account, every single month for 2 years! Why cant they fix this? They tell me they have reversed every XXXX charge on my account but, I still see some I have never given them my card number. It is fraud. Please reverse all XXXX charges & either change my account info or block them from using my account. Thank you.
Consumer complaint received 2022-12-24
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. (GA)

I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!
Consumer complaint received 2022-12-24
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. (MI)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I instructed the bank to close my Regular Savings Account and to transfer all the funds from Regular Savings to my Checking Adv Plus account. 
Unfortunately they made a mistake, they transferred funds as instructed, but they closed the wrong account ( Checking XXXX XXXX account ), they closed the account that had all my funds and I was left with no access to my money and no one knows where the money was transferred to. 
I have XXXX Balance in both accounts. 
I was on call with XXXX agencies XXXX after the other for almost XXXX hours and they could not resolve the issue.
Consumer complaint received 2024-03-18
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
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 XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission