davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings (HI)

In the first half of XXXX, I tried to cancel my monthly subscription service with the security monitoring company XXXX. They made it very difficult. They said I have to submit the request in writing. I did that, nothing happened. I got no response. I called them again and they said I have to include a bunch of difficult to find information such as my login, password, account number, etc. I did that. I continued to get billed. I sent them a final notice and notified them that I will be cancelling my credit card they had on file. As I furnished them with all their requests in order to cancel my service. 

Sometime a couple years later, I was contacted by a collection agency. I informed them about the status of my account with XXXX. I provided them with a copy of the letter I sent to XXXX. 

Then in XXXX, I saw recurrent overdue information on my credit report when applying for a loan. The overdue information was being input on my report every month for almost a year. I initiated a dispute with XXXX. They deleted the entries. 

Then I recently noticed the overdue notices appearing again on my credit report. I disputed the overdue record again. I also informed XXXX  that they had already removed this information back in XXXX. This time however, they sent me their dispute results and only have the entry modified. XXXX should stop the collection agency from continuing to input the same disputed and deleted information from my credit report.
Consumer complaint received 2021-04-20
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: Sequium Asset Solutions, LLC (CA)

1. XXXX claims to have taken off all of the outdated addresses I requested. The following remains on my report after repeated requests and their repeated claims to have removed it : XXXX XXXX XXXX XXXX, XXXX XXXX, CA. See attached page from my actual credit report ran XX/XX/21. 

2. Sequium and XXXX have both failed to resolve the issues with accurately reporting this item on my report. Therefore I am requesting it be removed permanently from my report per the FCRA law concerning inaccurate items that fail to be corrected. See attached page from my actual credit report ran XX/XX/21. 

It is my legal right to request this item be removed from my credit report since neither company has the ability to read and compare basic information provided to them.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-05-30
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX, Equifax and XXXX with respect to XXXX  Acct # XXXX has violated my rights! All three bureaus have completed reinvestigations upon my request : XXXX XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Equifax XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Experian XX/XX/XXXX ( pg XXXX of attached document ) and stated that the XXXX Account is being reported as accurate. 

How is that possible when ALL of the following items are STILL NOT 100 % accurate : Account numbers, Account Status, Date Opened, No. of Months, Last Reported, Date last Active, Date of Last payment and 24 months of payment history ( pg XXXX of attached document )! Equifax is marking the account payment history as OK for the last two years when the account was closed in XXXX! XXXX inaccuracies total! All of the above is grounds for removal! 

15 U.S.C. 1679c : states Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : states 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 promptly delete that item of information from the file of the consumer.

They also violated my rights under : 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I have done my best to look responsible to all my lenders. However, this situation has significantly lowered my credit scores to Fair levels, placed me in a position to be charged extremely high interest rates and jeopardized my families ability to acquire a mortgage. A Fair credit score resulted in my family paying {$12000.00} ( 17.5 % interest rate ) dollars in interest on a five year personal loan and over {$6500.00} ( 16.5 % interest rate ) on a 5 year auto loan. If the credit bureaus abided by the law and removed the account, my interest rates would reduce to 5.99 % on personal loan and 6.65 % on the auto loan saving my family {$10000.00} on just those purchases alone! 

The Credit Bureaus and XXXX have NOT worked together properly and in accordance with the law to help me. I thought being a XXXX service member overseas ( pg XXXX - XXXX of attached document ) meant something to these companies! I was hoping that they would be understanding and take care of us. However, all I see is when service members are out protecting XXXX 's XXXX  XXXX, Equifax, XXXX and XXXX are NOT looking to uphold our freedoms!
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$89.00}
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (VA)

I purchased a Netspend Debit card from the XXXX XXXX store in XXXX, VA. I loaded {$250.00} dollars on my card at the time I purchased the card to be able to pay my car payment. After purchasing and loading the card, I was notified by Netspend they will not activate the card due to risk reasons. I was also told i would receive a refund check in 15 days on XX/XX/2022. It is now XX/XX/2022 and I still have not received my refund check. I live on a limited income it is very hard to catch up with Rent and Car Payments when I fall behind. I contacted Netspend 4 times and I still have not received the check.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My complaint is against EQUIFAX. For over a year or more I have been attempting ti have EQUIFAX remove an incorrect former address from my credit report that is completely strange to me. I never lived there and it is not familiar to me. 

I have repeatedly contacted them. The tell me that is corrected but it keeps reappearing. 

I can no longer get any new reports to check it without being charged for them. 
This is not fair. It is not my error!
Consumer complaint received 2023-04-19
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. (TX)

On XX/XX/2023, I sent a dispute to Transunion stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/2023 I followed up with a dispute stating : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Dispute resolved ; reported by grantor. XXXX deleted from my report on my dispute completed XX/XX/2023 but Transunion failed to perform an investigation and delete the disputed inaccurate information. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states : I have a 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 with out my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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 2024-03-13
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. (OH)

Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA CORPORATION . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by BANK OF AMERICA XXXXORPORATION on XX/XX/2021 via XXXX mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA CORPORATION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ), BANK OF AMERICA CORPORATION is now civilly liable to pay me for the damages.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I shopped with Afterpay ( pay in 4, no interest ), for quite a few orders, mostly in XXXX and XXXX this year. They pay the full order total to the merchant, XXXX, for example, and I pay Afterpay 1/4 every 2 weeks. I used the service many times, and almost always paid afterpay the whole balance way before it was due. So, I returned quite a few items to the merchants directly, packaged, took to XXXX to mail, etc. When the merchants refund the money, it goes to afterpay, who has an incredibly confusing way of refunding, if you haven't paid it all yet, then afterpay is supposed to deposit into my cash app. Since my orders were paid in full, it should've been the whole refund amounts, no formula needed. I recently realized, they are not actually putting money in my account, just pretending to. ( I'll include lots of proof ). I even kept a XXXX balance on Cash app, just to be certain, and sure enough, 2 different " refunds '' were put in my cash app, and my balance was still XXXX. I even have emails from afterpay, saying the refund process is failing, and they want all my banking information to try again. Only after weeks of CASHAPP and afterpay " support '', me proving at least a dozen times what was happening, did I finally receive the two smallest refunds. I am starting to think cashapp and afterpay are perhaps in on it together, because it's pretty obvious the refunds are bogus, and cashapp support constantly responds with some random answer that literally has nothing to do with my issues. I'll send screenshots, but even the afterpay " refunds '' don't look like refunds. Any refund I've gotten when I didn't use afterpay, has a +in front of refund, but afterpay either crosses out the amount, or just puts the word " refund '' but does not add money. I'll attach lots of proof.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX Company- XXXX Account number- XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-13
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. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-13
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. (NJ)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

Below I have listed the fraudulent accounts I want deleted from my credit report : US DEPT OF EDUCATION XX/XX/XXXX was in bankruptcy XXXX XXXX. The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

DEPARTMENT OF EDXXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report seven times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a XXXX account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.