davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

This account is closed and will need to be delete from credit report. In accordance with the Fair Credit Reporting USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-10-21
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. (AR)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company/organization. I believe these items are fraudulent, and I request their immediate removal and resolution. 

Set a reasonable deadline for the recipient to resolve the issue. This will depend on the urgency of the situation, but typically, allowing a few weeks for a response is reasonable. ] I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. I am asking for your immediate assistance to remove the items in my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

Hello Credit Karma freeze my account 2 weeks ago with my money from payroll {$1400.00} and now I cant find the way to pay my bills or rent, they been saying they dont have nothing else to say, they dont know when they sending the check back with the money or when they unfreeze the account, Im super worried about my kids and family, Im the only source of income we have.
Consumer complaint received 2023-11-13
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)

When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries 31 ( 1 ) EXPERIAN XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX ( 10 ) XXXX XXXX , XXXX ( 11 ) XXXX XXXX XXXX XXXX ( 12 ) XXXX  ( 13 ) XXXX XXXX XXXX ( 14 ) XXXX XXXX XXXX XXXX ( 15 ) XXXX XXXX ( 16 ) XXXX XXXX XXXX ( 17 ) XXXX XXXX XXXX ( 18 ) XXXX XXXX ( 19 ) XXXX XXXX ( 20 ) XXXX XXXX XXXX XXXX ( 21 ) XXXX XXXX XXXX ( 22 ) XXXX XXXX ( 23 ) XXXX XXXX  XXXX ( 24 ) XXXX XXXX  ( 25 ) XXXX XXXX ( 26 ) XXXX XXXX XXXX ( 27 ) XXXX XXXX ( 28 ) XXXX XXXX XXXX ( 29 ) XXXX XXXX XXXX XXXX ( 30 ) XXXX XXXX ( 31 ) XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

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 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 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (VA)

Chase bank recently sent me a new credit card as the one ive currently been using for years was reaching its expiration date displayed on the front of the card. 

Credit card Chase Freedom Unlimited Ending in XXXX The new one they sent does not process any new charges & the account currently reflects as closed. Furthermore, the new card that arrived in the mail is valid until XX/XX/XXXX which is just a few months after the previous card expires. 

Ive tried reaching out to them about the issue but have not received a response on the matter. 

Ive been a card member since XXXX and have never missed a payment. This is causing major delays and is discriminatory practices.
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of human trafficking and identity theft with Equifax and they are refusing to take my proof of being a victim of human trafficking. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both crimes. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit human trafficking documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Consumer complaint received 2023-09-16
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to on time and never late. 

Thanks.
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (PA)

Hi there, I am writing to express serious concerns I have. I was going through my email as I normally do each night and I noticed I received several emails from XXXX XXXX and XXXX stating I had a derogatory remark. I immediately went to verify if this was true and it looks like my credit score has dropped terribly. I am in the process of gathering information because I do not even know what credit was due nor was I ever notified. If I had simply been notified this would have been paid and prevented a time ago. At this point I have no idea who the creditor was or what was owed. I am extremely concerned and pretty upset. About a year ago I moved addresses and updated my drivers license so I would have expected any important mail to be sent to my current address. I have received nothing. Nothing stating any form of debt was owed. It is currently Friday at XXXX and I have not had any chance to call the collection agency and gather information. I am extremely sad from hearing this news. Please let me know what can be done and if there is anything I can possibly do to help.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX, Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( 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.
Consumer complaint received 2023-10-21
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. (AZ)

I would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX  ) 2. XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XX/XX/ ) 5. XXXX XXXX acceptance finance ( credit was run 4 times by this company XX/XX/ ) Transunion
Consumer complaint received 2023-05-17
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. (OR)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I currently have a credit card with XXXX XXXX XXXX  and is the XXXX XXXX XXXXXXXX XXXX ) credit card. I have had many issues with the credit card but the latest have been personal retaliation towards my credit card. I have no one to help me or advice me on this matter but let me further explain. Since I use this credit card for my everyday expenses the credit limit is XXXX XXXX. But is not maxed out and even though i always make between XXXX to XXXX dollar monthly payments I cant seem to ever lower my debt and my point or rewards never change either. I called them today to see why they always block my card as well as to ask them for a credit increase and the first representative denied me this information I am assuming this was cause she didnt have all my information available as she was located abroad. I asked for her to transfer me to a representative in the States as i knew they always have more information specially regarding my personal account and he did. The second rep was great and provided me with the date of my latest increase request and this is where the problem start. I requested him with his legal department as well as as an email where i could make a formal complaint regarding my credit reporting from them as well as i personally told him i believe they are not treating me fairly and he just provided me with a fax number that doesnt work as well as XXXX XXXX XXXX. Not even XXXX minutes have passed by when i get a XXXX point decrease on my experian credit report. XXXX credit card services have always decreased my credit score right after i make a complaint regarding the services they provide. I am not joking and you can check the times i called as well as when i get the experian notifications I even have proof of it on my phone. I am formally accusing XXXX XXXX XXXX XXXX of lowering my XXXX XXXX for complaining to them for irregularities they are doing to my account and this all include, payments i have made them not posting them, credit decrease for questions and complaints i have, not providing me with information i request, I also accuse them of not treating me as a regular customer and they always seemed to know who i am for some reason.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TrueAccord Corp. (MO)

Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

In addition, 15 U.S. Code 1681c-2 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 alle
ged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXXTrue Accord XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My problem is that paypal has been place a limitation on my account after i request to get help with a couple transaction. Id. de XXXX ) i try many time to made a payment and it was not been completed. i really feel sad with this situation when i always use my account in good way and now this happend. I just try to use my account couple time and that issue place alert to the system and place a limitation. 

after that this limitation was removed but the problem is happen again when i try to use a payment. 

will you please help to resolve the issue or call me to the number registrer on my account please. 

i think sometime the problem using my table can be cause by that.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-16
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. (SC)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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 2023-09-16
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. (SC)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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.