davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-08
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After looking over my consumer report I've noticed that Experian is reporting a XXXX My question to Experian is who gave them information on this XXXX and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. It's fraud to obtain and share my personal information without the proper authorization from me or the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Experian to provide me with their source for obtaining the information on my XXXX and written authorization from the courts given to Experian. Included in my complaint is a copy of my dispute letter to Experian.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEMS ( Original creditor ) is what is listed on my credit report with a balance due of {$13000.00}. I was unaware that from my previous complaint submitted with CFPB, they sent in the ( lease ) that does NOT show any proof that I owe that company. They also sent in a document with fraudulent charges that were typed probably from the comfort of their home. WHERE are the documents? anyone can send in an itemized list. WHERE IS THE PROOF bc those are fraudulent charges? Texas Rents were responsible for those rents being paid. That was a government fund for those unable to pay due to the XXXX pandemic. this mess has been sitting on my credit and it should not be. 

Could you please have these fraudulent charges struck from my credit report. 

Thank you in advance XXXX XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (RI)

Citibank is " inaccurately '' reporting information to all three credit agencies. They ( citibank is in direct violation of the laws below : - 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

ATTACHMENTS : Second 2 Attachments : XXXX Report Dated XX/XX/XXXX You will see 2 arrows. Below will have the description of what the arrows are pointing to just to clarify what is being inspected for the purpose of " reinvestigation. '' - Arrow 1 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was 120 days late - Arrow 2 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was also 120 days late. ( That alone is inaccurate ). 

First 2 attachments are the XXXX reports XX/XX/XXXX - On the XXXX report Citibank is reporting that " XXXX '' is on time and that XXXX, XXXX and XXXX are late. 

Again, none of the payments are even late.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts :, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

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 any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate 15 U.S.C. 1681i ( a ) states you must complete the reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-05-24
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. (FL)

The credit bureaus stated my account was properly investigated but how is that possible when the open date is inaccurate, the last date is not accurate, the payment history is empty and inaccurate and no validation of any accounts requested have been mailed to me. 

I am saddened that my rights were violated as a consumer over and over again under : 15.U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2. Also states a consumer agency can not furnish an account without my written instructions. 

I have been suffering for decades due to " bad '' credit history. I have been profiled, label and denied funding due to what is reported on my credit report. Life has been hard. It is heartbreak to find out, that this is not of my doing but the lack of accurate research on the part of the credit report before furnishing anything under my name. Attached you will see that no accounts have any accurate information which is mind-blowing. I am reaching out as a frustrated and fed-up consumer determined to get answers.
Consumer complaint received 2024-08-16
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$0.00}
Consumer complaint received 2024-08-16
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-18
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: GOLDMAN SACHS BANK USA (NV)

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.
Consumer complaint received 2023-10-18
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (NJ)

Can you delete these accounts because they are negative and are not mine? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have had an account with Synchrony Bank since XXXX. Made my payments on time, paid almost XXXX in XXXX, leaving like a XXXX or XXXX balance. When I did that they dropped my credit amount to XXXX. I even disputed the credit amount in writing but it was denied. I ended up paying it down to XXXX about XXXX to 4 months ago, then paid it off. Now they have closed my account. I have an appointment XX/XX/XXXX with my dentist to get some work done, was going to use the card to do this because its a little expensive. Also, my credit score dropped XXXX points with XXXX due to this account being closed. I am currently trying to build my credit so we can purchase a house. This has definitely took that chance away at no fault of my own. I feel like I have been singled out, there are millions of people with these cards, as soon as I paid it down to XXXX they lowered my credit amount to that. Then when I paid it off it wasnt no time after that they closed my account. I dont have any revolving accounts, my house was sold and that loan is paid off, my payment history is 100 % with my credit cards, and actually my credit score was XXXX when they closed my account, now its XXXX. Like I said, I was singled out for no reason.
Consumer complaint received 2023-05-24
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: SYNCHRONY FINANCIAL (MS)

I was charged for merchandise/subscription service on my Sams Club World Elite MasterCard that I did not authorize from a merchant I never did business with on XX/XX/2023 {$5.00} and XX/XX/2023 for {$89.00} and filed a fraud compliant with the issuer of the Card ending in # XXXX. The charges were transferred to my new card ending in # XXXX. The merchant issued a credit on XX/XX/XXXX, XXXX but sams club ( synchrony Bank/Sams Club ) has continued to bill my account ( XXXX different time ), for the amounts in question even though it was credited back as a result of fraud. i Have called several times and spoken with representatives that have " NOOO '' knowledge of financial accounts and I have gotten no where with them doing the right thing and making the right adjustment ( s ) to my bill. IT says I owe {$110.00} when in actuality I should only owe {$28.00}. See attachment ( s ) as proof of my complaint. Synchrony Bank keeps charging my account every day for the same amount even though it was proven to be fraud on the merchants part... ..The representative on the phone are not too customer friendly nor do they have the knowledge needed to speak to me about the problem, all they want to do is argue and show disrespect and I have never been late on a payment. The customer service is lousy to say the least.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.
Consumer complaint received 2020-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

A cashier convinced me to get a XXXX XXXX department store card to save money on a purchase. Against my better judgement, I did. I forgot I had the card until a late payment showed up on my Experian credit report on XX/XX/2019. I moved twice in 2019 and didn't receive the bills in the mail as XXXX XXXX has an old address on file. On XX/XX/2019, I paid the XXXX XXXX card off. A total of {$280.00}. 

Before this, I have never made a late payment in my life. Nevertheless, my FICO score dropped 79 points. This is a crushing blow, considering I just started building credit aprox. 10 years ago. 

I opened a dispute with Experian. They closed the issue, but would not tell me the outcome of the investigation or what will happen next. I also contacted their dispute center directly via the phone. The first representative asked me to upload documents at experian.com/upload and said he would not be able to supply any other information. The upload web page did not work, so I called second time. The lady told me my documents had to be in black and white, to clear my cache/cookies, and had to be less than X amount of MB in file size. She would not hold while I converted the documents to black and white and asked me to call back with any problems. I received the same error message the second time. I called a third time. The third representative told me I would need to mail the documents via USPS. 

I also contacted XXXX XXXX to come up with some sort of arrangement. In short, they told me I needed to write a letter to the Credit Administration as they have no phone, email, fax or website. 

Everything was paid off. This was a simple oversight. I make plenty of money and the charge was only for {$280.00}. I have never been late on anything in my life. How can my credit score ( which decides whether I can buy a car, a home, etc ) drop 79 points because of something so small. I feel they are making it impossible for me to correct a minor mistake I will mail the letters and any supporting documents, but I doubt I will receive any form of resolution from XXXX 's or the credit bureaus.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TX)

I have a RoarMoney lion checking account # XXXX with routing number XXXX set up where my direct deposit comes in from my employer XXXX XXXX XXXX XXXX. I made another deposit from my XXXX account in the amount of {$7800.00} on XX/XX/XXXX using my Moneylion card ending in XXXX connected to my checking account ending in XXXX to make the deposit. The customer service rep said this flagged my account and they have restricted access to my account since XX/XX/2023, and I have provided several screen shots and XXXX statements proving that the XXXX account is valid, and the money was deposited by me. 

I asked that they close my account and refund the full balance of over XXXX in my checking account ending in XXXX or give me back access to my money. This is a criminal act they are committing restricting access to my own checking account because of one valid transaction done by me. I have also made many purchases from my Moneylion card ending in XXXX connected to my checking account ending in XXXX from my XXXX account. Obviously, these people use no common sense and also what right do they have to deny me my own money because of a single transaction that is my own account regardless of one single transaction.