davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I applied for a credit card from XXXX XXXX  
Once I had access to XXXX XXXX on line ( your XXXX from TransUnion ), I saw that Trans Union reported that I filed a XXXX on XX/XX/XXXX. That is not correct. 
I just checked ; it still shows that. 

I did file one in XX/XX/XXXX, which shows correctly on my Trans Union credit profile. 
But date provided to XXXX XXXX is wrong. 

I contacted Trans Union twice, language barrier was tremendous. How am I supposed to discuss matters as serious as credit report with someone who has no idea what I'm talking about!! How are these companies allowed to do that? Trans Union did nothing to help me. 

Trans Union reference number provided by XXXX XXXX is : XXXX.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/21 I filed a complaint to Experian because there was inaccurate personal information on my credit report. 

XX/XX/21 Experian said they needed my authorization because of a third party? but I am the one who sent the complaint XXXX I got it because I sent a letter on XX/XX/21 about the inaccurate personal information to be remove.
Consumer complaint received 2023-04-05
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 : XX/XX/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  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 2024-02-15
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 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 2024-02-15
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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - 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 and XXXX XXXX  XXXX XXXX - XXXX.However , they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-08-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over 5 years ago, I enrolled in a debt consolidation program with XXXX XXXX XXXX, a company you are currently suing. I finished my program, in which XXXX. sent me multiple confirmations that all of my debt had been resolved and/or settled. I currently found out through a credit check for an apartment application that one of my debts, Bank of America, was not fully resolved and has been collecting interest, as well as damaging my credit for the past 4 years. I have not received any notification from XXXX. or B.O.A. that I still owed anything in an effort to collect or settle this debt that XXXX. confirmed that they did. Attempts to reach out to XXXX. to fix this issue have failed, as they are now stating that they did not resolve the debt, and will not take responsibility for their failure to settle. On top of that, I had to pay taxes from a XXXX that has " debt cancellation '' printed on it for the amount that XXXX  confirmed they settled for. If I owed them, instead of them issuing a debt forgiveness, how is it that I have to pay taxes on it as if it were income? XXXX  from B.O.A. and XXXX. could not provide any answer to that. 

Moreover, they failed to satisfy yet another account during my program, as XXXX XXXX XXXX XXXX served me a wage garnishment order, in which my debt with them was resolved. XXXX   again, did not fulfill their agreement to me or my program for debt consolidation and resolution. I am now stuck with past due account of approximately {$5000.00}, in which XXXX. nor B.O.A. has notified me of in the past 4 years. XXXX XXXX XXXX did not fulfill their obligation me as a client and has left me in a worse financial situation from when I started.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

As of XX/XX/22, JPMCB is reporting 30 days past due. In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b 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 2022-11-17
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: LEXISNEXIS (GA)

I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. XXXX agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX XXXX violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.
Consumer complaint received 2024-02-15
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00}.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I received an alert that a 3rd party agency reported a balance to my report on XX/XX/2024. They stated that it was opened on XX/XX/2024. I have not opened an account with this company.
Consumer complaint received 2022-11-17
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: TD BANK US HOLDING COMPANY (MI)

This TARGET is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
TARGET/TD XXXX XXXX : {$320.00}
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (GA)

Recently, I, XXXX XXXX XXXX, the consumer was denied an extension of credit by TD Auto Finance, a Division of TD Bank , N.a . On XXXX, I applied for sales financing of a motor vehicle from XXXX XXXX. 
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and TD Auto Finance, a Division of TD Bank , N.a . assumes civil liability pursuant XXXX XXXX XXXX XXXX ( K ). TD Bank has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, they are also criminally liable. TD Auto Finance, a Division of TD Bank , N.a . should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
The terms I request are as follows : 1. 7 % APR 2. {$150000.00} loan value 3. 84 months 4. {$0.00} down Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2024-02-15
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also, it is illegal these companies should NOT be furnisher peoples information to XXXX party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Consumer complaint received 2024-02-14
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. (NM)

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 2022-11-17
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. (PA)

I purchased tickets for the XX/XX/2022 show at the XXXXXXXX XXXX XXXX through XXXX on XX/XX/2022. The tickets cost {$330.00} and I put that on my Citibank Mastercard. Within 3 days, due to health problems ( we are XXXX and XXXX  years of age ), we contacted XXXX at XXXX to cancel our purchase. The customer service representative took specific information from me by phone and said she was submitting that to XXXX, who handles the ticketing, for a full refund. In addition, she advised that we would see the refund on our Citibank account in about 2-3 weeks. When 2-3 weeks passed, but we didnt see a refund posted on our Citibank card account XXXX we called both XXXX and XXXX on at least 8 different occasions and repeatedly got the runaround. For example, even though XXXX submitted our request for a refund on approximately XX/XX/2022, XXXX has repeatedly told us that they could not find a record of our purchase in their system. Just today, I called XXXX and was told that they also did not have a record of our purchase or request for a refund. Despite all this time time and both companies telling us that there is no record of our purchase or request for a refund, we have never received the tickets or a confirmation email about our purchase of them. 

When I disputed this transaction with Citibank, they denied it, saying that the merchant provided documentation stating the charge is non-refundable, however, there was no wording whatsoever about refunds being prohibited in the paperwork that we received from the merchant following our purchase. 

Citibank sent me copies of the steps on a companys website ( possibly XXXX ) when someone is purchasing tickets. I believe their decision was based on this information, however, I did not purchase these tickets through the website. I called XXXX and they completed the transaction for me.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (IL)

This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WV)

This company has sent several voicemails, and letters along with emails requesting me to pay this debt that was originally for XXXX. However this debt has already been charged off, I also sent this company a certified letter asking for them to send proof of validation and payment history within 30 days which they have not done thus far. Its been over 30 days.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Allowed a large purchase I did not make and allowed this purchase to go through with out informing me even though my credit limit was only {$9500.00} and will not allow the credits to be issued by XXXX XXXXXXXX to resolve this issue so I can use my credit card. 
Please see Attachment.
Consumer complaint received 2024-02-14
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 2023-04-05
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)

I am making this complaint myself as a human being not a third party please dont close this complaint. The credit reporting agencies failed to do their ob and remove identity theft from my credit report. i sent in an ftc report my id a letter explaining what happened and what to do but they didnt do anything.