davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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. (PA)

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). 
Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-29
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 (GA)

On XX/XX/2023 someone XXXX  XXXX  their self {$550.00} from my account, I tried to get it back through XXXX XXXX  but that didnt work. So I tried through my bank Chime Ive done a police report and everything and they keep denying. I even had a appeal of the decision more than 5 times and its the same conclusion. And when I ask them to send me documents about why and how they denied me all they send me is my police report. And I feel like that is not enough justification as to why they keep Denying me.
Consumer complaint received 2024-08-13
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2024-10-05
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. (TN)

XXXX XXXX XXXX XXXX reported an open credit card payment late on XXXX and XX/XX/XXXX and XXXX, XXXX of XXXX. 

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under, 15 U.S.Code 1681a Section 602 states I have the right to privacy 15USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached.15 USC 1681 states, " The banking system is dependent upon fair and accurate credit 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. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of XXXX are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.
Consumer complaint received 2023-09-05
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: WELLS FARGO & COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (GA)

On XX/XX/XXXX Credit Karma froze my account I have a balance of XXXX in my account I have tried several times to get in contact with them and I was told that a team would reach out to me via email because they dont have a phone number they will not tell me why my account is froze nor when will someone be contacting me
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CO)

ATM didnt dispersed funds of XXXX at Key Bank outside went inside talked to teller he checked account money was extracted from account but not received receipt said incomplete transaction teller communicated with bank manager who is in the bank with glass window where is able to see me and bank teller told bank teller to tell me to file a dispute without recognizing the issue was urgent said Im waiting on new customer trying to open up account for me to come back in 1 hour and 45 minutes came back still unable to see me Next day almost exactly same situation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-02-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO Bank, N.A. (AZ)

It's been going on for 2 years. That I have not had a security credit card in my possession. I have continuously tried to fix all the bank issues bank of the west has given me, including all the overdraft fees, on my regular bank or checking account as well. With this being an issue, I have not been able to build my credit correctly. It's hindered a lot. 
I've called the bank, went to the bank. Ordered card, did everything that I could possibly do. And nothing happens and I have yet to receive a secured card so I basically have a secured credit card for nothing. Not including the lack of Service provided to resolve my issues correctly has not been for for field.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IN)

Filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage so it wouldnt be affected. My bankruptcy was discharged XX/XX/XXXX. Since I filed bankruptcy my mortgage is Not being reported to the three credit bureaus even though I reaffirmed the mortgage. I was told to them reaffirming the mortgage just meant it gave me online access to my account. Im not stupid and know thats is not correct.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank with XXXX XXXX has called me repeatedly, everyday. They have used about 15 different phone numbers, if not more. They start the calls at XXXX and continue them throughout the day. They leave voicemails on my phone insinuating that legal action will be taken. They have even mentioned me having an attorney. It is extremely stressful. For awhile I did think they were scammers. I have multiple phone numbers that I can share and voicemails.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-05
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. (FL)

I notice there is a violation of my consumer rights 15 USC 1681a which states that transaction and experiences between the consumer and the person that's making the report are Excluded. I am also being violated under 15 USE 1666B which also states a creditor can not report a payment as Late unless there were a statement sent within 21 days of my payment, which this is a billing error. The third violation I notice was 15 USC 1681b I never gave written permission to report anything to my consumer report. FCRA says that there is to be Maximum accuracy in a consumer report according to 1681e ( b ) which I don't find to be in this case.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-29
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. (VA)

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my XXXX file with the XXXX CRA ( XXXX, Transunion, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all XXXX CRA ( XXXX, Transunion, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all XXXX CRA ( XXXX, Transunion, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.
Consumer complaint received 2023-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Hunt & Henriques (CA)

I purchased property XXXX XXXX XXXX XXXX in XXXX XX/XX/XXXX. I had financial hardship in XXXX and tried to sell property. I tried to work with banks to assist but was unsuccessful. Around XX/XX/XXXX property was foreclosed. I had 2 mortgages. Im assuming the first was satisfied. Loans were with XXXX and XXXX. 
I applied for a HELOC in XX/XX/XXXX with CITIBank. The HELOC was for {$150000.00}. 
The HELOC paid off the existing second with XXXX {$120000.00} and borrower received {$10000.00} check to pay for portion of kitchen remodel. Citibank is garnishing my eagles at this time. They have a judgment for {$220000.00} which include loan, fees and interest. Im living paycheck to paycheck. I cant have them take any money from me. This is causing stress and hardship.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

XX/XX/XXXX furnish my information to a third party without my consent i have request real ink of my signature on any form that allows them to share my information there in violation of my rights. Because a consumer has a right to privacy 15 U.S. Code 1681 ( a ) ( 4 ) and to preserve that privacy consumers the right to Opt Out of third-party sharing, therefore preventing financial institutions from sharing account information and history to consumer reporting agencies 15 U.S. Code 6802 ( a ) ( b ). You're absolutely right, I should provide a case specifically involving liability for reporting information prohibited under FCRA 1681a. One relevant case is : Farren v. RJM Acquisition Funding, LLC, 2005 WL 1799413 ( E.D. Pa. July 26, 2005 ) - The plaintiffs alleged that defendants violated FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing inaccurate and impermissible information. - The Court denied the defendants motion to dismiss, finding : Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. - So this case demonstrates that furnishing inaccurate or impermissible information prohibited by 1681a ( d ) ( 2 ) ( A ) ( i ) can provide grounds for liability under the FCRA. Please let me know if this helps provide a relevant case example per your request! I apologize for not citing this applicable precedent initially. The Eastern District of Pennsylvania federal court denied XXXX 's motion to dismiss the claim alleging XXXX violated FCRA 1681a by furnishing prohibited information to credit reporting agencies. In denying the motion to dismiss, the Eastern District of Pennsylvania federal court ruled : " Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. By rejecting the motion to dismiss, the Eastern District of Pennsylvania federal court allowed the 1681a claim to proceed against XXXX based on the alleged reporting of prohibited information, even if factually accurate.