davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-29
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-29
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. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-30
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. (IN)

XXXX ) XXXX XXXX, XXXX Account opened XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX Account XXXX XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX : Opened XXXX Account Closed XXXX This is not my account- Identity Theft
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB XXXX XXXX XXXX XXXX XXXX concluded that the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The XXXX XXXX monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling XXXX XXXX every month for past 6 months to extend my lease. They told me every month that my account was fine.
Consumer complaint received 2024-10-30
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)

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.
Consumer complaint received 2024-03-31
Product: Credit 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: DISCOVER BANK (CA)

In XX/XX/2023, I was notified that my credit report had been obtained by three different lenders : XXXX  ( for XXXX XXXX XXXX credit card ), XXXXXXXX XXXX ( for XXXX credit account ) and Discover Bank. I immediately called all three companies to report that I did not authorize them to pull my credit and had not applied for credit with them, and requested that the inquiries be removed from my credit report and no credit issued. XXXX and XXXX responded promptly and did as I had requested. 

To date, Discover Bank continues to insist that I am responsible for {$2800.00} in charges and have come to the conclusion that all charges were conducted by me. The charges were all conducted New Jersey using my XXXX XXXX account. I have never been to New Jersey and my XXXX has never been out of my control. At this point, Discover indicates they have reopened the investigation after I contacted them. 

I have complied with all of Discover 's requests, including sending a comprehensive Affidavit of Identity Theft Victim Information report and a copy of the police report I filed. 

These charges were not made by me. I did not authorize them to pull my credit or to open an account. As of today 's date, they have reported the line of credit to the credit reporting agencies as an open credit card line of {$8000.00} and a balance due. I am very concerned about any negative impact to my credit. 

I have other credit cards with very high ( unused ) availability that have been in place for years. It would make no sense for me to apply for a card with Discover.,
Consumer complaint received 2024-08-03
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. (WA)

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX  XXXX Background : First Request : Submitted to XXXX  XXXX on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> after XXXX XXXX ignored the first request. 
Response : Both requests were denied and ignored by XXXX  XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX  XXXX. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. 

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information. 

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer. 

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

Ally Auto has now deactivated my account to the point I can't access the third party XXXX. Trying to force me to use the higher priced third party billers. I attempted to pay the {$5.00} today that they say I owe past due and now an error code comes up on XXXX has if I don't have an account. XXXX is a third part biller as well as XXXX XXXX and XXXX XXXX its unacceptable practice to almost bully your consumers into paying higher prices to send payments. I am prepared now to move forward with a civil complaint. This is a form of predatory lending. I guess they get a kick back if I used XXXX XXXX or XXXX XXXX.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX, Experian, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : 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  15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( XXXX, Experian, XXXX ) making the report . IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Consumer complaint received 2024-08-02
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. (CT)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-02
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. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I purchased XXXX XXXX and was offered a 2 year interest free loan through Comenity Bank/healthiplan. They accepted and processed my XXXX payment on XX/XX/2024 as it shows in my bank records. Comenity bank denies the payment was made and has charged me a late fee of {$40.00}. They will not accept the letter from my bank regarding the payment and insist on a photo copy of check as proof. No photo copies are made as they process paper check payments electronically. The check was mistakenly made payable to Healthiplan rather than comenity-healthiplan.
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (WA)

I was given XXXX {$250.00} gift cards, along with my wife, from XXXX XXXX after volunteering to take a later flight. 

The gift cards arrived with an expiration date of just six months after issuance ; they were issued XX/XX/XXXX, and expired XX/XX/XXXX. 

None of the four gift cards were ever used.

The cards are issued by XXXX, pursuant to a license from XXXX, and the value is to be forfeited if not used by the expiration date. 

Never in a million years did we think that the expiration date would be just six months after issuance. All {$1000.00} dollars were left unused. 

When we attempted to get our money back, the phone number provided by MyPrepaidCenter.com tells us to go to the website ; we can not contact a real person. The website will not allow us to enter in the card information, as the cards are expired. 

XXXX washed their hands of the matter, saying that they can " only assist with inquiries about the value of the Gift card or your Gift Card order status. '' We want our {$1000.00}. 

The card numbers are as follows : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX. 

We would like our money back, please. We are counting on the CFPB to do for us what we lack authority to do, to take the money that was given to us back. 

Thank you so much for your time.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX TransUnion refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores XXXX. 'TransUnion hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX  XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXX. XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove the following unauthorized inquiries from my credit report. 

Thank you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> CREDIT REPORT DISPUTE LETTER Dear Experian : I XXXX XXXX have written this letter to dispute claims that are falsely listed on my credit report with your bureau.I am requesting that the following hard inquiries be removed 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
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

I contacted Chime to verify that if I locked my debit card by not allowing transactions option, that my account could not be debited. They confirmed this, so I turned transactions off. But the following day, on XX/XX/XXXX hey allowed XXXX transactions to go through. XXXX for {$28.00}, and XXXX for {$46.00}. I contacted Chime multiple times from XX/XX/XXXX - XX/XX/XXXX requesting an immediate reimbursment of the funds. They flat refused, would not take accountability, and refused to escalate my issue to appropriate department. I requested the chat transcripts, and was refused these by a XXXX. Ive had chat transcripts sent to me recently, so I know they have the ability. They failed to protect my funds as agreed and refuse to accept responsibility.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.