davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 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  {$760.00} 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

1. XX/XX/XXXX - Charged XXXX on a Care Credit Care pushed to me by XXXX XXXX XXXX in XXXX, NJ. The card was suggested to me immediately upon my first diagnostic visit. 

2. XX/XX/XXXX - Terms of the card were explained to last 24 month, 0 % interest for a XXXX payment. 

3. XX/XX/XXXX - First close of billing cycle. Card 's due date was XX/XX/XXXX. XXXX 's payment amount was XXXX. Subsequent monthly payment amounts have kept changing online.They 're always lower than XXXX. 

4. XX/XX/XXXX- XX/XX/XXXX - Filed a complaint with Synchrony Bank. Felt I had been racially profiled. This card was not pushed to white patients. Also, the terms of the card were not fully explained. I have since moved out of state and my teeth still aren't fixed. 

5. XX/XX/XXXX- XX/XX/XXXX - Called the company several times. Told them I wanted to make a complaint. Was told I would be emailed and received no response. Complained via email again ( online at company site ) and was told that the company had ruled in the dentist 's favor. 

6. XX/XX/XXXX- Received a call from XXXX in XXXX XXXX Relations ( XXXX ) ( Extension : XXXX ). She told me she would review charges to see if I could be reimbursed for anything. 

XXXX. XX/XX/XXXX - Faxed XXXX appropriate documents at ( XXXX ). She told me I could not send scans via email. I have not received a response back as yet, but I am filing a complaint because I don't feel this company is going to help me.
Consumer complaint received 2023-03-27
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. (GA)

Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA. 

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous. 

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TN)

1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-27
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. (MD)

XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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 Bureau violated my given right 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.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-08-21
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. (NJ)

I mailed my XXXX XXXX dispute letter on XX/XX/24 and they violated XXXX XXXX XXXX permissable purpose and they dont have any written permission to furnish my informatio ln according to the family education rights and privacy act XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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: JPMORGAN CHASE & CO. (IL)

XX/XX/ 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the JP Morgan Chase Credit department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called XXXX  to see if they was notified and the Chase credit department today to follow up about the letter but they hang up on me when I get to that point. Please step in
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

It is MOHELAs duty to be reporting correct and accurate information to XXXX on my credit report and file, however, they are NOT. MOHELA is reporting payment terms of 999 months to XXXX on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in MOHELA & XXXX violating my federally protected consumer rights. To add to this, I did NOT give MOHELA XXXX XXXX written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that MOHELA & XXXX have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-11-15
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 with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditor was XXXX. 
Account # : XXXX XXXX XXXX XXXX Account # : - XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX, personal XX/XX/XXXX XXXX XXXX, personal XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year> I wrote to Barclays Bank Delaware via USPS Certified Mail, " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section XXXX ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX XXXX XXXX ( section XXXX ). XXXX XXXX XXXXXXXX regulations require all debt collectors to send specific written documentation validating the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX  , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' Barclays Bank Delaware received my letter and signed for it at XXXX XXXX  on XX/XX/year>XXXX  ( see USPS Tracking printout attached ) and 30 days later, I received no reply. 

On XX/XX/year>XXXX  I wrote to Barclays Bank Delaware for the 2nd time via USPS Certified Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. 

I received a reply from Barclays Bank Delaware on or around XX/XX/year>, stating that this " account was ... sold to XXXX  ... as such... are reporting this account as " charged-off sold '' ... please contact XXXX  '', totally ignoring their violation of Federal law which compels them as a data furnisher to add a notice of dispute within the timeframe required by law. This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and US Attorney General can induce a correction of their behavior.
Consumer complaint received 2023-05-01
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. (CT)

Greetings, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account number : 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.

I CAN PROVE I WAS DISCOURAGED TO PAY WHILE IN THE DISPUTE PROCESS.

I CAN PROVE I WAS DENIED ACCESS TO THE ACCOUNT TO RETRIEVE DISPUTE UPDATES AND MAKE PAYMENTS. 

I CAN PROVE XXXX TOOK ACCOUNTABILITY FOR THE MISHANDLING OF THE DISPUTE. 

I CAN PROVE XXXX PROMISED TO REMOVE/ CORRECT THE NEGATIVE REMARKS. 

I CAN PROVE XXXX RENEGED ON THEIR ACCOUNTABILITY AND RESOLUTION AND WITHOUT MY CONSENT AND DECIDED TO CREDIT ME FOR LATE PAYMENTS VS ADDRESSING THE VERY DAMAGING AND INACCURATE REPORTING. 

I CAN ALSO PROVE THAT I WAS COERCED TO MAKE A PAYMENT ON XX/XX/31 AFTER I WAS LIED TO ABOUT CORRECTIONS THAT WAS SUPPOSED TO BE MADE AND THAT PAYMENT STILL DID NOT REFLECT ON THE REPORT. 

DESPITE MY FAMILY PURCHASING A VACATION RENTAL DESCRIBED AS MODERN W/ *PRIVATE* POOL & JACUZZI, I CAN PROVE XXXX FEELS THE HOST IS ENTITLED TO BE PAID ALTHOUGH THEY ILLEGALLY RECORDED MYSELF, HUSBAND & XXXX MINOR CHILDREN. 

XXXX XXXX ALSO WAS USED TO PAY FOR PART OF THIS BILL AND THEY DETERMINED THE OPPOSITE. 

XXXX HAS MADE ME A VICTIM OF THEIR UNFAIR PRACTICES AND POLICIES.
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

XX/XX/XXXX - Dispute collections reported line of credit for Conns amount {$19000.00} Account opened in XXXX. 

I did not open or apply for credit with Conns in XXXX. 
Explained this is not my account or my doing. 

Credit report was UPDATED to Closed Written off in XX/XX/XXXX. 

No one with Conns company will help clear this matter
Consumer complaint received 2023-05-01
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. (NV)

I purchased ( with Citi credit card ) some furniture from XXXX XXXX back in XXXX, XXXX. Was given delivery dates for this furniture. Merchant failed to deliver as scheduled, and after much back and forth, I cancelled the order ; never having received anything from this merchant. Merchant refused to reverse the credit card charge because they had no record of charging me ( later admitting this was their accounting error ). I then contacted my CC company ( Citicard ) and disputed the charge, with explanation. Citi initially removed the charge from my account. Over the past few weeks, a representative of the merchant contacted me via email and telephone and acknowledged the problem, and admitted that the merchant made errors in the transaction and they had no record of my credit card, despite charging me the full amount of the purchase. On XX/XX/XXXX, Citi notified me that their investigation was complete, and I was responsible for the charge. 

I have provided Citi with multiple documents outlining this situation, including my credit card receipt ( I was never invoiced for the goods ) and the email acknowledgement from the merchant that I am owed a refund. Despite this documentation, Citi refuses to honor my request for a full credit. 

I received absolutely nothing from the merchant, and as such I am deserving of a full and complete refund for the charge. I have spoken to numerous people in the " Dispute '' department at Citi over the past 2 days, they refuse to allow me to speak with a supervisor, and refuse to offer any further assistance with my issue. 

To restate, I was charged in full on my credit card for goods never received. Merchant has acknowledged the order cancellation, yet Citi refuses to reverse the charge ; in effect forcing me to be financially responsible for good never received.