davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (AL)

In according with the FCRA, list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS and confidentiality under 15 USC 1681. 

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 

15 U.SC. 1681 602 A. States that 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 EXCEPT as authorized under subsection ( b ) of this section, 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. 

A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2022-07-17
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. (CA)

XX/XX/2022 Filed a dispute regarding a duplicate charge of {$260.00} XX/XX/2022 Merchant contacted XX/XX/2022 Merchant responded receiving complaint XX/XX/2022 Merchant denied responsibility XX/XX/2022 I sent documentation stating merchant agreed it was a duplicate charge and agreed to refund. 
XX/XX/2022 Dispute reopened After not hearing from the bank, I contacted them the end of XXXX. 
XX/XX/2022 Bank contacted merchant
Consumer complaint received 2022-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX I received a letter from the National Credit System , Inc. about a debt that I supposedly had with XXXX XXXX XXXX. I NEVER HAD DEBTS WITH THAT PLACE. 
Prior to the National Credit System notice, I NEVER RECEIVED a call or letter from XXXX XXXX letting me know that I had an outstanding debt. The SUPPOSED DEBT was sent by XXXX XXXX directly to debt collection, which is incorrect and ILLEGAL. 
On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX and asked the Office Manager for an explanation. After checking that I did not have any debt with this office, she made a copy of the letter and promised to resolve that problem with the debt collection office. APPARENTLY, SHE DID NOTHING. 
On XX/XX/XXXX, I received a notice from XXXX XXXX, one of the companies that monitor my credit and data security, where they report that my credit history had dropped XXXX points due to AN UNPAID DEBT. I immediately requested Credit Reports from XXXX and XXXX, where this debt appears unpaid, affecting my credit history. 
I do not have, nor have I had, outstanding payments TO ANYONE, least of all XXXX XXXX. I have had financing with different companies for two cars and a house, for several years, and I HAVE NEVER BEEN BEHIND PAYMENTS.
Consumer complaint received 2019-04-08
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: Experian Information Solutions Inc. (NC)

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX, NC XXXX
Consumer complaint received 2022-07-01
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. (NV)

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Equifax requesting the investigation and correction of the accounts and yet they have done nothing. Equifax is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Equifax take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (FL)

On XXXX XXXX at XXXX. At XXXX I used my personal debit card to load and put {$400.00} on a Netspend prepaid card. The cashier said to call customer service to register the card. The customer service was closed at that time. I called XXXX when they said they will be open they still was closed. Over the automated machine with netspend customer service I was not able to say my complete address and answer other related security questions to register and utilize this card. I have {$400.00} on the card and need to be able to use the money on the card right away. My number is XXXX XXXX.
Consumer complaint received 2020-05-18
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. (FL)

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report

which is not alligned on what they told me. I never been late on my payments. I request this mark to be taken off my credit report
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have recently applied for a secured loan. Everything was approved except the company needed to contact me by phone because there is a fraud approval on my credit that does not allow the funder to release funds until they have verbal approval from me. 
I have no idea who placed this fraud on my report. It was dated XX/XX/XXXX, it will be in effect until XX/XX/XXXX. I need it removed immediately -- I did not authorize it. Experian is the company that placed the statement on my account. I tried continually for 3 days to contact someone to talk to. No matter what phone # you call at Experian, you get a recording. I did reach a recording that told me that this statement could not be removed from on line I compiled all of the documentation required-picture of driver 's license, utility bills, copy of social security card, etc. I mailed the information XX/XX/XXXX- 2 weeks ago! I have not received a reply from Experian.. I am in a position..The loan was for remolding our kitchen appliances have been order and the contractor will not begin work until he receives the down payment..
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (MN)

these CRAs are continuing to violate my consumer rights and willfully breaking the law. they are completely refusing to uphold their lawful duties. section 623 is extremely clear about the duties and responsibilities of CRAs and data furnishers.

1. They are not absolved from lawful duties outlined in 623 by litigation.

2. the fcra does not say they can continue to harm me by reporting false or fraudulent data.

3.they can not continue to violate my rights by reporting me as deceased.

4. they can not open and close my accounts at random an without consent. 
5.they can not send harassing letters to " the estate of XXXX XXXX ''. they can not add experiences or transactions to my report. 
6.they can not take more than 30 days to investigate this clear willful and negligent misuse of my data. 
7. they can not continue to violate the entire FCRA FDCPA ETFA and my 4th amendment rights.
Consumer complaint received 2019-05-19
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( Citizens Bank, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to Citizens Bank, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by Citizens Bank, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Consumer complaint received 2023-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (AL)

TD AUTO FINANCE LLC is currently attempting tax fraud by continuing to attempt to collect a debt that was charged off in XX/XX/2023 and company filed a XXXX c on this debt. 

This company also violated my FCRA rights again according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I have emails as well as several disputes on credit files letting them know the information was inaccurate and they still continue to report inaccurate information which is illegal by law. 

Below you will find proof of the inaccuracies such as Missing data which theyre in violation of the FCRA and also updating the same inaccuracies after being notified by credit bureaus.
Consumer complaint received 2023-03-07
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-07
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 (MA)

On XX/XX/XXXX several unauthorized transfers occurred in my chime checking account. 
XXXX {$600.00} to XXXX XXXX XXXX {$600.00} to XXXX XXXX XXXX {$17.00} to XXXX XXXX {$110.00} to XXXX XXXX {$1000.00} to XXXX XXXX XXXX {$190.00} to XXXX XXXX I disputed theses transactions XXXX XX/XX/XXXX with Chime Bank and filed a police report XXXX Chime investigated these transfers and concluded that no error occurred.
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-03-07
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. (NC)

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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (MD)

This company has yet to bill our insurance but has now sent a collection agency after my wife. 

On XXXX XX/XX/XXXX, my wife went into XXXX  XXXX  and had a XXXX  with XXXX XXXX. XXXX XXXX XXXX in XXXX, Maryland ( XXXX ) did not send us any statements until XXXX XX/XX/XXXX. The statement amount was {$4200.00}, and listed our insurance provider as XXXX XXXX XXXX XXXX XXXX XXXX, which is correct. On XXXX XXXX, shortly after receiving the statement in the mail, my wife called in order to have the bill sent to our insurance provider. The billing clerk said they would send the bill. The insurance provider did not ever receive a bill from XXXX , so this is not an issue of improper coding. We again received a bill on XXXX XXXX, again my wife called XXXX , who said they will send it, and again we confirmed with our insurance provider that they have not received a bill, statement, or notice from XXXX. 

XXXX has now sent our bill to Financial Corporation of America , a collections firm for the full amount. To our understanding, XXXX has yet to file with the insurance provider. Since this procedure, my wife had another routine anesthetic procedure on XXXX XXXX. The XXXX XXXX University Department XXXX  XXXX  managed to bill our insurance provider and in less than two weeks the bill was settled. At best this is a situation about incompetence, of a clerk who simply can not handle a simple task like sending a claim to an insurance agency. At worst, this is a case of malfeasance, whereby the company is taking a chance by harassing a customer to receive a greater payout than they would through insurance. I can only hope it is the former and not the latter. 

To be clear, XXXX XXXX XXXX XXXX XXXX XXXX is a XXXX  insurance plan. I am a XXXX  XXXX  and my wife is my dependent. I do not believe they are at fault. They cant process what they have not received. It is after hours, but tomorrow my wife will again call XXXX and XXXX  to attempt to resolve this issue. To XXXX, please feel free to contact me so I can provide my wife with a better number than your billing department, as this appears to be beyond their skillset.
Consumer complaint received 2020-05-16
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: DISCOVER BANK (MS)

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Discover Card tradeline on my XXXX report to no avail. Even Discover Card has reported to me that they requested that XXXX   remove the tradeline from my XXXX  credit report. However, XXXX has failed to do so. I have sent several requests to XXXX   requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are being violated.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.