davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless  I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using XXXX I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to dispute a charge-off entry that appears on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that the item be investigated and, if found to be inaccurate, removed from my credit report. 

The details of the disputed entry are as follows : XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is inaccurate as per the IS USC- 1681eb this has been a cancelled debt. I have reached out capital one multiple times to get form 1099c which I am yet to receive.

Please investigate this matter within the 30-day timeframe as set forth by the FCRA and inform me of your findings. If after your investigation, the charge-off is found to be incorrect, I kindly request that it be removed from my credit report and that I receive an updated copy of my credit report at no cost.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 for erroneous reporting in my file and are listed on my credit report XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (VA)

On XX/XX/22, I sent a Cease and Desist and Debt Validation letter to Credit Acceptance. I will attach to this complaint for reference. I noticed that the contract that I had for a vehicle that was financed by them, were missing some disclosures and I was not made aware of the appropriate information as required by Federal Law. Credit Acceptance sent back a receipt acknowledging that they have received it, but never responded. They are violating my rights as a consumer to validate an alleged debt pursuant to 15 USC 1692g.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently sent in a request for XXXX to investigate why this account is reporting inconsistent information on my credit report to no avail. This company has made it difficult to get an understanding on why this account is reporting the way that it is. I have also tried to dispute this account on all 3 credit bureaus to no avail either. This account is reporting multiple inconsistencies and should be removed from my credit report as I feel that they have not complied with Metro 2 reporting guidelines.
Consumer complaint received 2023-07-12
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. (GA)

Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US BKPT CT  Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX  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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-11
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. (VA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name
Consumer complaint received 2023-03-04
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. (OH)

The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-10
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NC)

Received a phone call from my sister in law that someone called me from XXXX and asked me to contact them on XX/XX/XXXX. I took down the information and gave the company a call. I spoke to a guy who didnt give me a name. He stated that I owe Care Credit {$950.00} and I needed to pay today in order for my file not to go to the court tonight at XXXX. He stated that the company will garnish my wages and put a lien on my property.He also stated that ny husband and I have the capability to pay the debt so I needed to pay it and that even though my husband and I were not married when this so-called debt was done NC is a state that will allow them to go after him as well. I asked for clarification but he was only interested in telling me that I needed to pay now and that if I didnt I would have {$4000.00} in court fees. This debt was supposed to have happened in XXXX and I do not recall having Care Credit.
Consumer complaint received 2023-03-03
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. (VA)

My name is XXXX 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.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

My mom, opened a credit card with discover and maxed the card usage. She also authorized a credit increase by using my cell phone. My mom was able to open the account because we lived together and she knew all of my personal information. The account was opened under her email so she had access to it, I never used the card nor had access to the account online. I was able to find out by checking my credit report. Not only did I never make a purchase, I never made a payment either. My mom made all payments from her bank account. Majority of transactions are taken in XXXX ca which is where she lived starting XX/XX/XXXX, and I lived in XXXX XXXX ca. We did live together before which is when she opened the account. On XX/XX/XXXX, discover called my mom and she admitted to committing credit card fraud and took full responsibility for the debt owed. However, my mother passed on XX/XX/XXXX and a payment plan was never created for my mom with discover. My mom made all transactions, authorized a credit limit increase, made all purchases in a city I did not live at, had access from her own email not mine, made all payments from her bank account, and even admitted and stated she would take full responsibility with discover. However discover is still giving me a hard time on approving this credit forgiveness.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding a concerning incident that not only affected me personally but also raises important issues of discrimination against the XXXX XXXX. 

On XX/XX/2023, my PayPal account was subject to actions that I believe were discriminatory because of my gender identity. Despite being a loyal and responsible PayPal user, I was informed that my account was suspended, and my funds were held for an extended period of XXXX  days under the pretext of " PayPal loss recovery. '' However, what deeply concerns me is the belief that my account was targeted solely due to my XXXX XXXX. This action, based on my gender identity, is a clear violation of my rights and goes against principles of equality and inclusivity. Discrimination against any individual or group based on their gender identity is not only morally wrong but also illegal in many jurisdictions. 

My account had a balance of XXXX XXXX 
Upon checking my account in XXXX I realized my balance on my PayPal account was reset to XXXX XXXX after a group of people made a complaint to Paypal because of my gender. 

As a member of the XXXX XXXX, I am deeply committed to promoting diversity, tolerance, and acceptance. This incident with PayPal has shaken my trust in the company 's commitment to these values and its responsibility to protect its users from discrimination. 

I kindly request a thorough investigation into this matter and a clear explanation of why my account was subjected to such actions. Additionally, I ask that PayPal takes steps to prevent such incidents from happening to other members of the XXXX XXXX  or any other marginalized group. 

I believe that addressing this issue is not only essential for me personally but also for the broader XXXX XXXX  and anyone who has faced or may face similar discrimination. PayPal should stand as an example of a company that upholds the principles of equality, inclusivity, and non-discrimination.

Thank you for your prompt attention to this matter. I look forward to a resolution that not only rectifies the situation but also contributes to a more inclusive and accepting environment for all.
Consumer complaint received 2021-03-12
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. (OH)

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated Experian and XXXX  as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that XXXX be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response
Consumer complaint received 2023-03-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2024-02-27
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)

I am a victim of identity theft i submitted all the necessary documents regarding the account XXXX XXXX on my consumer report. This account was once deleted due to identity theft but now it has reappeared.

15 USC 1681 c-2 Block of Information Resulting from Identity Theft states, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I ask that you govern this issue and demand this company to block and delete this account from my consumer report as the law states.
Consumer complaint received 2023-03-08
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. (SC)

My name is XXXX 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.