davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my experian report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Consumer complaint received 2022-08-06
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. (CA)

I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Consumer complaint received 2022-08-06
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. (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. Regarding alleged account # XXXX, XXXX and XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a debit card from Bank of America for which I never applied. I destroyed the card. Later in XXXX of 2022, I received a letter from Bank of America informing me that two applications for a XXXX XXXX had been received and one of them was processed while the other was cancelled. 

In XXXX of 2022 I received another letter from Bank of America informing me that I owed {$77.00} on a charge card for which I never applied. As a result, I sent letter to Bank of America informing them that I had no accounts with them. They then responded with phone call during which I spoke with the Debit Fraud Dept and then was transferred to the Check Fraud Dept. I was informed to contact Social Security and spoke with a gentleman who informed me to speak with the police, the FTC and the Internet Crime Complaint website. I am on your site after getting transferred from the FTC site.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (CA)

I originally got Avio Credit in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX  report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Consumer complaint received 2022-08-06
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. (SC)

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  Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-06
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. (IN)

In regards to the recent news that Equifax miscalculated my credit scores. I begin researching federal law regarding my rights as a consumer. In my research I saw that in USC 15 Title 94 Chapter XXXX that Equifax is a financial institution by association. They sold my consumer information to other financial institutions that I applied for consumer credit transactions. These financial institutions used this information to make a decision if they would allow me to open an account with them. Equifax also issued a credit score and released this information to the financial institutions that I applied for accounts with. This is fraud as this is not there place as I never gave them permission to do so. In 15 USC 6801 ( a ) Congress makes it clear that each financial institution has the obligation to protect the security and confidentiality of my nonpublic personal information. 15 USC 1681A ( XXXX ) ( XXXX ) says that Congress makes it clear that Equifax assumed this role which I never asked for them to do. Equifax has a grave responsibility to exercise fairness, impartiality, and respect for my right to privacy. Equifax has and continues to violate my rights as a consumer as their consumer reports have damaged my character and reputation when trying to apply for consumer credit transactions with various financial institutions.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

After having some expensive car trouble, I put a large amount of money on my Barclays Delaware Credit Card. On XX/XX/XXXX, I noticed that Barclays Bank Delaware added a remark to my account, with no information. I called and spoke to a representative regarding the remark, as it dropped my credit score by XXXX points! They said there was no record of a remark on my account and I have never missed a payment, and that they never added a remark to my account. I was very frustrated because there was very clearly a remark on my credit report added by them and they said they had NO knowledge of it. I asked them to escalate the issue to investigations department and after a few hours, I got the same response. Barclays Delaware Bank claims they never added a remark on my account. I would like to have the remark removed and my credit score restored as I am no longer eligible for my housing with this drop.
Consumer complaint received 2022-08-09
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. (TX)

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-08-06
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. (TX)

Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, Experian, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.
Consumer complaint received 2022-08-06
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)

Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, XXXX, and TransUnion on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

The person who scammed my XXXX daughter out of XXXX dollars : Sent to XXXX email : XXXX transaction Number : XXXX sent on XXXX XXXX XX/XX/XXXXXXXX was for XXXX XXXX concert tickets. 

I have contacted Zelle directly - said they could do NOTHING to get money back. 
That answer sounded absurd to me, so I contacted my bank. It turns out they can file a complaint with Zelle- so I did that. I was told to wait until Friday ( XXXX XXXX ) giving their dept. time to look into the matter and that I needed to call them... so I did. I was told if they got the money back that it would show in my daughter 's acct. - it hasn't. Asked the man if there were any notes to show that someone had actually tried to get the money back - there were not. 
To me this seems fairly simple, Zelle should contact the other bank involved, with the info. they have, and get my child 's money back, stopping a now-known scammer before they do it again. If Zelle can not provide this most basic service to stop scammers, then banks should not be offering their services to customers.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On XX/XX/XXXX I attempted to withdrawal money from and XXXX ATM in XXXX, CO. Cash never dispensed from the ATM, and it flashed to Out of Service immediately after. I contacted the ATM company who reviewed the transaction, agreed it was bad, and provided me with Case ID for my bank to see. I have not been given a Regulation E provisional credit and its been almost 2 weeks now. The customer service email will send me the same generic email response to everything I ask. The customer service over the phone was giggling and laughing the whole time and only would repeat the same information as the email. My bank is saying they need 45 days to investigate, although the merchant has already cleared the return and provided a case ID to reference against. I can not get any help at all. The bank is Chime, under XXXX XXXXXXXX XXXX  and XXXX. This has prevented me from paying bills and buying food, and its terribly inconvenient.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} 2. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}
Consumer complaint received 2022-08-06
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 Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.
Consumer complaint received 2022-08-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (VA)

This company is trying to collect a debt that i do not owe i have never signed any contracts with this third party AD ASTRA Recovery serv nor them or XXXX XXXX office are loacted in the state of virgina This company also stated they have sent paper work through XXXX last time which that was a lie XXXX have nothing on file from this company to me
Consumer complaint received 2024-10-29
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. (CA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson capital Account XXXX you state original creditor is XXXX Please if you can validate is account for me NOT VERIFY { 1 } who you talked to their name contact information, what was SAID both parties, any associates you contacted their name and contact information, time and date of above contact any co worker you may have contacted their name and contact information, the { original creditor } name and contact information VERIFIED means make sure or demonstrate that { something is true or justified, } LAW swear to or support { a statement by affidavit } Validation meaning the action of checking or proving the validity or accuracy of something { contract Signatures, .CFPB have a rights to this information
Consumer complaint received 2022-08-06
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. (TX)

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX, XXXX__Experian. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

The debt collector made a new debt on my credit report just for the fees from another credit. The amount is {$120.00} and Ive disputed with them and I havent heard anything back. Opened XX/XX/2020.
Consumer complaint received 2022-08-09
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. (MI)

EXPERIAN is an elaborate mechanism that has used criminal acts to violate my privacy. EXPERIAN has committed identity theft and broken the laws put in place through sharing my federally protected information as a consumer with third parties, including XXXX, XXXX and XXXX 'S, without my prior consent. EXPERIAN assumed a grave responsibility in their role as a consumer reporting agency, and has failed in their obligation to report accurate information that is fair and equitable to myself as a consumer. I am a creditworthy person with excellent reputation. I have lost my faith in the banking system and refuse to extend my credit when EXPERIAN continues to furnish information of fraudulent credit utilization, credit scores, and balances that do not exist. 

I have attached my credit cards for identification purposes.
Consumer complaint received 2022-08-06
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. (TX)

I have asked Experian to conduct a proper investigation and verify that the XXXX XXXX, Account # XXXX that is reporting on my credit report was in fact reporting accurately on my credit file. I have received documentation from Experian that states the XXXX XXXX account # XXXX was reporting correctly on my credit file. After doing my own research, I have found improper inaccuracies on my credit report after Experian stated the information was correct. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-09
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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