davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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: ALLY FINANCIAL INC. (PA)

This is a complaint to Ally Financial , Inc for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, XXXX, and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Consumer complaint received 2023-09-09
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. (IL)

On XX/XX/2023 I notified Experian about inaccuracies I discovered in my credit report, which are negatively affecting my creditworthiness and over all Finacial standing. These inaccuracies include violation of 15 U.S code 1681b ( a ) ( 2 ) which I requested that their agency cease furnishing information to any third parties without my written consent, as explicitly required by 15 U.S code 1681b ( a ) ( 2 ). Despite my repeated attempts to engage with experian and provide the necessary documentation to validate the discrepancies, I have yet to witness any substantial effort on their part to address these issues. This inaction has not only caused undue stress and frustration, but it has also directly impacted my ability to secure favorable terms, including loans, credit cards, and other essential financial services. Its under my understanding that as per The Fair Credit reporting act and other relevant consumer protection laws, credif reporting agencies are obligated to ensure accuracy and integrity of the information contained within credif reports. I believe that experian disregard for my repeated attempts to rectify inaccuracies within my credit report constitutes a breach of these legal obligations
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
Consumer complaint received 2024-09-12
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. (NC)

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) from XXXX to XXXX. These violations have significantly affected my credit standing and financial opportunities. I allege the following violations of the FCRA : 1. Failure to ensure accuracy of information ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports, particularly regarding late payments, delinquencies, hard inquiries, collections, and debt balances.

2. Failure to conduct reasonable investigations of disputes ( Section 611 ( a ), 15 U.S.C. 1681i ( a ) ) : When I have disputed inaccurate information, the agencies have not conducted proper investigations or corrected errors within the required 30-day timeframe.

3. Reporting of outdated negative information ( Section 605 ( a ), 15 U.S.C. 1681c ( a ) ) : The agencies have continued to report negative information beyond the 7-year limit specified by the FCRA, particularly about late payments, delinquencies, and collection accounts.

4. Failure to provide required notifications ( Section 611 ( a ) ( 6 ), 15 U.S.C. 1681i ( a ) ( 6 ) ) : I have not received proper notifications of the results of investigations or information about my right to add a statement to my file. 
Specific issues in my credit reports include a ) Late Payments and Delinquencies : Inaccurate reporting of late payments on accounts that were paid on time. 
Delinquencies that should have been removed after 7 years are still present. 
Inconsistent reporting of late payment severity across the three bureaus. 
b ) Hard Inquiries : Unauthorized hard inquiries appearing on my credit reports.

Hard inquiries remaining on my reports beyond the 2-year limit.

c ) Collections : Collection accounts that do not belong to me.

Paid collection accounts are still reported as unpaid.

Collection accounts older than 7 years from the original delinquency date still appear on my reports.

d ) Debt Balances : Inconsistent reporting of debt balances across the three credit bureaus.

Inaccurate debt balances that do not reflect my actual account statuses.

e ) Reporting Discrepancies : Significant discrepancies in information reported to each bureau, leading to unfair variations in my credit scores. 
These inaccuracies and violations have resulted in an overwhelming negative impact, such as loan denials, higher interest rates, difficulty obtaining housing or employment ] .I request that the CFPB investigate these matters and require XXXX, XXXX , and TransUnion
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I was gifted a visa gift card {$100.00}. Which was purchased at a XXXX XXXX target the day of XX/XX/XXXX. I tried to use the gift card at store on XX/XX/XXXX and the card would not work at all. At first I thought it was a card problem until I looked further into the website for the balance and someone had already used my card at target two times of the amount of XXXX each. I then instantly called to get it disputed and person that assist me at first was nice and assisted me to complete a dispute. Weeks passed i got an email specifying that My dispute was granted and that the balance would be loaded back to the card. I didnt understand why they would load my card back if the card numbers were compromised. I called visa gift card services multiple times after I received that email on XX/XX/XXXX. The representative that I got were useless. They would hang up the phone on me and pretend it was disconnecting. I then called again waited to be helped for more than XXXX hour each time for the same thing to happen again. I was beyond frustrated and upset that no one would assist me. I then went to target to speak to the service engagement XXXX at the XXXX location and she specified that I needed to go to the target were the gift card was purchased along with my physical receipt and gift card to get a refund for the card. I went ahead and went to the XXXX XXXX location and asked to speak to the service engagement XXXX and I explained my situation and she said she could NOT do anything for me she said I had to go through visa. I advised her that I was just at another target and they specified that it was possible to get the refund but I had to be at the store that the gift card was purchased. It is very frustrating that no one can help me or guide me through the process of just simply getting my refund for my gift card. I am aware that this is happening a lot at target stores with people that purchase gift cards specifically visa gift cards.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NY)

I am writing to you because you are reporting inquiries on my credit report that i do not recall. Please see items listed below. 
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  Please forward me any documentation providing proof i applied for credit with these creditors. If you can not provide such documentation, then please remove these inquiries from my credit file immediately.
Consumer complaint received 2024-09-11
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. (PA)

I am filing this complaint to address TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a recent dispute I submitted regarding inquiries on my credit report. TransUnion has failed to verify the accuracy of the information I disputed and continues to report inaccurate, incomplete, or unverifiable information. 

Background : I recently filed a dispute with TransUnion regarding multiple inquiries on my credit report, requesting verification that these inquiries were made with my authorization or under a permissible purpose, as required by the FCRA ( 15 U.S.C. 1681b ).

In response, TransUnion sent me a letter explaining that inquiries remain on my report for two years and suggested I contact the companies responsible for the inquiries directly. TransUnion also provided a generic description of their dispute procedure, stating that they contact the data furnisher to verify the information, update their records accordingly, and send me the results of the investigation. 

Issue : TransUnions response is inadequate and fails to meet their obligations under the FCRA. Specifically : 1. Failure to Provide Verification : Simply sending a letter explaining their general process does not satisfy their duty to conduct a reasonable investigation under 15 U.S.C. 1681i. TransUnion has provided no evidence or documentation proving that the inquiries were made with permissible purpose or my consent.

2. Inaccurate and Unverified Reporting : TransUnion continues to report inquiries that they know are inaccurate, incomplete, or can not be verified. This is a direct violation of their responsibilities under the FCRA, which requires that credit reporting agencies report only accurate and fully verifiable information.

3. Shifting the Burden : By suggesting that I contact the companies directly, TransUnion is effectively shifting their responsibility to me. The FCRA requires credit reporting agencies to verify the disputed information themselves, not to rely solely on the statements of the furnisher or pass the burden of proof onto the consumer. 

FCRA Violations : TransUnions actions ( and inaction ) represent the following violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : TransUnion did not properly verify whether the disputed inquiries were made with permissible purpose, nor did they remove the inquiries when unable to verify them.

Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion is knowingly lol reporting inaccurate or unverifiable information.

Failure to Verify or Correct Information ( 15 U.S.C. 1681s-2 ( b ) ) : TransUnion failed to remove the disputed inquiries or provide documentation proving their accuracy and permissible purpose.
Consumer complaint received 2022-10-26
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: Early Warning Services, LLC (GA)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of XXXX. XXXX Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 
15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

On XXXX, I filed a dispute on my checking account with my bank for a transaction in the amount of {$450.00}, which was related to the Nevada XXXX. On XXXX, I was provided with provisional credit by my bank in the amount of {$250.00}, and on XXXX, an additional provisional credit of {$190.00} was applied to my account. However, On XXXX, the {$190.00} provisional credit was reversed. 

It is crucial to note that I proactively communicated with my bank on multiple occasions, clearly expressing my request for a full refund. The bank assured me that they would address this concern and advised me to contact the merchant ( Nevada XXXX ). I documented each conversation I've had with my bank concerning this dispute, ensuring the accuracy of the information shared. 

As part of my efforts to resolve this matter, I diligently worked with the Nevada XXXX, and we successfully resolved the payment issue. The initially disputed debt of {$450.00} was later adjusted to {$200.00} by the Nevada XXXX, and this corrected amount was promptly paid in full on XXXX. As a result, there is no remaining outstanding debt with the Nevada XXXX. It's essential to note that the reason for the XXXX lowering the amount was due to an incorrect charge caused by a malfunction on their part. 

Despite my repeated attempts to inform the bank of my successful resolution with the merchant, I was later informed that, due to the 120-day timeframe since the case was opened, they are unable to reconsider my case. This limitation imposed by the bank 's policy has hindered a fair review of my dispute.
Consumer complaint received 2023-11-12
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: Experian Information Solutions Inc. (NC)

I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I don't know who's computer started the problem, but on XX/XX/XXXX, Both the Experian and XXXX credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the 6 reasons apply at all.. 
I called XXXX, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last 4 of my ss # for identity is XXXX