davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bright Capital Inc (TX)

I signed up to use the Bright XXXX XXXX app in the XXXX app store. They provided my a 6 step plan, and step one was to fund a " rainy day fund ''. I deposited {$1000.00} into this " fund ''. I then shortly after withdrew it back to my XXXX. Its been 6-7 weeks later, I have not received the funds. The funds are not available in any account Bright XXXX Co has under my account or makes me aware of. 
The money is accessible nowhere to me as the consumer. I contact support throughout these 7 weeks, support responded with erroneous, and or completely irrelevant/incorrect information about my personal details and account with them. In addition, several other messages were ignored, or neglected. I'm initiating a small claims suit against the company in XXXX XXXX XXXX. However this companies practices is violating and disturbing that they think they can freely do this to people and get away with it. Please punish them.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (TX)

I have a credit report pulled, this would be a lot to put all dates and information in here but I have just gotten me a full report of this. I'm glad I did read the article because I didn't realize ( due to being uneducated in credit ) that these credit cards of pre approval was scams. I do have hard inquiries on my credit score and most of them I have no Idea where they are from and I just dispute one of them because I was so confused. I have applied for multiple credit cards on Credit Karma and I am denied all the time. So I decided to stop but I didn't know that was considered fraud I would have said something a very long time ago. This is very shocking and sad and one thing I do know is that my credit score is actually inaccurate which is why I only use them to pull what's on my credit but I do know they lie about my score all the time because when apartments do soft credit check they will say Credit Karma is not the most accurate this is your score but I'm wondering how do they come up with these numbers. I thank everyone for this information because I was about to file taxes with them due to XXXX charging all these fees and I am now I'm curious why I can't get the money spend account which is puzzling.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a car lease with XXXX XXXX XXXX XXXX XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my Equifax regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, TX XXXX XX/XX/2022 Dear Trans Union, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, 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. (OR)

On XX/XX/2023. I received a fraud alert via email pertaining to XXXX of my consumer reports from Via TransUnion & XXXX. I reached out to both companies via separate phone calls. I was told by both companies that these fraudulent hard inquiry accounts would be removed from my consumer report via XXXX hours. Its been over three weeks and these Fraudulent items are still reported on my consumer report today 's date is XXXX XXXX from the original date of XX/XX/2023.
Consumer complaint received 2022-12-03
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: TD BANK US HOLDING COMPANY (GA)

Nordstrom agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to XXXX this account out and remove from all three credit bureaus. Nordstrom deposited and cash that check so they agreed to the terms of written statement on the check. If Nordstrom account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. Nordstrom had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Consumer complaint received 2022-12-14
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: Onity Group Inc. (DE)

In accordance with the fair credit reporting act XXXX account XXXX Phh mortgage, account XXXXXXXX XXXX XXXX, has violated my rights. 

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (GA)

credit bureau has been regularly and irregularly disseminating my proprietary and private information, as i am the holder in due course, and i demand that this cease, i have been the victim of identity tampering as the various name derivations and addresses can show. 
i do not want my social security number used without my consent nor any information i deem private. I will replace social security number with a number that can be substantiated via the Internal Revenue Service to consolidate my account ( s ). I demand compensation and the right of authorizing who gets to view my account data. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by Federal Law to verify - through the physical verification of the original signed consumer contravt - any and all accounts the Credit Bureau post on a credit report. Otherwise Anyone paying for thier credit reporting services could fax, mail, or email in a fraudulent account. I wish to stop any un authorized business from perusing my account at a whim, asd is now the case.
Consumer complaint received 2021-02-02
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)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/2019 2019
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-02-02
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. (GA)

XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.
Consumer complaint received 2022-10-20
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. (GA)

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. 

XXXX XXXX XXXXXXXX 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 DEPT OF EDXXXX 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 2021-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/20 I sent a letter concerning inaccurate and unknown items on my credit report. Till date and almost 60 days later, I am yet to receive a response back from the bureaus and this is causing me distress as I feel i am being ignored while i suffer with the consequences of the negative items on my report. 

I was a victim of the XXXX breach + the IRS informed me that i was also a victim of Employment related identity theft via XXXX as someone used my SSN to obtain employment. 

I feel that these items on my report are affecting my financial worthiness and costing me alot of money every year as a result of impacting my credit score. I have also filed a complaint with the FTC and the XXXX as none of these items are mine. I demand that they be fixed asap. 
I refuse to continue waiting and being ignored. 
I demand they be removed immediately otherwise i will file litigation. FCRA Section 611 ( a ) is clear that a failure to investigate these items within 30 days requires they remove them from my report immediately. It has been 50 days. I demand that they be deleted asap please.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NV)

I have been contacted again for a account by consumer cellular that was discharged in bankruptcy, consumer cellular first reported the account to professional credit and now I have been contacted by IC Systems Inc, The state attorney Generals office Oregon was contacted and the company was supposed to stop trying to collect this debt because of the bankruptcy
Consumer complaint received 2022-07-14
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. (GA)

You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the 3 major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a lien and an involuntary bankruptcy against the CFPB and the credit Bureaus.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

XXXX XXXX XXXX has violated consumer rights as well federal laws by engaging according 18 U.S. Code 894- Collection of extensions of credit by extortionate means to 15 USC 16 9 2 g detailed list of the payment history in regards to that debt number two l wan na see the original signature that i agree to on the contract of the debt that belongs to the creditor No.3 has there been any insurance claim found on this debt that you claim belongs to me This is a violation of 15 U.S. Code 1681i ( 5 ) remove immediate. 15 USC 6802 15 USC 1681b 18 USC 1028A
Consumer complaint received 2022-11-29
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. (NY)

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus Experian, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX need to be deleted immediately.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had two credit cards with BoA, They had a XXXX balance and were on autopay and paperless. After a year of non use BoA decided to change my accounts without notifying me to ones with fees. When changing them they changed everything address etc and dropping the auto pay. They finally contact me by snail mail that I was late. I contacted them, we went over the situation. They agreed that they were wrong and said that they would contact the credit agencies to correct the reporting of late payments. I received Letter saying so. both credits cards were treated as the same thing. I closed the accounts and I forgot about it till I recently checked my credit report. I found that they had only corrected one not both of the credit cards. I contacted BoA they said they could see the mistake and would fix it. After several weeks I got a report from the credit agency saying they will not change the late standing. I contact BoA they said higher management had review it they changed their mind and it stands. They wouldn't explain why or discuss it at all. They then chanced what happened.saying it was up to me to go online and find out that they had changed my accounts and they won't review it. After multiple calls to BoA I finally got someone to review my case again.. They finally agree again I was right and they said they would change it. This was made to me by XXXX BoA case # XXXX. ( I have other case # ) waited two weeks and Nothing was done and when confronted, they said they No nothing about it or other case numbers when I confronted them with their own case numbers they refused to even check on them. I asked for my file that would cover these cases and agreements they said NO. this has been going in circle for months I need help. When I get someone who is honest they agree it should be changed but then they have something that reverses it and will not honor what they agreed too
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX 30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

I use Chime ( XXXX XXXX  ) and have been dealing with this issue for about 3 months now. Ive filed SEVERAL claims with this bank just for them to keep denying it despite all of the documentation that proves I was dealing with a fraud situation. I paid a total of {$920.00} for my half of the deposits for TWO different rental properties and had to leave both. I have the copies of both leases, filed a report online and have contacted XXXX and Chime and neither one has done anything about this fraud situation. I paid for a product and did not receive it. Thats fraud. However, Chime employees just kept telling me the same script about receiving documentation on why my claim was denied or submitting more evidence to reopen the claim when I have provided everything necessary. I just want my money back from this situation because I have been in between homes ever since this has occurred and not one company has done their part to make this right.