davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements.

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ BENEFICIARY
Consumer complaint received 2024-03-11
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 2022-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (TN)

I used Zelle on my XXXX  bill pay feature to send {$500.00} to my sister on XX/XX/XXXX. She used Zelle on her credit union 's bill pay feature to reimburse me yesterday, XX/XX/XXXX, @ XXXX XXXX. Since then she and I have gone back and forth with our financial institutions to determine why I haven't received the {$500.00}. Her credit union confirmed that the funds were deducted from her account and credited to my account. However, the funds are not there, in my account. Not the financial institutions nor Zelle will take responsibility for this fiasco. They've set up a merry-go-round of excuses as to why your money is lost and gone, tough luck. Zelle is a XXXX party subcontractor with my bank, XXXX XXXX. Many banks offer this so-called " service. '' When you have an issue with this " service, '' the bank blames Zelle, Zelle blames the bank, and they both blame the consumer. I noticed there are XXXX of complaints representing an untold amount of consumers ' hard-earned cash regarding Zelle and banks that misrepresent the ease and reliability of the service. Zelle typically responds that basically the consumer is too stupid to understand how to use the service. The bank must have a list of reasons why it's the customer 's fault that the money seems to now be lost in cyberspace. They include that the customer must've done something wrong or that Zelle has an " instant '' pay option and a " standard '' pay option - NONE of that instant/standard information is prominently displayed by Zelle OR by the banks. This company, Zelle, needs to be investigated by the XXXX, the XXXX, and all State Attorneys General! The Banks should also be investigated in the same way. This is fraud and willful misrepresentation on the public and frankly, we're sick to death of it!
Consumer complaint received 2022-04-21
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

I have never received any letters from the debt collections company, I have only seen it pop up on my credit report. I have called the Paragon from the number listed on XXXX and requested a debt validation on XX/XX/2022 and never received it. I called again today ( XX/XX/2022 ) and while they claim to have sent it XX/XX/2022 I still have not received anything. I called the provider ( XXXX XXXX ) and they confirmed all of my accounts are current with none being in collections. The amount also does not match any of my billed amounts over the past 3 years. This is highly damaging to my credit and reputation as I have taken a hit to my credit of over XXXX points due to this. I have done everything in my power to get this resolved with no help or cooperation from the debt collection company.
Consumer complaint received 2022-09-28
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. (IL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account Resolution Services, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount ofXXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Consumer complaint received 2022-04-21
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. (SC)

In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.
Consumer complaint received 2022-04-21
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (PA)

I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?
Consumer complaint received 2022-04-21
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: Affirm Holdings, Inc (IL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX XXXX  Account # XXXX Account # XXXX Account # 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.

15 U.S.C 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 2024-03-11
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. (MA)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

TRANSUNION : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MA)

as of XXXX XXXX convergent sent me a letter saying I owe XXXX for wireless phone service from XXXX XXXX called XXXX spoke with agent explained I never activated phone I cancelled phone service the next day after original talking with them about getting service.I have phone service with XXXX all along never used XXXX XXXX  XXXX service.XXXX gave debt to convergent for collection I called them explained situation and sent proof of bills from XXXX.They have not resolved this situation.XXXX  has reported this to my credit agencys giving me a bad credit rating reducing my score.I do not owe XXXX XXXX any money for a service that I have never used.
Consumer complaint received 2022-04-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2022 certified letters were sent to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander. The letter sent was requesting proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was sent to me. We further went on to ask them to cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies until they can provide the proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was actually sent to me. Based on the tracking Santander receive the letter XX/XX/XXXX. 

Santander did not reply to my letter, so I was under the impression that Santander deleted the information off my credit report. To my surprise a couple of weeks ago I took a look at my credit report and notice Santander was still reporting incorrect derogatory information about me to the XXXX major credit reporting agencies. I wrote another set of letters to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander on XX/XX/2022 which they received XX/XX/2022 Still no response and the negative account still remains on my credit report. 

I have attached all the letters mailed, along with certified mail receipt and the proof of delivery from the post office.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I believe I do not owe this amount ; I have disputed multiple time to the bureau and the creditor and have not receive any verification of the debt and it's preventing me from getting financed and I want it to be remove immediately.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

When I try to get my free credit report on XXXX XXXX XXXX I have no problem with XXXX  and XXXX, but Experian says there is some error preventing them from letting me see my report. This has happened to me before. It is only Experian that I have this problem with. If it is federal law to provide me with a credit report from that website, then Experian is VIOLATING FEDERAL LAW by giving some random excuse as to why I can not get access to my own information. 

It seems that the company wants people to go directly to their website and sign an agreement to view my credit report that might be shady in nature. Why can't I simply get my own information from the proper channel? Why do they try to get me to use their website and sign an agreement with legal terms that I shouldn't have to even consider, just to see my information? It seems that Experian uses tactics that mimic the frauds that are ruining peoples credit and pushing them to a website to 'give away ' their information.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2022-04-21
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. The account below is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I had a Macy 's ( Citi Bank ) card. A purchase was made in XX/XX/XXXX. I never received an e-mail, call or a statement in the mail until XX/XX/XXXX. They ended up charging {$160.00} in late fee 's. They said they are only allowed to remove XXXX and wouldn't remove all XXXX. I paid the bill in full when i realized that it was not paid. They are still trying to charge me for {$80.00} when I never received anything as a payment due. They should not be allowed to charge late fee 's when they never tried to collect the debt or let me know that a payment is due. I paid the charge and would pay the interest but the fee should be removed.