davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (CA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Services is in violation of reporting account ( XXXX ) on my Consumer Report of 15USC1681 a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report for reporting excluded information - while violating 15USC 1681 ( b ) by reporting this account without my written authorization requested - without providing me with my disclosures requested as per USC 6802, giving me the opportunity to exercise my non disclosure option of Nonpublic Personal Information ; to OPT out of this inaccurate information being reported as per the Gramm Leach Bliley Act. 

I have given Nissan Motor Services more than 30 days to delete this account and they refuse to comply to get the matter resolved because they are in several violations.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I didnt Authorize the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

XXXX XXXX YEARS REFUSED TO PUT MY XXXX DEPOSIT TO MY XXXX  ACCOUNT, MY ACCOUNT WAS DEACTIVATED AND SUSPENED WITH SECURITY BREACHES AND YET STILL ALL MY MONEY WAS WITHDRAWN FROM MY ACCOUNT BY EVERYBODY, I AM THE VITUM OF THE CRYPTOCURRENCY PONZY SCHEME I WOULD LIKE MY DEPOSIT BACK ALONE WITH MY STOCKS XXXX XXXX PUT ON CASHAPP ILLEGALLY THANK YOU,... ..IVE TRIED OVER THE YEARS TO GET MY DEPOSIT AND MY STOCKS BACK FROM THEM NO HELP I HAVE WRITTEN YOU GUYS PLENTY OF XXXX XXXX STILL DIDNT GIVE ME MY MONEY ... ..YOU CAN REACH ME AT XXXX ONLY, NO EMAILS, VOICE MAILS, ARE TEXT MESSAGES PLEASE USE THIS NUMBER ONLY THANK YOU.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on Macys XX/XX/XXXX on XXXX XX/XX/XXXX XXXX XXXX  I did the claim for the other two news inquiries
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

I received a collections notice from XXXX  XXXX, XXXX for XXXX. On XXXX XXXX I sent a certified return receipt letter advising that I was disputing their claim. I also requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested a response to provide me with a list of items stated in my letter within 30 days from the date of receipt. I never received a response from my letter.

They are in violation of the Fair Debt Collection Practices Act and Defamation of character. They continue to report invalidated information to the three credit reporting agencies. I consider these actions fraud.
Consumer complaint received 2022-05-04
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. (IL)

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also State a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for only purpose.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DC)

I applied for a new loan through Rocket Mortgage and uploaded a lot of personal financial information to their website. I experienced difficulty working with the lender, including a non-responsive mortgage point of contact and unwanted solicitations, and decided to work with another lender instead. I contacted Rocket Mortgage to delete data, including my bank account statements, W2s, and other personal information, from my account and they refused. This is a completely unacceptable response and gross abuse of consumer privacy protections.
Consumer complaint received 2022-05-04
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)

5 years of requests and XXXX XXXX XXXX XXXX ( XXXX ) just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/2017 as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (UT)

Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.
Consumer complaint received 2015-06-25
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Gotham Collection Services Corp. (NJ)

This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.
Consumer complaint received 2022-05-04
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. (GA)

On XXXX XXXX I found XXXX XXXX XXXX  on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to 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 with the requirements of this subchapter.
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX. XXXX SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

On XX/XX/XXXX I made a balance transfer from my Citibank Diamond Preferred card to my husbands XXXX XXXX XXXX for {$7700.00}. It was an online electronic transfer but Citi chose to mail a physical check to XXXX XXXX. 

This payment was intercepted in the mail and cashed by someone using a XXXX XXXX bank account. We explained to Citibank that the payment never arrived in my husbands account. They said the check was cashed and we were responsible. XXXX XXXX asked for a copy of the cleared check to see where it went to determine if a mistake was made on their end. It took them XXXX weeks to provide that information to me. 

XXXX XXXX investigated using the cleared check from XXXX XXXX and they have concluded that the check never reached the intended address. Furthermore the check was cashed by someone using a Capital once account. If the check had arrived at XXXX Communities clearing house the check would have had XXXX XXXX on the back and not XXXX XXXX. XXXX XXXX does not do business with XXXX XXXX. 

I have contacted a lawyer and am currently pursing a lawsuit against Citibank. Just because they sent a check in the mail doesn't mean it arrived at the payees address. That can and will be easily proven in court. 

This situation is the equivalent of someone telling you that they are putting money in your bank account and that you will owe them money once the check clears. The next day you check your account and the money you agreed to borrow is not there but Citibank says you still owe them money. It is Citibanks due diligence to protect their customers against fraud instead they are trying to illegally profit from it. 

I have filed criminal theft charges in XXXX XXXX court against the owner of the XXXX XXXX account. Case # XXXX. That should be Citibanks responsibility and not mine but since they refuse to do their job I am doing if for them. 

My credit rating has dropped from XXXX to XXXX based on fraudulent reports from Citibank. I I will be suing for damages.
Consumer complaint received 2022-05-04
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. (TX)

The credit bureaus stated my account 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 is grounds 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 a account without any written instructions
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting act.This list of account below has violated my federally protected consumer rights to privacy and confidentiality under15 U.S.C 1681. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681Section 602A. States I have rights to privacy.

15 U.S.C 1681Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ) ( XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
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)

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  Account # 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 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 2022-05-04
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX COLL ) XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX FRSTINVST XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-04
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: Self Financial Inc. (FL)

An unauthorized account issued by Self Financial Inc. was opened on my behalf without authorization by a person offering credit repair services. Self Financial Inc agreed that the account is unauthorized and promised to remove it from all three bureaus. It was removed from XXXX and XXXX, but Self is refusing to remove it from XXXX despite written confirmation that they would remove it. The account must be removed from my XXXX credit report immediately!
Consumer complaint received 2022-05-04
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX CREDIT 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-05-04
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. (CA)

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 XXXXXXXX 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 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.