davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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. (NV)

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( Experian, XXXX, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Consumer complaint received 2022-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NM)

We financed a XXXX XXXX XXXX in XX/XX/XXXX. The loan was for XXXX. We stopped receiving notifications for payment. When we complained the issue was not resolved. They called and demanded the entire balance of the loan which is XXXX. When we tried to make arrangements to pay late payments we were not given the opportunity to do so. We were told either pay it in full or the vehicle would be repossessed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Prior to the pandemic, I requested my credit reports and only received a short summary which reflected some discrepancies. I then disputed them and I've attempted to request my three credit reports since then for multiple years now. I've also have requested for the incorrect information to be corrected and I have had difficulties getting an updated and corrected report from all three credit bureaus. I am now being told that I have to verify my identity with the information that is being stored on the reporting system which is all false. Thus, making it impossible for me to verify my true identity. I am still unable to access my reports. Please note that I have already sent a copy of my photo ID, birth certificate, and social security card via certified mail. My data has been compromised ; I have been summoned to court for accounts I have never obtained but the credit bureaus would not correct this error. It appears as my accounts have been frozen and I am unable to unfreeze them due to their request of verifying my identity which I have attempted to. I am being denied for services due to the information on my report. I feel as my rights have been violated and I am being abused by the system that should be assisting me on this crucial matter. I feel as though I'm being treated as a criminal for a crime I did not commit. I am even unable to vote due to this discrepancy. My housing, my license, my medical, my school, and even my livelihood is all been affected and are at jeopardy, I need help!!!!
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I got a letter in the mail offering me payment offers from Jefferson Capital, they claim that I owe XXXX XXXX {$1900.00}. I do not have a XXXX Account and have previously addressed this with XXXX XXXX XXXX and XXXX XXXX as they have my address attached to the person who really has the debt. XXXX Police Dept # XXXX was the first report I claimed for Identity Fraud. But, I also called twice to explain that they are sending this claim to the wrong person. The real person lives at : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The last bill arrived on XX/XX/XXXX, previous ones from different companies go way back to XXXX. Please stop sending me her bills!
Consumer complaint received 2022-12-17
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. (LA)

THERE ARE 60 REPORTING VIOLATIONS WITH THIS ONE ACCOUNT WITH TRANSUNION ALONE. XXXX ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, TransUnion ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Store credit 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. (NY)

Purchased a gift card online. When recipient received the gift card, they were not able to access the funds. When they called customer service, they were asked to provide their debit card number and macy 's would add the funds to their debit card ; obviously the recipient did not do this. 

When I received my bill I was charged for the gift card, even though I had previously contacted macy 's and they had indicated that my account was credited.
Consumer complaint received 2019-06-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I entered into a payment arrangement in XX/XX/2018 when my car payment was starting to go delinquent. I contacted capital one prior to a 30 day delinquency and agreed on a payment t plan that I was told, would keep my account from reporting delinquent and get it caught up by XXXX. I was told that as long as I stayed on schedule that I would be in good standing. I made all the agreed upon payments and in early XXXX, was reported late for XXXX and XXXX suddenly. I called them to discuss this and they said I was misinformed. I asked them to remove the 30 day lates that recently appeared in XXXX and they refused. I asked to speak to a supervisor and got into a debate of why a payment arrangement was even implemented to f it was not going to keep me in good standing. Still she refused. I disputed the reporting through XXXX. They did not change the 30 day pages, instead, they reported me 30 days delinquent for XXXX as well. This after I have made 2 payments at 1.5 times greater than my regular payment, as agreed.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602a states : I have the right to privacy.

15 U, S.C 1681section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXXXXXX 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 2020-02-18
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. (FL)

On XX/XX/19, purchased a dining room table in the amount of {$1100.00} from XXXX XXXX ( XXXX, FL location ) using my Citicard. Company delivered furniture on XX/XX/19 in damaged condition. Per company 's policy, I immediately took pictures of damage and filed a claim online ( claim # XXXX ). Over the next two months, the company made 3 separate appointments to repair table ; only to not show up ( or even call to cancel appointment on two occasions ). Simultaneous with complaint, I notified Citicard that the charge of {$1100.00} is being disputed until the table has been repaired. Citicard issued temporary credit. When XXXX XXXX was unable to repair table ( or even show up to do so ), they appeared at my house without notice on XX/XX/19 to pick up the table. I then received a copy of a memo from XXXX XXXX ( ref XXXX ) advising " credit memo to pick table up. '' However, apparently XXXX XXXX never coordinated that credit memo with Citicard. 
Citicard issued a memo on XX/XX/19 advising " regrettably, we are unable to assist you with this dispute. '' I sent a detailed letter to Citicard at their XXXX XXXX, SD address ( only address supplied by them ) detailing the nature of my complaint and again requesting their assistance since they reversed the credit to my account. Never received a response to this memo or my other written communications to them. Citicard is now showing me in arrears for the {$1100.00} charge plus accumulated interest. Note that I always pay my credit card balances in full each month and have an excellent XXXX credit score. 
I subsequently cancelled my long-held Citicard ; yet, they still are showing me with an outstanding balance. Sincethe table was picked up by the vendor, a credit memo issued but not acted upon, why are they not crediting my account in full? It is impossible to receive an answer from Citicard other than " you have to deal with the vendor directly. '' Needless to say, the vendor -- XXXX XXXX -- does not respond either. 
If you want copies of the multiple letters and memos, I can furnish them.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc. (CA)

I XXXX issues with us dept of education I filed bankruptcy in XXXX to only XXXX bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX 's they then change their name to XXXX XXXX I never went to the school because I found out I was pregnant and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Consumer complaint received 2022-04-15
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. (MD)

My name is XXXX XXXX XXXX XXXX. Was also XXXX XXXX, never has been XXXX or XXXX XXXX, I have never lived in XXXX XXXX XXXX XXXX XXXX MD XXXX i already report this many times, not sure what else it is under this persons name in my credit and no Idea Why it is in my credit, does she has my social? I beed this out of my credit report, this is like my 5th email and also sent two letters to remove that persons name out of my credit! 
And also XXXX is not my employer, it is XXXX XXXX for the last almost XXXX years
Consumer complaint received 2022-06-04
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. (FL)

In accordance with the fair credit reporting act .The list of accounts Below has violated my federally protected Consumer rights to Privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX  Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C 1681 section 602 A. States I have the Rights to privacy.

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any 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. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

All of which has been Violated
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX 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.

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 2023-06-26
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)

I am a natural person, I am a living human being, I have the right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. PORTFOLIO ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-04
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY TRANSUNION CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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.