davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the List of accounts below 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 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

Certainly!

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies.

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permis
sible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
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: LEXISNEXIS (TX)

Today, XX/XX/2024 I received a letter from LexisNexis through CFPB stating I did not provide identity information in my original complaint. I provided my SSN which is linked to LexisNexis and the internal case number with LexisNexis. I called LexisNexis regarding the email I received on XX/XX/XXXX claiming they could not verify my identity to file another complaint as I am FULLY verified. LexisNexis has my identity information. If you do not have my identity information how would the entity be able to comply with reporting information to XXXX XXXX XXXXXXXX? My original request stands, all invalid information in their system my be updated as soon as possible, I went through every page of inaccurate information on myself and my business with the rep from the business report sent to me that was sent to XXXX XXXX XXXXXXXX. XXXX parties providing ANY information to banks should be accurate at all times.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEMS INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-24
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: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2024 XXXX XXXX XXXX charged my Credit card XXXX. This amount was disputed by me at the State Employee Credit Union XXXX XXXX XXXX XXXX XXXX NC. They did not close the dispute properly. The credit card was closed for this disputed amount XXXX a provisional refund issued at a much later date other XXXX charges then appeared and on XX/XX/XXXX a new XXXX was added to the new issued credit card a second XXXX was issued on XX/XX/2024. XX/XX/2024 XXXX was reissued to the disputed closed card and it was opened by the bank. I have emails from XXXX XXXX showing all charges were to stop on XX/XX/2024. Due to bank error I am now being forced to pay a monthly reoccurring charge of XXXX due to the banks error with the original amount. Please correct these errors made by the bank. I am tried of being forced to pay XXXX monthly due to this error. I am tried of a closed card being reopened to charge me a monthly fee of XXXX and the errors made by the bank and visa in handling of this matter. Please help get this corrected!! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Dispute over monthly charges of XXXX with State Employees Credit Union a closed credit card and late handling over this issue. I have emailed the bank in question with all the facts and have clear records of the errors made by the bank in regards to this issue.
Consumer complaint received 2023-12-26
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)

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.

has violated my rights. Or a 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 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Steel River Systems, LLC (FL)

XX/XX/2023 Steel River Systems , LLC began contacting me via mail, text and phone messages concerning a credit card debt in the amount of {$15000.00} with XXXX XXXX XXXX that was " written off '' or discharged over 10 years ago. In that time, I have rented property, purchased cars and a home with no mention of this " debt '' on my credit reports, therefore, maintaining a credit score in the upper 700 's. It is my belief that this is a " phantom debt '' and Steel River Systems , LLC is a scam organization trying to take advantage of people and their information. I have sent a certified letter to Steel River Systems , LLC to let them know about their invalid claims of trying to collect on a settled debt and to stop all communications and contact attempts.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/24 at XXXX XXXX  EST, I received an email from SoFi Bank, which stated ; We take the safety and security of your account very seriously. In reviewing your SoFi Bank account, there appears to have been activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi Bank Deposit Agreement. 
For your protection your account has been temporarily restricted. We sincerely apologize for the inconvenience, but during this time you will not be able to deposit or withdraw from the account, transfer funds, or make purchases with your debit card. 

As soon as I became aware of the email at XXXX XXXX  the following day, I made multiple calls to SoFis customer service and security team, who withheld any and all information regarding the sudden account restriction. I was told that any information regarding my finances, including even a simple timeframe of when I could expect to receive information on any reasoning or decision regarding whether or not my account would remain closed. 

I fill none of the criteria laid out in SoFis terms to of been affected by such an account closure. I have no overdrafts on either my checking or savings account, there have been no unauthorized or suspicious transactions or activity, no breaches of my personal SoFi account, no mobile check deposits, and my recurring direct deposit transactions are all managed by the NYS Comptrollers Office and XXXX, as I am a military servicemember XXXX  on XXXX XXXX XXXX.
Consumer complaint received 2023-12-26
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. (MN)

It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-01-22
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. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-05-24
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: U.S. BANCORP (TX)

On XX/XX/XXXX I ordered a XXXX XXXX sewing machine form XXXX XXXX. I was told it would be about 2 months before it would be delivered. To date, I have not received my order. I have been in constant contact with XXXX XXXX. Each time I am given a timeframe of either next week or next month. I should have cancelled when it didn't arrive when advised. On XX/XX/XXXX someone at XXXX XXXX called and said it would be next week. Then they said it would be next month. They have continuously given me false information. I spoke to XXXX and told her I wanted to cancel the order. She said please don't do that. I told her that XXXX, the owner, needed to call by the end of the day or I would call USBank and cancel. I called at XXXX and spoke yet again to XXXX. Said XXXX was busy. I called back at XXXX- they close at XXXX. They would not answer the phone- they have caller ID. I left a message say to cancel the order, I would call USBank to cancel the order. I then called US Bank and explained. The rep said I was much more patient than she would have been. I received an email saying a conditional credit was issued. On XX/XX/XXXX I received a questionnaire from USBank for additional information. I then mailed it registered mail on XX/XX/XXXX. Tonight I received an email stating the conditional credit had been declined- to log into the account for further explanation - there was not message or explanation. So I called to ask why. They said that it was declined as the purchase was more than 2 months old. I told them they knew that when I called and filed the complaint. I was told there was nothing she could do. I explained that I was an excellent customer and never late, and even more, why didn't they tell me that when I filed the complaint. She again just said nothing she could do. I asked for management- she said no one was there- she would leave a message. 

Now I can't get my money back from XXXX XXXX as they won't even take my call and USBank won't issue a credit. 

I don't this is fair practice. USBank will have {$10000.00} of my money and yet I don't have the item. How fair is this.
Consumer complaint received 2023-12-26
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-05-24
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: Synovus Bank (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-26
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-12-26
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (SC)

I RECEVIED A COLLECTION LETTER DATED XX/XX/year> CALLED XX/XX/year> TOLD THEM I HAVE NEVER LIVED IN GEORGIA AND NEVER OF THE CITY AS WELL ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) THEY WERE SUPPOSE TO CONTACT THE APARTMENT COMPLEX AND GET VERIFICATION IT WAS ME. CALLED TODAY XX/XX/year> TO PDM DEBT MEDIATION THEY HAVE NOT DONE ANYTHING TOLD ME TO FILE THIS AND CONTACT LAW ENFORCEMENT BUT I AM IN SOUTH CAROLINA SO AFTER GETTING NO WHERE I CALLED THE APARTMENT COMPLEX MYSELF SPOKE TO A LADY NAMED XXXX SHE FOUND MY NAME THEY HAVE NO INFORMATION ON ME OTHET THAN MY NAME. THE EMAIL THEY HAVE ON FILE WAS NOT MINE THEY HAD NO SOCIAL AND NO COPY OF DL FOR PROOF THAT IT IS ME. SHE SAID IT WAS WITH ANOTHER PERSON XXXX XXXX I THINK WAS THE NAME SHE WOULD NOT REPEART THE NAME AGAIN AND BASICALLY SAID IT WAS NAME AND ALOT OF PEOPLE HAVE THE SAME NAME. I WANT THIS ACCOUNT CLOSED AND PROOF SENT TO ME THAT IT WAS BEEN DONE AND I AM GETTING NO WHERE WITH THE COLLECTION COMPANY AND NOW APARTMENT COMPLEX THEY BOTH KNOW IT IS NOT ME AND THEY DO NOT HAVE ANY PROOF IT IS ME.
Consumer complaint received 2023-11-30
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. (IN)

Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called Equifax and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.
Consumer complaint received 2024-06-27
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. (MI)

I recently reviewed my credit report and found that there are inaccurate accounts listed. I ask that you investigate each account lawfully and provide a detailed description of the investigation process. Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. The dates opened and closed on the following accounts are inaccurate and the amounts are inaccurate. You Can't provide the description of the investigation so remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX