davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On going problem with my debit card being hacked by a man by the name of XXXX XXXX XXXX who is hacking my computer and bank account. I have about 12 debit cards now from BOA that have had to be changed due to him ordering vitamins etc ... From BOA this was reported and reviewed by XXXX XXXX XXXX XXXX XXXX. 

I want all of the fraud reports that I have requested since 2019 till recently starting with the one for {$700.00} dollars I need to take him to court. I have requested this many times and haven't gotten anywhere. BOA needs to be responsive and recognize that this man is equivalent to a XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I AM SO ANGRY WITH THE CAPITAL ONE COMPANY FOR THEIR CUSTOMER SERVICE, AND THE TREATMENT THEY HAVE GIVEN ME AS AN IDENTITY THEFT VICTIM. THEY REFUSE TO ACCEPT MY FTC REPORT AND POLICE REPORT. I HAVE CONTACTED THEM NUMEROUS TIMES, WASTING SO MUCH OF MY WORK TIME, GIVING ME STRESS AND ANXIETY WITH THEIR EMPLOYEES, WHO PROMISE ONE THING AND DO ANOTHER. I HAVE EXPLAINED MANY TIMES, I AM NOT RESPONSIBLE FOR THIS ACCOUNT, THEY HAVE NO VALID EVIDENCE THAT THIS IS MY CREDIT CARD AND I AM THE ONE WHO USED IT. THERE IS ALSO A XXXX CHARGE THAT WAS APPLIED AND I DO NOT HAVE ANY XXXX TO MAKE ANY KIND OF PURCHASE. THEY REFUSE TO REMOVE THIS ACCOUNT FROM COLLECTIONS AND THE LAWYERS OFFICE. THIS IS MY LAST CHANCE IM GIVING TO THEM TO REMOVE THIS ACCOUNT IMMEDIATELY. I AM NOT WAITING ANY LONGER FOR THIS, AND I AM GOING TO FILE A LAWSUIT AGAINST THEM IF THEY DO NOT RESOLVE THIS CASE, FOR GIVING ME SO MUCH STRESS AND ANXIETY OVER THIS. THEY REFUSE TO GIVE ME ANY SUPPORTING EVIDENCE ON WHY THEY ARE MAKING THE CLAIM THAT THIS IS MY ACCOUNT. THIS IS BY FAR THE WORST COMPANY I HAVE EVER SEEN, THE WORST CUSTOMER SERVICE I HAVE EVER HAD EXPERIENCE WITH. I DO NOT DESERVE TO BE TREATED THIS WAY AS A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halstatt Search Partners (OH)

I financed a car through Redrock financial around XXXX or XXXX the car was deemed a total loss and I didn't have full coverage.Fast forward to XXXX and XXXX I have been being garnished almost XXXX a month, I don't feel like they are reporting the balance correctly or that I have been paying the balance down. I am trying to shop for another auto loan and I'm being expected to put large amounts down due to this situation ... .I experienced a total loss in XXXX with another auto loan company but luckily I had full coverage and gap pay.i want this cleared up immediately with the credit bureaus
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation
Consumer complaint received 2024-02-11
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. (FL)

I've previously filed a CFPB complaint against this company, Transunion. The complaint number is XXXX. Transunion has replied to the complaint with a LIE that they have removed the Account in question ( XXXX XXXX XXXX ). The account is still indeed reporting along with the inquiries I also disputed. Included in my disputes with this company, I've provided a police report, FTC report ( s ) and documents that prove that I am who I say I am; All of which shows that I am a victim of identity theft. Per consumer laws, the account in question should be deleted. I have previously filed a lawsuit against this company for the same exact misinformation being reported on my behalf. I am making this formal public complaint before issuing another. The following inquiries are also not authorized by me XXXX XXXX - XX/XX/23XXXX XXXX - XXXXFCRA Section 611 ( a ) ( 5 ) ( A ) : This section requires the reporting agency to follow reasonable procedures to ensure the maximum possible accuracy of the information in the consumer 's credit report.

FCRA Section 611 ( a ) ( 7 ) : This section stipulates that if a consumer disputes the completeness or accuracy of any item of information, and the information is found to be inaccurate or can not be verified, then the reporting agency must promptly delete that item or correct the information.

FCRA Section 623 ( a ) ( 8 ) : This section requires that a reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the information disputed by the consumer.

FCRA Section 623 ( a ) ( 2 ) : This section prohibits the reinsertion of information previously deleted without notice to the consumer unless the furnisher certifies the accuracy of the information.

Furthermore, I want to highlight that I have taken additional steps to address this issue : I have filed a report with the Federal Trade Commission ( FTC ) and possess a reference number for the complaint.

I have filed a police report regarding the fraudulent nature of the account, and I can provide a copy of this report upon request.
Consumer complaint received 2022-11-16
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. (TX)

This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the bureaus.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXXXXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX {$980.00}
Consumer complaint received 2023-03-09
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)

This is my 3rd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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 2023-03-08
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. (AR)

I am contacting beacuse I have found some information on my credit report which is fraudulent beacuse. Never had any attachments with the address listed below Remove personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and requesting that the items be removed Before the CONSUMER LAWS GET INVOLVED WHICH ITS ALREADY OVER 5 BUSINESS DAYS!!!!
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX : {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX : {$460.00}
Consumer complaint received 2024-02-10
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 name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and Transunion shall delete it. I did not give Transunion written consent to furnish my consumer report pursuant to 15 USC 16816 ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Consumer complaint received 2023-03-08
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 according with the Fair Credit Report Add this creditors reporting late payment on my credit report have violated my right under 15 U.S.C.-1681 section 602- say I have the right to privacy 15 U.S.C. -1681-6048-section 2- confirm a consumer reporting agency can NOT furnished on account without my writing instruction. Under 15 U.S.C. 1666 B. creditor my not treat a payment on a credit card account under an open a consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I am writing this letter to demonstrate my disgust with Paypal 's decision to take my available funds in my account. There was a total of {$4100.00} in my available balance. I was told by Paypal that I needed to wait 180 days to withdraw the funds. After about 170 days, Paypal then transferred the available balance funds into their own PayPal account, claiming " damages '' after a violating the " acceptable use policy ''. 
Paypal has provided zero evidence to backup their claim that my company has " damaged '' their business. All of these sales were from XXXX transactions and there very minimal amounts of returns or refunds. All of the buyers have received their merchandise. I emailed Paypal and they told me that I would be able to withdraw my funds in 180 days. I am attaching proof of their email showing they told me this information. There was only 1 Paypal dispute which was decided in my favor. I am asking that these funds be returned to my account right away so I may withdraw them to my bank account. If I do not have these funds returned within 45 days i will be filling a lawsuit in small claims court. Please advise.
Consumer complaint received 2024-02-10
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. (PA)

Transition refuses to remove inaccuracies and delete this account from my credit report. I do not have a contact with XXXX XXXX XXXX XXXX. Nor did they provide me with any evidence of a debt. Violation of federal laws 15 usc 1681, 15 usc 1681b.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report XXXX XXXX XXXX and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however Transunion and XXXX continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX removed ( XXXX ) XXXX REMOVED ( XXXX  ) WHICH MAKES TRANSUNION INFORMATION ABOUT ( XXXX  ) INACCURATE ALL 3 MAJOR CREDIT REPORTING AGENCIES ARE TO MATCH % 100 INFORMATION OR TO BE DELETED AS INACCURATE ACCOUNTS!!!!!!! 
15 USC 1681 A. B, C!!!!!!! 
CONSUMER FEDERAL PROTECTION SERVICES AND THE FAIR CREDIT REPORTING ACT!!!!
Consumer complaint received 2024-02-10
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On my credit report Experian is showing an address of XXXX XXXX XXXX XXXX XXXX and a PA address of XXXX XXXX XXXX XXXX XXXX, XXXX. I have never lived at either of these addresses. 

Also on my credit report due to Experian 's error XXXX XXXX XXXX has a {$6800.00} balance as a collection account - I have checked ti the other credit agencies and they do NOT have this collection account or this address on my report. 

I sent a copy of my XXXX credit report so that Experian could verify this. Further, XXXX XXXX and XXXX have removed the XXXX XXXX XXXX address from my credit file ; Experian is the only credit reporting bureau that refuses to remove the information.
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-10
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. (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 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}