davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (NJ)

THIS IS NOT A DUPLICATE COMPLAINT. IT IS A FOLLOW UP WITH ADDITIONAL QUESTIONS. 

IN MY PRIOR COMPLAINT XXXX, TD BANK SAID THERE WAS A SERIOUS DELINQUENCY WHICH LED THEM TO REDUCE THE CREDIT LIMIT FOR MY ACCOUNT ENDING IN XXXX. THERE IS CURRENTLY NO DELINQUENCY WITH ACCOUNT XXXX. I DEMAND TD SPECIFICALLY STATE WHICH DELINQUENCY IS BEING REFERRED TO. THERE IS NOT EVEN A BILLING ERROR DISPUTE FOR ACCOUNT XXXX AT THE MOMENT. 

MY CURRENT CREDIT PROFILE LISTS VARIOUS DISPUTES WHICH ARE STILL IN PROGRESS, THERE IS ALSO A SECURITY FREEZE AND AN IDENTITY THEFT ALERT IN PLACE WHILE THESE ISSUES ARE BEING RESOLVED. 

TD CLAIMS THEY ARE REQUIRED BY LAW TO REPORT TO THE CREDIT REPORTING AGENCY HOWEVER THAT IS FALSE.

ACCORDING TO THE LAW : 15 USC 1681a ( 2 ) ( B ) : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. A credit card is defined under the Truth in Lending Act or 15 USC 1602. In Definitions and rules of construction, the law clearly states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

ALSO ACCORDING 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I repeat and reiterate that I NEVER gave TD or any other agency written permission to furnish information about this account on my consumer credit report. 

In USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. 

So, the law states that transactions or experiences between the consumer and the person making the report in this case TD are not supposed to be included in a consumer report, so TD is not obligated to report anything about account XXXX. 

TD 's violations are excessive and lead way to civil liability against under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.
Consumer complaint received 2024-01-19
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)

n accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX Account name-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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute to XXXX XXXX via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. XXXX XXXX was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX American Express sent me an email saying theyre going to lower my credit limit if I dont pay XXXX to them within 3 days. Saturday XX/XX/XXXX I called and paid XXXX as I had just paid XXXX on the XXXX. I was reassured multiple times my account will remain with the current credit limit And they will not lower my limit. On XX/XX/XXXX I received an email stated they lowered my Limit after insisting they wouldnt. I called that day and they said theyd investigate as it was an error on their part and call me back in 24-72 hours. Today I called and theyre saying Monday or Tuesday next week. This affects my credit rating and theyve caused me major issues as paying almost XXXX to them all at once as well was difficult.
Consumer complaint received 2023-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

The account XXXX Has been submitted for review by mail. Upon reviewing the report today XX/XX/23 the account is showing as normal but I have not received any status update. This same account has undergone an investigation with all 3 bureau and was found not valid with XXXX. I am requesting a follow suit for it does not show accuracy across the 3 reports. I am asking that this account be removed from my credit report IMMEDIATELY.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (MN)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Credit reporting, credit repair services, 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. (NY)

These inquires below I don't recognize and are fraudulent XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (PA)

Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Today Credit Cards $ Loans Money 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 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian is reporting XXXX XXXX XXXX XXXX as foreclosure. Deed in Leiu of foreclosure was filed as instructed. As well, this timeshare was signed while on vacation and intoxicated making contract invalid.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
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. (TN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CA)

I received a copy of the condition report and the amount due on a lease from Chase. There was NO damage to my car except the pitted windshield claim for {$20.00}. I am appalled that they can lie and add these charges since they probably think no one will complain. I dropped car off at a XXXX dealer and there was NO damage as they claim. Additionally if they claim that I did not do the voluntary pre-inspection, they made this impossible to scheduled for a full time working single mother. They should be liable for these lies. 

Additionally - It does not cost {$350.00} to fix a " light scratch '' and please see the other charges in the attached paperwork. The prices are outrageous and NOT in any paperwork I signed.
Consumer complaint received 2023-07-28
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: CITIBANK, N.A. (MI)

AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT XXXX, XXXX. Original creditor : XXXX XXXX XXXX XXXX Contact info Name XXXX, XXXX. Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.
Consumer complaint received 2015-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC (PR)

I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.
Consumer complaint received 2024-04-08
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. (SC)

Account # in Dispute : XXXX I have asked for 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. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers 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 ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXXXXXX XXXX XXXX attachment is before the reinvestigation** *XXXX XXXX XXXX  attachment is after the reinvestigation**
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NY)

As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

I SET UP A XXXX  PAYMETS OF XXXX XXXX {$1200.00} ( XXXX XXXX  MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR BARCLYS BANK REF # XXXX BARCLYS IS NOT ACCEPTING THE SATTELMENT THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED ME
Consumer complaint received 2023-04-27
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX Bank XXXX Resurgent Capital Services both Breach the arbitration agreement that was originally agreed by XXXX XXXX XXXX XXXX XXXX Bank, both companies sold and shared my inform Without any consent or notice of being sold by XXXX XXXX Bank. Attached is proof of Resurgent admitting that they purchased the account from XXXX XXXX Bank and proof of arbitration that was breach by XXXX XXXX Bank XXXX Now subject to Resurgent Capital Services.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (IN)

I want to make a truce with Goldman Sachs over this mess they have put me through since XX/XX/2022. I dont agree with them and I know how many disputes that were resolved in my favor and it was fraud. My nerves can not take anymore of this I just want to be done with it. I have never filed a dispute in my life and I am XXXX XXXX XXXX and have had charge cards for a long time. I also have never sued anyone in my life and dont think I could get through that without having a breakdown. You do owe me and you are in the wrong but I am done. I just wish you would have looked at what I sent and you did not. You didnt even attempt to compromise on anything that I asked. I did get that independent audit of my account and the numbers are correct with what I sent you! You do owe me {$17000.00} + but I cant take anymore of this. If you could at least take care of those last 5 disputes so I dont have to worry anymore about it, that would make me happy! 

I have money so the loss of the money wont hurt me, I just dont like being taken advantage of.or have the feeling that you dont believe me. You wouldnt even admit to the {$1000.00} charges and there were 13 of them. I have the receipts for those and so do you and they were resolved in my favor and never credited to my account along with those several {$530.00} ones. 

You have a lot of work to do to make your charge card operation work. Your managers and others need a class to help them deal with customers.The wait time to take care of your customers needs a lot of work. I will never have another charge card from you thats for sure. 

Its not in me to be so hateful but you made me so mad. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We XXXX  have big hearts and love what we do! So my apologies for being so rude. My son-in-law is a XXXX so I know my rights and I know I have enough evidence to use against your bank but I cant do it!! I just want it over with. Its been a nightmare for me!!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and Equifax, XXXX and XXXX all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.
Consumer complaint received 2023-08-02
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: AMERICAN EXPRESS COMPANY (GA)

I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a American Express. I have had cards where a business used my information to open the cards. I have sent Amex that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.