davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Ok so this is very recent. It was on the XXXX of XX/XX/ 2019, I accidentally put down the wrong dispute case option with my PayPal and that blocked the case and I got scammed XXXX XXXX They wont reopen it because I selected unauthorized instead of fraud and now they think Im lying. But I paid for a XXXX subscription and never got it. And the person i sent money to has never responded so Im stuck..
Consumer complaint received 2021-03-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TX)

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

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

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} account number XXXX XXXX XXXXXXXX XXXX XXXX  {$870.00} account number XXXX XXXX. XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXX XXXX BANK {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX. XXXX XXXX XXXX  {$910.00} account number XXXX XXXX. XXXX XXXX XXXX {$990.00} account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX {$9300.00} account number XXXX XXXX. XXXX XXXX {$470.00} account number XXXX XXXX. XXXX XXXX XXXX  {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

The accounts list in the above paragraph 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 2022-07-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (VA)

Dealership : BMW of XXXX Date : XX/XX/2022 I went in to trade in my vehicle to purchase a new one. The dealership agreed to pay all remaining payments on my current vehicle and put me on a new one. The dealership paid for most the vehicle expect for a {$470.00} that stayed on my account until this day where I received a collection notice that the balance was never paid. 

Keep in mind that I have been contacting the dealership for XXXX months with to check on the payment of the {$470.00} and every time they would tell me that the payment will take 1-2 week to clear but it never did because the payment was never made. 

I have all the emails and communication with the dealership saved and can provide you in writing their false promises and failure to pay the balance. 

Fast forward when I went to the dealership on XX/XX/2022, the sales manager basically informed me that they aren't willing to pay the balance and there is nothing they can do.
Consumer complaint received 2024-03-06
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. (TX)

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.

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 2019-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

On XXXX XXXX, 2019, a collection account from Allied Business Services has appeared on my XXXX  credit report for {$110.00} I have NO knowledge of this bill or what it is owed for or from when or what services were provided. A certified letter # XXXX XXXX XXXX XXXX XXXX was sent to the above-mentioned business requesting VALIDATION of the account to include the above mention factors and asking the above mention business and another certified letter to XXXX  # XXXX XXXX XXXX XXXX XXXX requesting to remove this item from my credit report.
Consumer complaint received 2019-09-23
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. (UT)

Equifax is still reporting an account that was opened due to fraud. XXXX has received the police report information and you all continue to verify and report and this fraudulent account. Immediate removal of this account off my credit report is needed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX OPERATIONS- Account # : XXXX account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax. 

Equifax stated that the account below is NOT currently reporting on the Equifax credit file, however, Im still seeing that this account is being reported on my Equifax credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to Equifax & XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method.

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal.

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2019-09-23
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. (UT)

Equifax continues to report XXXX XXXX accounts that were closed due to fraud and should have been removed from my credit report. Instead they continue to verify fraudulent balances and accounts that should have been removed as the information is not 100 % complete or accurate.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

i had ordered a vacuum online but didn't receive it, i contacted the merchant multiple times, via email and phone calls, i didn't get a call back or any respond to my emails, finally i got an email for the merchant on XXXX for a tracking number i checked the tracking number and the item said it had been delivered, i didn't receive anything tho, i contacted XXXX and gave them the tracking number, my name, and address. they had said the package isn't in my name nor was it even in my address, so i contacted my bank to dispute the transaction because i haven't received my item, the bank disputed my transaction but now reversed it. went back and took the {$300.00} out of my account they said they had did investigation but i didn't believe it. they wouldn't even look at where the package got delivered to or who's name it is in. i had bought a XXXX vacuum, its 14 pounds and XXXX says the package that got delivered is only 3 pounds how does that make any sense?
Consumer complaint received 2022-06-16
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)

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2023-01-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MA)

American Express Credit card has in throughout the year called multiple family and friends explaining the need to get a hold of me about my debt and asking the person for a number or information on me this is repeatedly at least once a month from the end of XXXX and now increasing from XXXX they call the same family or friends with the same question. The account under my knowledge is being placed or already has with collection agency from my understanding but, the other day I had my mother tell me they called twice America express its embarrassing and harassing. I feel intruded on how did  they get my friends number it's not on anything I have and others as well? Why call to give personal info? And why so many times?
Consumer complaint received 2024-03-06
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. (IL)

Dear XXXX, XXXX AND OR EQUIFAX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX Party Owed : XXXX XXXX XXXX Amount : {$60000.00} Account XXXX XXXXt XXXXXXXX XXXX account XXXX XXXX resurgent receivable {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. FTC XXXX
Consumer complaint received 2023-03-22
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. (MD)

XXXX  XXXX removed the account number ending with XXXX but they have declined my request for compensation when I am entitled to compensation of {$1000.00} per violation and they report this account on all three of the credit bureaus I am entitled to XXXX per account on each credit bureaus.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a Capitol One pre-paid cc that I have had for about a year. I have a security of {$500.00} on the card. I called onXX/XX/2019 to close the card. The rep let me know that within a week I would be sent a check of my credit less the amount of the balance on the card ... which is about XXXX ... 
I waited till the end ofXX/XX/XXXX, called the company and they said they have a " delay in the system '' that I needed to call back in a week to see if the check was sent. I called todayXX/XX/XXXX and was placed on hold, was told I still have a balance of XXXX $ and that they have a " delay in the system ''. Once again was told by the rep XXXX that I should call back on Saturday XX/XX/XXXX to see if the check for my balance was sent. 
I am very upset that this company tells me that my account was closed almost a month ago and they still are holding my money. It sounds like they are having problems with multiple delays and someone should look into this ...
Consumer complaint received 2023-03-21
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. (VA)

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 5 months to no available. I have been disputing 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/2022 2022
Consumer complaint received 2023-03-21
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.
Consumer complaint received 2023-03-20
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)

A notice of default was sent to Equifax by certified mail # XXXX attached with an invoice for their acceptance and agreement by acquiescence and failure to cure the issue within the specified time frame given and by not removing the unauthorized inquires done under identity theft.
Consumer complaint received 2023-01-27
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.