davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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: Credit Karma (CA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX, GA XXXXSubject : Inquiry Regarding Discrepancy in Credit Inquiries Between XXXX and Credit KarmaDear XXXX XXXX I am writing to request clarification on a serious discrepancy regarding the number of credit inquiries reported between your service and Credit Karma XXXX When I checked my credit report directly on the XXXX website, my report indicates that I have no credit inquiries. However, Credit Karma shows that I have 15 hard inquiries on my credit report, which is significantly inconsistent with the information reported on XXXX own platform.The credit inquiries reported on Credit Karma are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and others.It is critical that my credit report reflects accurate information across all platforms, and I am concerned that this discrepancy might impact my creditworthiness.As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all consumer information they report is accurate, complete, and up-to-date. Additionally, the FCRA Section 611 requires that any dispute related to incorrect information must be investigated and rectified promptly.Request for Clarification and Resolution : Why does Credit Karma reflect 15 hard inquiries, while my credit report on the XXXX website shows none? What steps can XXXX take to investigate and resolve this discrepancy, ensuring that the information on both platforms is aligned and accurate? Please provide a detailed explanation of the source of these discrepancies, and whether there are any system errors or reporting issues that need to be addressed.I kindly request that you investigate this matter and provide a written response explaining the discrepancy and the actions being taken to ensure that my credit report is accurately reflected across all platforms, including Credit Karma.If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I received a notice of a suspension of my account. I called and was advised to send copies to secure docs of my license, ss card and bank statement showing address. I did and received confirmation of receipt within 30 minutes. I have called 10 times to get information only to be told to wait for an email first 48 hours then 72 hours, now no time frame. I contacted the housing bank Community and was told if could not get help call them back, they then would research the matter as they have several other complaints like this. My information address, phone email ect. have not changed since opening of this account. I have my SS direct deposit with you also. My rent is due with 4 days and I need my money freed up.
Consumer complaint received 2024-06-06
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-17
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)

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, stating, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is a financial institution by definition under that title. 

15 USC 1681, section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the furnisher of information to credit agencies, nor the consumer reporting agencies XXXX and XXXX, have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 

15 USC 1681s-2 ( A ) ( 1 ) ( A ) states, " 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 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i sent a notice of dispute dated XX/XX/24 to transunion llc they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to XXXX XXXX bank from transunion llc without my consent and XXXX XXXX XXXXXXXX bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already
Consumer complaint received 2024-07-29
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. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All is being investigated by the FTC and CFPB XXXX According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX, XXXX, Equifax XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX XXXX, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my XXXX  business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

Opened a Synchrony - issued secured amazon store credit card on XX/XX/XXXX. The card worked immediately for my first purchase, but then started to be declined by the issuing bank when I tried to make any additional purchases. Contacted amazon, they informed me I had to contact the issuer. I then contacted synchrony, they said it was an amazon error. Attempted this a few more times, getting bounced back and forth as both companies passed the buck, until finally deciding to cut my losses- I contacted synchrony later that day on XX/XX/XXXX and told them to close the account and refund my security funds deposit to my debit card. As shown in the screenshot attached, they attempted to claim that they were completely unable to process electronic transactions, despite having taken my deposit via debit, and could only possibly issue a paper check in 10-14 business days once the account was finalized closing. This would have allowed them to hold my assets for an inestimable period of time, while forfeiting no interest earned or written documentation of timeliness or procedure. I then called them again today, XX/XX/XXXX, and insisted on speaking to a supervisor after the first rep tried to make the same claim. I read them the specific lines of Section V. of the cardholder agreement provided and signed to open the account, also publicly accesible on the synchrony website, which gives ACH as an example of an " approved method '' of deposit returns, as well as paper check. It is also explicitly written in this section that the delivery may be stipulated by the cardholder of any such approved methods. The supervisor on XX/XX/XXXX then finally conceded the information that since the deposit is still a pending charge and was made electronically, it would be automatically returned electronically within 7-10 days. This felt like a dismissal and a callous attempt to get me off the phone, as synchrony has been unwilling to provide me any such notice in writing or otherwise documentable. They have already attempted to contradict their own expressly written terms, and are able to indefinitely profit by lending my funds elsewhere. The debit charge reversal required to satisfy this matter is absolutely a trivial function of any merchant account, and there is no excusable reason for a financial institution to be allowed to continue such predatory and exploitative practices without any accountability to consumers.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

Back in XXXX  of XXXX I resisted arrest at the XXXX XXXX police station. 
After this arrest I applied for a job with XXXX. 
I was denied the job with XXXX as they stated that I had on my background check the charge of drawing or exhibiting a firearm on the grounds of a daycare. 
These charges are false and incorrect and have severely limited my ability to gain meaningful employment. They also are defamation of character.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to access my credit report for 6 weeks. I am unable to login to my account and when I called 6 weeks ago, Transunion was supposed to send out the credit report. I never received it. I know I am supposed to be able to access my report weekly online through annualcreditreport.com and it tells me to call an 800 number.

I am not able to access my online account with Transunion either it will not allow me to access my credit report through my online account even after an indentity verification it tells me to call an 800 number. I just spent an hour on hold waiting for an agent. The online chat support person couldn't access my account to process a request for my credit report. 

The list of problems with trying to obtain my credit report is many. Now I am on hold trying to get to tech support to address the access issues on my report. 

I just want to access my credit report that is required by law.
Consumer complaint received 2024-05-08
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Both my ATM and credit cards have been compromised by false transactions involving questionable arithmetic in order to explain incorrect balances. 

These fraudulent transactions involved Account # XXXX, Account # XXXX, Account # XXXX ( # printed on card ), as well as Account # new replacement credit card # of which I have not yet received
Consumer complaint received 2020-04-14
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 — Investigation took more than 30 days
Company: American Enterprises International, Inc. (PR)

American enterprises illegally reinserted the account # XXXX in my XXXX, XXXX  and XXXX  credit reports. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX ) requesting validation made pursuant to the Fair Debt Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX ), requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XX/XX/2020 they sent a copy of statement that does not have any signature of mine after more than 30 days.
Consumer complaint received 2023-08-15
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. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: U.S. BANCORP (WI)

I applied for a quick loan for my business through US Bank I was denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud, and in violation of the equal credit opportunity act as well as the consumer credit protection act. Not quite sure why this keeps happening when according to title 15 United States code 1691 scope of prohibition there should be no reason why anybody gets denied for credit, Its unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. Subjectivities is prohibited under federal law.
Consumer complaint received 2024-05-07
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. (CT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.