davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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)

XXXX, Experian, and XXXX failed to cease reporting inquiries on my credit report after I reserved my right of privacy. Every address being reported other than XXXX XXXX XXXX XXXX Florida XXXX are non mailable addresses and need to be removed.
Consumer complaint received 2024-08-12
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)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2024-08-12
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. (MD)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-08-14
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. (TN)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (OR)

This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 2023-02-12
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. (VA)

In accordance with the fair Credit Reporting Act XXXX Account, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} 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 an account without my written instructions.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CO)

I had XXXX of small charges taken out of my cashapp cash card between the months of XX/XX/2022 to XX/XX/2022 while I was dealing with a personal matter and didn't have access to my cashapp acct. I have sent multiple emails to the merchant to get a refund with no response. I then went to try to do the chargeback with cashapp and they keep denieing it saying I made the charges any other bank would of flagged my card when so many charges to the same merchant for smaller amounts but not cashapp they kept letting the charges go through and refuse to give me back my money.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to credit bureaus. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. 

On my TRANSUNION report there is a " according to 15 US Code 1681a 2 ( A ) I excludes information that is solely based on transactions or experiences between the consumer and the creditor. How does TRANSUNION know how much I paid for bankruptcy? THIS IS ERRONEOUS REPORTING AND I DEMAND A DELETION OF THISB BANKRUPTCY ACCOUNT.

I AM EMOTIONALLY DISTRAUGHT AND TIRED OF TRANSUNION REPORTING THIS BANKRUPTCY AS SUCH AND IT COMING BACK VERIFIED FROM XXXX. 

YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND A DELETION. THIS IS MY LIFE THAT IS ON STAKE HERE, MY CREDIT WORTHINESS, AND DEFAMATION MY CHARACTER. DELETE I ALSO SUBMITTED THE CASE SUMMARY AS OF XX/XX/2023 SHOWING YOU THE ERROR OF THE CASE NUMBER THAT IS BEING REPORTED INACCURATELY AND INCORRECTLY. THIS INFORMATION IS NOT THE SAME AS PACER AND THEREFORE YOU HAVE NOT GOTTEN YOUR INFORMATION FROM THE COURTS BECAUSE THEY DO NOT VERIFY WITH CREDIT BUREAUS. 

DELETE THIS ITEM FROM MY TRANSUNION CREDIT REPORT immediately!! STOP VIOLATING MY CONSUMER RIGHTS AND THE RIGHT TO MY PRIVACY!!
Consumer complaint received 2023-08-14
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. (FL)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

i notice on my credit report that i had 2 collections that was reporting that is not related to me and the credit bureaus XXXX and Equifax violated the FCRA by reporting A collection account without sending me a verification letter stating that its my debt. The collection agency XXXX XXXX XXXX XXXX XXXX violated the FDCPA pursuant ( 15 U.S. CODE 1692g - Validation of debt ) they never sent me a letter in the mail nor electroninally stating that i owe this is a violation that need to be handled
Consumer complaint received 2023-08-14
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. (GA)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, XXXX, and TransUnion. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX, Tracking # - XXXX TransUnion received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with XXXX on XXXX they confirmed they removed the account confirmation # XXXX. I called XXXX on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why XXXX is still reporting false information on my credit report. TransUnion is also claiming they never received anything. I also sent XXXX XXXX a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (NY)

Re : Fraudulent Account - Account Number XXXX To Whom It May Concern : I am writing to formally request that Upstart Network , Inc. cease reporting the above-referenced account on my credit reports. This account was fraudulently opened using my stolen personal information. 

I have already resolved this matter with XXXX XXXX XXXX XXXX XXXX, the collection agency to which this debt was sold. I am also including a copy of my FTC Identity Theft Report as further evidence of this fraud. 

Please remove all traces of this fraudulent account from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I tried to utilize XXXX of my thank you rewards points to book travel. I attempted this x4 and email came back saying there was an issue with your booking due to a " system error ''. I proceeded to try to book the travel the following days when suddenly the spot where you enter the points to be transferred just disappeared, and wasn't even an option even though I have XXXX points available. I called and was told that this would be escalated to IT. There have been no resolutions. I tried having the representatives for Citi to do the booking and they also said that there was no option to utilize the points when trying to book the stay. 

So now I call the rewards department to transfer my points to XXXX as their system clearly doesn't work and now I am being told I can't do it because of a fraud alert from XX/XX/XXXX and it could take up to XXXX  days to complete the investigation. YET .... I CAN STILL USE MY CITI CARD! Why can I not use my rewards but I can use my card? If there was true fraud the WHOLE CARD should be put on hold. Yet no, I can still keep spending but I can't use my rewards points. 

I am really thinking that citi does not want me to utilize these points and thus there have been several blocks placed on the account due to my attempts to utilize my earned points.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-08-10
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. (TN)

I lived in XXXX XXXX XXXX between XXXX and XXXXXXXX XXXX My one bedroom apartment rent was {$340.00} which totaled {$4000.00} per year, making the entire 30 months occupancy totaled to {$10000.00}. There was no single month that I did not pay my monthly rent of {$340.00} and my continued occupancy was a clear testament to this, because I wouldnt be allowed to stay if I fail to pay a single month since the rent was month to month. I wouldve been evicted right away. And that being the case, the amount of {$4000.00} plus that is reflected on my credit report from this company was so inaccurate that it almost amount to the entire one year of tenure in this said apartment managed by the company named above. I have never abandoned the apartment at any given time, nor did I ever fail to pay a single month. All the tenants vacated the said property at the same time, because we were all issued an official notice letter that the property is being sold to a new developer who intends to do renovation and therefore by XXXX of XXXX the entire property needs to be vacated and there are still tenants in town that can attest to this fact since there was up to 7 apartment in one house and all were ninth to month payment. And we all left at the same period ( XXXX of XXXX ). 
I was checking my credit account the other day and I have found out that there is an outstanding account from XXXX XXXX, I decided to contact XXXX XXXX to see how is it possible that I have almost one year unpaid rent on my credit report when I was paying everything until we all left in XXXX, the lady that picked up the phone kept saying Yes, you didnt pay, yes you owed it, repeatedly and before the conversation goes ugly, I decided to tell her okay I will go ahead and file complaint and dispute this, since she was not ready to listen to me, instead of answering my question where did those numbers come from, which months are they, and how was I able to live in there continuously for one year without paying a single month and never was evicted since the amount reflected on the account is equaled to almost one year of rent. And she instead went defensive and aggressive on the phone, they should have the phone record of our conversation, and she was never able to provide me reasons why I have such inaccurate account. I told her then if you do not have answer to my question then I thank you for your time I will just go ahead and dispute this account because it is in accurate as far as I know.