davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

My account with XXXX XXXX  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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-11
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. (MI)

In accordance to the Fair credit Reporting Act.The list of account are violating my federally protected consumer rights and confidentiality under 15 USC 1681. 
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 XXXXXX/XX/XXXX After reviewing my TransUnion credit report, I found inaccurate information that leads me to believe the company is in violation of my rights under 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they report. Additionally, under 15 USC 1681s-2, furnishers are required to provide accurate data to credit bureaus, yet these errors have persisted despite my attempts to correct them directly with the furnishers. 

These inaccuracies are negatively affecting my life by limiting my access to credit, impacting financial opportunities, and causing significant stress. Worse, the presence of inaccurate information can increase the risk of identity theft, as false data or unresolved disputes can leave my personal and financial details vulnerable to misuse. I have disputed these inaccuracies, but the credit bureaus have failed to conduct a proper reinvestigation as required by 15 USC 1681i-5. 

I kindly request that the CFPB investigate these violations to ensure that both TransUnion and the furnishers are compliant with the Fair Credit Reporting Act and correct these errors. Your attention to this matter is greatly appreciated.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (SD)

On XX/XX/2021, my husband and I applied for joint credit with Synchrony Bank for an Ashley Home Furniture store credit card. I received a letter ( XX/XX/2021 ) in the mail to contact Synchrony Bank regarding my application. I called the number listed on the letter and was directed to XXXX and follow the prompts which included capturing image of my face and copy of my drivers license. After this was completed I called Synchrony Bank again and after being on hold for approximately 15 minutes. When agent came back on the line I was told my application was declined and to expect a letter detailing the reasons why my application could not be approved to be mailed within 7-10 business days. I did not receive a letter, however, I received an email communication from Synchrony Bank which included a link to unspecified document. I was unable to open the document and contacted the Bank to request assistance. The agent was unable to resolve my inquiry, and after asking the if the document was a Notice of Adverse Action, I was again told I will receive a letter in the mail within 7-10 business days. On XX/XX/2021 I again called Synchrony Bank to inquire why I had not received my Notice of Adverse Action ( my husband received a Notice of Adverse Action stating he was declined based on my information ). After a lengthy hold the agent finally came back on the line to inform a copy of the Adverse Action was requested and I should expect to receive within 7-10 business days. I have yet to receive the regulatory required notification. All I want is a copy of the letter with my decline reasons.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

There are two incorrect addresses on my credit report showing as previous addresses. I called on XX/XX/21 to request that they be removed. Other incorrect information was removed but not these 2 addresses. This misinformation has allowed debts to be attached to my name that are not mine, therefore my credit score has been affected negatively which in turn affects my chances at future credit. Because I did not give permission to display any of my personal information, especially not incorrect information, this company is in violation of 15 US Code 1681 ( a ) ( 4 ) and has not protected my right to privacy.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Inquiry : XX/XX/year> XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (CA)

According to 15 USC 1681e ( b ) it states this ( 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this collection with XXXXXXXX XXXX .I dont have a contract with them they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this collection account to be removed from my credit report.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (GA)

on or about XX/XX/XXXX a complaint was submitted to CFPB XXXX regarding XXXX account XXXX that Equifax has reported inaccurate information and they have verified to the consumer and the CFPB that the account is closed and having a XXXX balance this is dated XX/XX/XXXX in their response to my complaint XX/XX/XXXX, enclosed you will find a current copy of Equifax credit report dated XXXX XXXX confirmation # XXXX that states Equifax say this account ( Truist ) ia open and having a balance, enclosed is a letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX showing XXXX is correctly reporting to Equifax. 


THIS ACCOUNT IS CLOSED AS OF XX/XX/XXXX AND PAID IN FULL ... ..... 

FIX THIS IMMEDIATELY OR THERE WILL BE REPERCUSSIONS ... ......
Consumer complaint received 2021-08-25
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: OneMain Finance Corporation (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My only name is XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Consumer complaint received 2024-09-10
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. (TX)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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.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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.

15 U.S.C. 1681EB 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.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am not liable for this debt of with XXXX  XXXX XXXX Account # XXXX I do not have a contract with XXXX  XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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. (NJ)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the reporting states Closed Date : is missing info to support. 
Account name : XXXX Account # XXXX
Consumer complaint received 2024-09-10
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. (CT)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-10
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. (MD)

I Called XX/XX/XXXXXXXX XXXX XXXX  asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy XXXX  XXXX XXXX Transunion Please Remove this Account Immediately as this is a Violation
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

I received a court summons to appear on court for {$3400.00} credit card debt from a collection agency in Colorado. I called the number on the summons I explained to XXXX that I never received a XXXX credit card. He told me that ( XXXX ) XXXX had been sold to XXXX in XXXX. 
I reviewed my emails and bank account transactions. I did have a XXXX card since XXXX and had paid through automatic withdrawals from my bank account. I had never missed a payment. 
Also, I explained that I did not receive any notification from XXXX and that there is no record of a balance. XXXX had no record of my credit card and that I wanted to know why the amount was so large. By going paperless, I am not able to retrieve the card number or the monthly statements Emails are the only source of communication with XXXX. The maximum credit granted to me was {$1500.00} and I had stopped using the card and wanted to pay it off XXXX told me that he could reduce the amount I owed to {$2300.00} and I must pay in one or three payments. I explained that I could pay {$250.00} a month to settle this debt. XXXX threatened me by saying you owe this money and reminded me of the court date. Another person came on the call and told me the only offer available to me to settle this debt was {$360.00} for 8 months, I reminded him that I did not have any statements and still needed more information. 

XXXX told me that this was the only option for me. So, I agreed to his terms Please let me know if this is a legitimate XXXX  legal process for a person in this situation. 

Thanks in advance for helping me. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLLECTION SVCS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$230.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. 
It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX