davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (NY)

The accounts listed below are still showing on my report, you have failed to removed and delete the items that I have disputed. I am a victim of Identity theft since these accounts is not attached to my Home address.
Consumer complaint received 2022-06-02
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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-06-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ACCOUNT NUMBER : XX/XX/XXXXACCOUNT NAME : XXXX ACCOUNT NUMBER : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX
Consumer complaint received 2022-06-02
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. (GA)

I filed a dispute with XXXX, XXXX and Experian and the other two credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. Thisis a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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. (OH)

I have no knowledge of this suspicious activity on my credit report which includes negative items & personal information Credit Companies, Addresses & Names of other people. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. 

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 2022-06-02
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-02
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. ()

XXXX XXXX and XXXX XXXX account on my name is still not removed or not marked a fraudulent on my XXXX report, I have documentation that can be attached as proof. I have never missed a payment with any of my own account however my credit report is showing as it horrible this will need to be rectified and resolved.
Consumer complaint received 2022-06-02
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: Mortgage Research Center, LLC (NC)

Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.
Consumer complaint received 2022-06-02
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: Bread Financial Holdings, Inc. (NC)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.
Consumer complaint received 2022-06-02
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (PA)

This company will not allow me access to my funds, I have verified my identity a few times but they are still insisting that my account is now closed, I have not been able to access any of my money and have been waiting for months
Consumer complaint received 2021-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is the 3rd time someone has used my card with Capital One Bank. With the first experience everything went smoothly but the second, they have refused to help all I receive was a letter stating your claim has been denied. I said this is ridiculous but I dont have the money to hire an attorney so I said let me call them again. They then said they dont find any error and I should contact the merchant. I refuse to because I know when I used my card and every transaction I do I can account for ( that was in XX/XX/2021 ). Yesterday, Im home, I know I had to move most of my money out because of fear that itll happen again and my bank will refuse to give me my money back. I have an upcoming storage payment where I previously transferred some money and left {$110.00} in the account and {$200.00} in savings only to see that someone has gotten a hold of my card again and this time there are 3 charges of {$30.00}, contacted my bank and agin the excuses started to pour in. This is unacceptable and I was told that theyre not going to pay my storage charge of {$110.00} when it comes in for processing. This is unacceptable and again I was told to contact the merchant and I attempted to but the number provided does not accept incoming calls. Now what?? Im out of $ XXXX.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (FL)

XXXX XXXX XXXX has reported on my credit report that I owe XXXX to Why not Lease it. 

I have disputed the charges twice with XXXX, however XXXX   states they have certified the information to be correct. I provided XXXX with the documents that XXXX XXXX XXXX provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with Why not Lease it, years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges? 

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
Consumer complaint received 2022-06-02
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. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD XXXX
Consumer complaint received 2022-06-02
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)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD XXXX
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. (TN)

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. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 

Transunion 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 2022-06-02
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. (PA)

Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (IL)

The credit reporting agencies are continually reinserting the following unknown collection for {$470.00} on my credit file. It keeps popping up on my report for the same amount but under different companies since XXXX with XXXX XXXX XXXX being the most recent : XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX - XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX, have 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 count without my written instructions.
Consumer complaint received 2022-06-02
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. (PA)

Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.
Consumer complaint received 2022-06-02
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. (PA)

Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.