davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number : 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please see attached
Consumer complaint received 2024-01-02
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. (VT)

XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago.

This has been an on-going issue with Transunion holding onto old data that is completely wrong. They keep saying that its accurate and that this is what XXXX XXXX XXXX keeps reporting. I'm being financially harmed by this false  info and should be compensated. I have submitted proof that this was paid off and closed.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX, Equifax and XXXX are reporting inaccurate and outdated information. All of the scores are very low and outdated. Per 15 USC 1681 ( s-2 ) a person shall not furnish information relating to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate information is in fact inaccurate under 15 USC 1681n Civil liability for willful noncompliance. XXXX, Equifax, XXXX has willfully reported inaccurate information that has caused tremendous amount of damage to my credit report and score. I have disputed all of the inaccurate information and the companies never did a complete and accurate investigation. 
There were 16 different name variations and also 19 different phone numbers, 3 different variations of my social security number as well. Also per 15 USC 1681b, there was no permissible purpose given for them to obtain any information about me for any credit. 15 USC 6802 states that a financial institution may not disclose any nonpublic personal information unless such financial institute has provided to the consumer a notice that complies with section 15 USC 6803 of this title. The inquires soft & hard, shows that this law has been violated as per CFR 313 Privacy Of Consumer Financial Information. All of the closed accounts and accounts in collection are paid accounts that are inactive on my credit report. these accounts are paid and the original creditor has settle the debt and the collection company has bought these accounts pennies on the dollar and are trying to collect on them. These are considered income, and are not suppose to be reported per CFR 313. Also per The Family Education and Privacy Act of 1974 educational and financial information is being reported by all 3 bureaus which violates my rights as a consumer.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I received transaction email stating I purchased an item. I have not used this card for over 1 month and this charge was not done by me. I immediately called Best Buy Credit Card company and reported fraud charge. I was told it was used in XXXX other places and all XXXX charges were disputed right away. I was told that my account is locked and they will send me new credit card. 5 days later same credit card was used and charges were made. I called again and they told me for some reason card was not locked and they will lock and make those charges in dispute as well. One month later I received later stating that my fraud claim is denied and I am responsible for all the charges.
Consumer complaint received 2023-12-14
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

CHASE DEBIT CARD Denied XXXX unauthorized charges on my card : {$42.00} twice on same day. 
XXXX was stolen and replaced by XXXX. They first issued XXXX credits and then charged them back without any reason other than they were authorized. They were not. 
I gave them the name of the person I am sure did it ... and other unauthorized charges on other bank cards. 
I spoke with a branch rep and he said he would re-submit my disputes.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I entered into an agreement with the plaintiff that would draft a payment out of my account once a month for the amount they are saying I owe. Shortly after this agreement I was served with papers that were a statement of claim. I filed an answer to the magistrate court stating that I have had a once a month deduction come out of my account to pay the debt they say I owe and I showed proof. I have now received a letter saying that I must go to court in XXXX  or I will have a judgement against me. I have been trying to email and call these people since XXXX I want this case dismissed because I am already paying and they draft the amount out of my account each month. I cant miss a day of work for this. I think they are not answering or responding because they want me to not show up and it be a judgment against me. They are sneaky and have been no help to me. When I have called I just get transferred to people that cant help me because they say its a legal matter. The court says that they will not dismiss the case unless they hear back from the plaintiff as soon as possible.
Consumer complaint received 2023-12-14
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. (TN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc. (TX)

XX/XX/XXXX Registered at XXXX  XXXX XXXX in the following classes : XXXX XXXX XXXX XXXX XX/XX/XXXX -Verified, Accepted student loans to pay for classes XXXX -Enrolled in all 4 classes stated above XX/XX/XXXX -Dropped out of classes due to missed discussion board post. XXXX  XXXX XXXX asks you to post every two weeks to a discussion board to count as attendance, however, I missed the last discussion board deadline due to being laid off and financial difficulties. 


XXXX -Made several calls and emails to XXXX XXXX XXXXXXXX XXXX As well as multiple phone calls to the Veteran Affairs Department to let them know I was indeed enrolled in all my classes up until XX/XX/XXXX. However, XXXX  XXXX XXXX kept mixing up that I was enrolled in a few classes when I was completing assignments for all four classes. To apply for XXXX  XXXX XXXX XXXX XXXX ( CB ) classes you can only enroll in 4 classes at a time. 

-I called the VA education department and was told that I enrolled in only two classes and the others one at a time. That was incorrect. This is why the Veteran Affairs for Education Department thought I was not fully enrolled but again I was signed, enrolled, and completing assignments/discussion boards for all four classes stated above until XX/XX/XXXX when I was dropped for a missed discussion board. They said I owed them for XX/XX/XXXX and was not paid for my final month in XXXX. 

XXXX - After multiple miscommunications with XXXX XXXX XXXXXXXX and calls back in forth I called the VA for Education Department again . The agent on the phone said I have one more option to send over a financial status report to the VA department so they could decide on whether they would waive the amount they said I owe. I complete it on XX/XX/XXXX and send it through XXXX on XX/XX/XXXX. 

XXXX -I called about a week later to see the update on the decision and I was told I would get a letter. So, throughout the months I didn't recieve anything in mail so I assumed everything was handled. Also, I was no longer enrolled in school and focuses on building my income again. 

- Again my issue is that I was enrolled as FULL time as a XXXX  XXXX XXXX student up until XX/XX/XXXX. I do not owe money because I was completing assignments and discussion boards on all classes. I was not a XXXX XXXX XXXX or in XXXX class at a time. I have attached any evidence I could find/ had access to for my proof of attendance.
Consumer complaint received 2023-12-14
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. (GA)

XXXX, XXXX and Experian is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX, XXXX and Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. 

" See Attachment '' for All Accounts and inquiries 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 
Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. 

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX are consumer reporting agencies and I am the consumer.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated. 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. 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!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with XXXX on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus
Consumer complaint received 2023-12-14
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. (TX)

Subject : Formal Complaint Against Trans Union for FDCPA Violation by XXXX XXXX XXXX XXXX I am writing to file a formal complaint against Trans Union for its involvement in a violation of the Fair Debt Collection Practices Act ( FDCPA ) by allowing a collection account to report on my credit file. The collection agency involved is XXXX XXXX XXXX XXXX. 

I recently discovered an adverse entry on my credit report attributed to XXXX XXXX XXXX XXXX. Notably, I have never received a debt validation letter from this collection agency, and I am entirely unfamiliar with the debt in question. This absence of validation, as required by the FDCPA, raises serious concerns about the accuracy and legality of the reported information. 

Details of the Complaint : Violation of FDCPA : XXXX XXXX XXXX XXXX has failed to provide the mandated debt validation letter within the stipulated five-day period, as required by the Fair Debt Collection Practices Act. 

Unfamiliar Debt : I am completely unaware of the debt being reported by XXXX XXXX XXXX XXXX. The lack of a debt validation letter has left me uninformed about the nature and legitimacy of this alleged debt. 

Inclusion of Unvalidated Debt on Credit Report : Trans Union, as a credit reporting agency, has included this unvalidated debt in my credit report. This inclusion is not only inaccurate but also potentially damaging to my creditworthiness. 


I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure compliance with the FDCPA and to rectify any inaccuracies in my credit report promptly. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2023-12-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : 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 I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the 30-day investigation period, as stipulated by FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the XXXX Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and TransUnion. I also want XXXX to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that XXXX has not reported to the credit bureaus