davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (NV)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF NEVADA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE : XXXX XXXXXXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY COURT OF NEVADA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF NEVADA. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of Nevada for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus.

FCRA consumer laws state that if information can not be verified that it must be removed.

In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED.

4. A METRO 2 COMPLIANCE LETTER HAS BEEN SENT TO XXXX XXXX. A XXXX COMPLAINT HAS BEEN FILED.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I simply have had no luck obtaining any copies of my credit reports from any of the three credit reporting agencies. I am submitting my drivers license to verify my identity. I would appreciate having each credit bureau mailing out my free annual copy to my home address. XXXX XXXX
Consumer complaint received 2024-09-15
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (LA)

In accordance with the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I kindly request that you review and correct the following inaccuracies in my consumer report to ensure the accuracy of my consumer information.

Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] emphasizes the importance of maintaining precise records.
Consumer complaint received 2023-10-28
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an 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 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-07-26
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: PRESTIGE FINANCIAL SERVICES INC (IL)

l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), ( inquiry : XXXXXXXX XXXX XXXX ), ( inquiry : eXXXX XXXX XXXX XXXX ), ( Accont : Prestige Financial Auto ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a week ago I noticed a ACH transfer from my business bank account to XXXX XXXX for {$300.00} on XX/XX/XXXX. Which wouldn't normally think was strange because we have an XXXX card that we make payments on frequently, but I remembered seeing a transfer to XXXX for {$400.00} on XX/XX/XXXX. Then I looked deeper and found another {$300.00} was taken out on XX/XX/XXXX. Then I searched my account for all XXXX XXXX transactions, that showed XXXX unauthorized transactions that total around {$26000.00}. The address for the transfer ( ID : XXXX ) is the same for the unauthorized transactions and the authorized transactions, so the money was sent to XXXX. I contacted my bank and XXXX XXXX. My bank said they would investigate it and could have the funds back to me in 10 days. Then I called a few days later to check back on my claim and they said they had no record of my claim and after I gave them the information again they said to expect to hear something in 30 days. Today I called for an update and again they didn't have any idea what I was talking about and had to give them the information again. This time they said it would take at least 60 days till they even start an investigation. I'm a small business and this missing {$26000.00} could put me out of business before the 60 days. XXXX says they have no record of the transactions and says it's the banks issue and not theirs.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter requesting the assignment contract and a wet signature for debt validation Certified mail, and after more than 30 days, I was ignored. According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permissionXXXX XXXX XXXX DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. Our personal information isn't supposed to be shared by a third party. by law No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies. According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and concern with the way my numerous attempts to rectify a late open account on my credit report have been handled. Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. 

This late open account is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. 

Despite my continuous efforts, the late open account remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the correction of this issue, I also request that the credit bureau provide a written statement outlining measures taken to prevent the recurrence of such inaccuracies in the future. This is vital to safeguard my credit and ensure that others do not experience similar challenges. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to correct this issue and seek damages for the financial harm caused. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4600.00}.
Consumer complaint received 2023-10-28
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. (FL)

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.

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 inructions 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 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

When I used my XXXX app to pay off my credits, Bank of America doubled charged me on XX/XX/2023 for {$500.00} * XXXX. I asked BofA to check the transaction, but they asked me to contact XXXX. It's obvious BofA 's fault to deduct the same amount of money twice in my account.
Consumer complaint received 2023-10-31
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SERVICEMAC, LLC (NJ)

I am filing this dispute regarding a fraudulent account reported by ServiceMac on my credit report without my knowledge or consent. Additionally, ServiceMac failed to provide me the legally required opportunity to opt out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This unauthorized disclosure of my information constitutes identity theft against me, as my personally identifiable financial information was shared without my legally obtained consent. This action violates my rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates that consumers must be given the right to opt out before their information is shared with non-affiliated third parties. 

This situation also breaches the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which stipulates that information on consumer reports must only be accessed or shared for permissible purposes and with consumer consent. The unauthorized dissemination of my information for a fraudulent account, without providing me an opt-out opportunity, disregards my FCRA rights. Furthermore, 15 U.S.C. 1681e ( b ) of the FCRA requires consumer reporting agencies to establish reasonable procedures to ensure maximum accuracy in reporting. The presence of this unauthorized account indicates a failure to comply with these procedures.

In addition, this situation violates New Jersey 's Consumer Fraud Act ( CFA ), N.J.S.A. 56:8-1 et seq., which prohibits creditors and financial institutions from engaging in deceptive and unfair practices that harm consumers. By failing to provide me with an opt-out option and reporting a fraudulent account to my credit report, ServiceMac has engaged in unfair practices that have caused both emotional and financial harm. I request an immediate investigation into this matter, the removal of the fraudulent account from my credit report, and enforcement of my rights under federal and New Jersey laws to prevent further unauthorized use of my personal information.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The consumer reporting agency, EQUIFAX XXXX, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022, did EQUIFAX INC. investigate to verify this information to be true? 

XXXX XXXX XXXX received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EQUIFAX INC. assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EQUIFAX INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX - A credit card was opened in my name by someone other than me who was in possession of my personal information. I never received the card or any statements. When I learned of this identity theft in XX/XX/XXXX, I immediately reported it to Citibank, attempting to fix the situation. I spoke with Citibank at least a dozen times over a several month period. I sent a police report which documents the identity theft as well as the FTC report. I also filed with the Washington State Attorney General to no avail. I requested the credit card application on several occasions since Citibank told me I was responsible for the balance. They refused to provide it. I ultimately had to have a lawyer subpoena it. It proves I did not open the card. Over the months I attempted to work with Citibank, there were a series of errors with customer service ( closing cards and sending new ones, reporting the wrong card as identity theft ). I ultimately hired a lawyer to support me in handling this identity theft. We filed legal paperwork against Citibank at the beginning of XXXX. I just received a summons that Citibank filed against me. 

I never applied for this card. I never received this card. I never used this card. Citibank 's failure to validate identity is the single reason this card was able to be opened in my name without my knowledge. Citibank failed to follow the guarantees for identity theft they posted on their website.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have been a customer in good standing for several years with Lowes/Synchrony . During the holidays I was late on a payment for the Lowes/Synchrony store card. I asked for a late fee waiver. I was denied. I stated I would cancel the card if I was going to have to pay a late fee. I paid the next two statements to make sure all items from Lowes were paid for. I refused to pay the late fee. After all items were paid, I cancelled the card. After cancellation I continued to get statements. Each one had another late fee and interest. I contacted XXXX XXXX XXXX and attempted to reach a compromise. The only compromise they were willing to accept is full payment of late fees and interest. 
My credit score has gone from XXXX to XXXX. I was told by Synchrony regardless of if I paid all fees that my credit score would remain at XXXX till XXXX. 
I paid for everything I bought. The late fees are inappropriate after I cancelled the card. I reached out to them in good faith to reach a compromise. They ignored me in attempting to settle under any less than their terms. 
I would like my credit score back to where it was before this happened.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.