davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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)

This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( XXXX ) I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave XXXX, XXXX and TRANSUNION any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX, XXXX and TRANSUNION should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/2023 on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: W&A Intermediate Co., LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern Wakefield and associates you are reporting this collection as an open account which is not under fcra compliance this is inaccurate reporting and it needs to be removed immediately please send me a copy of my credit report when the above collection is deleted and has been removed
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint Against Experian, XXXX, and XXXX for Non-Response to Dispute Letters and Violation of FCRA Dear Sir or Madam, I am writing to file a formal complaint against the XXXX major credit reporting agenciesExperian, XXXX, and TransUniondue to their failure to respond and delete the inaccurate collections accounts to multiple dispute letters I have sent and their ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. **Nature of the Complaint : ** - I have submitted XXXX separate dispute letters over the past year to each credit bureauExperian, XXXX XXXX and TransUnionregarding inaccuracies in my credit report, specifically related to multiple collection accounts that I believe have been wrongly reported. 
- The dates of these letters are as follows : - First letter : [ Date of first XXXX XXXX  ] - Second letter : [ Date of second XXXX ] - Third letter : [ Date of third XXXX ] - Despite my repeated attempts and providing necessary documentation, I have not received any substantive response from any of the bureaus. Nor have there been any corrections made to the inaccuracies reported on my credit file. 

2. **Legal Grounds : ** - According to Section 611 of the FCRA, these agencies are mandated to conduct a reasonable investigation of the items in dispute, typically within 30 days of receiving a dispute. Failure to do so is a direct violation of federal law.

- Additionally, under Section 623 of the FCRA, furnishers of information are required to provide accurate and complete information to credit reporting agencies.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

On several occasions, including most recently on Tuesday, XX/XX/year>, I have informed Fair Collections & Outsourcing with offices at XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX that they are attempting to collect debt from a landlord tenant matter that is owed by XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX I have provided them with a copy of my drivers license showing my legal name and address with a letter explaining that theyre confusing me with a deceased relative with whom i share a similar but NOT identical name. Fair collections & outsourcing continues to verify this debt as valid without any basis to prove it or significant investigation. Ive proven to them its a matter of a similar name but they continue to violate my federal rights regarding consumer protection by reporting this inaccurate information on my consumer credit reports
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NC)

I dropped out around XXXX or XXXX, and I didn't realize after I drop out they are making me pay for the whole thing like I went the whole time. I didn't even go a whole semester. I wasn't learning anything, so I dropped out, and they charged me the whole thing. I don't think I should have to pay when I dropped out. My loan is over XXXX and I'm the only XXXXne working, my husband is going for XXXX. Im on a forbearance right now and interest it just getting added, making my loan even larger. My loan is through Nelnet. 
I hope you can help me with this situation.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

In XXXX of XXXX, XXXX XXXX began building a porch on our house. We tried paying him the final payment. We used our Barclays card. We tried using it but it kept declining the transaction. We had 5 temporary charges for XXXX and one charge for XXXX. I called Barclays and explained the situation. 4 of the charges were taken off as well as the XXXX but one charge of XXXX still remained. At this point, I could not reach XXXX XXXX and continued trying to locate him for 6 months. I assumed he had scammed us, and I was trying to seek fraud, or criminal charges ( I later discovered that he was sick and in the hospital. ) I filed a dispute at this time with Barclays in XXXX of XXXX. During this time, I provided Barclays with all the proof that the {$5000.00} was not owed to him. ( Cashiers check, Contract, There was also a charge filed against him through the Attorney General of Ohio so I submitted them the info as well ). 

Skip ahead to the Spring of XXXX, I finally was able to contact XXXX XXXX. He explained his situation about being sick, having major XXXX XXXX, and recovery. I explained to him my predicament with my credit card. He explained that he was called by Barclays while in the hospital in the Summer/Fall of XXXX. He told Barclays that we did not owe him the XXXX or the XXXX. I called XXXX and explained to them the situation. We had 3 3-person calls with XXXX where XXXX explained as did I, that XXXX was taken out of his account while the charge was in dispute with XXXX but XXXX the dispute was closed the charge was put back on my card. The charge is still on my account and when I called today, I was told that the case will never be opened again. 

Im out XXXX. I know Barclays can throw around money and XXXX is nothing to them. However, it is a lot of money for me. Ive spent countless hours on this dispute, taking days off of work to focus on this since the wait to be helped at Barclays is always long. The stress this has caused is beyond what should be experienced for anyone. Please help.
Consumer complaint received 2024-01-29
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. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX Bank # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Consumer complaint received 2024-01-29
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. (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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A
person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (DC)

I applied online for the XXXX XXXX Reward Mastercard from Barclays credit card. I received a letter in the mail from Barclays stating they needed additional information in order to process my request. They told me to mail them a copy of the front and back of the following documents : drivers license, social security card and bank statement. I called the company and told them I'd be happy to send them that information but I was not comfortable sending it through the mail because of the risk of identity thieves intercepting my information and asked if I could send it another way. The representative I spoke to said mailing the documents was my only option. When I pointed out to her the fraud risk, she said she understood but that they would only accept documents by mail. I asked her if I could fax or email and she said no. I believe the Social Security Number Fraud Prevention Act of 2017 prohibits the inclusion of an individuals Social Security number ( SSN ) on any document sent through the mail. I told them I wouldn't be applying for the credit card if I had to send my information through the mail. I don't need this credit card but I felt others could be taken advantage if I didn't point this out to someone. I hope you will work with the company to put in place other methods for getting this information. No other credit card I have has asked for information to be provided in this manner.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has come to my attention that accounts US DEPARTMENT OF EDUCATION XXXX & XXXX are at the 7 year Running of Reporting Period on my TransUnion Consumer Files. This is an Action for the Pre removal permanent Deletion due to Knowledge of 1st day of Delenquency and Collections status being at least 180 one hundred and eight days prior of being sold by XXXX XXXX, 2017. 
Pursuant to cfr 605 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 ) fcra ( 1681 ( a ) ( 4 ) ( 5 ) ( C ) ( 1 )
Consumer complaint received 2024-01-29
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to formally lodge a complaint against American Express ( AMEX ) for their improper handling of my Military Lending Act ( MLA ) benefits. As an XXXX XXXX member of the XXXX XXXX XXXX, AMEXs actions have denied me the protections and benefits mandated by law. 

I transitioned from XXXX to XXXX XXXX status in XX/XX/XXXX. Subsequently, I applied for an AMEX XXXX XXXX while on XXXX XXXX. Despite multiple efforts to verify my XXXX status, I was subjected to annual fees. I applied for relief under the Servicemembers Civil Relief Act ( SCRA ) multiple times between XX/XX/XXXX and XX/XX/XXXX, but my requests were denied on the grounds that my account was opened during XXXX XXXX, a decision I acknowledge is consistent with SCRA provisions. 

However, the critical issue lies with AMEXs application of the XXXX. In XX/XX/XXXX, I acquired an AMEX XXXX card, which was properly recognized for XXXX benefits based on verification from the Department of Defense ( DoD ) database. In stark contrast, my AMEX XXXX card, obtained in XX/XX/XXXX, was denied XXXX benefits despite my documented XXXX XXXX status. I have provided AMEX with a verification certificate from the XXXX XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX, confirming my XXXX XXXX status and XXXX eligibility. AMEXs refusal to reassess XXXX benefits for my XXXX card, citing a XXXX reassessment policy, is both unjust and contrary to federal protections afforded to service members. 

The XXXX guarantees certain protections that should apply uniformly to all my accounts, irrespective of when the reassessment request is made if the initial application was incorrect. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate AMEXs failure to apply XXXX benefits to my Platinum card. Specifically, I seek an order compelling AMEX to reassess and apply XXXX benefits to my Platinum card, retroactively waiving the annual membership fee and providing all other benefits mandated under the XXXX from my date of eligibility. 

Enclosed is my XXXX verification document from the XXXX dated XX/XX/XXXX, substantiating my eligibility. I trust that the CFPB will address this matter with the urgency and thoroughness it warrants to ensure compliance with federal law and the protection of service members rights. 

Thank you for your attention to this critical issue.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that both TransUnion and XXXX are reporting conflicting information regarding the " date last active '' for this account. TransUnion is reporting the date last active as XXXX, while XXXX is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. 

Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by TransUnion and XXXX is entirely unjustified and constitutes false reporting. 

Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. 

I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. 

I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Consumer complaint received 2023-09-18
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

I was lured into opening a store credit card account for NORDSTROM RACK due to some ongoing offers but never sent me the card. Later they charged for late payment and I paid everything off immediately. In that conversation, the representative was very rude and kept blaming me for their mistakes. When asked to allow me to talk to a manager, they responded, " We don't have a manager and we will note your complaint ''. Hence I asked them to immediately close my account. After three months I received a call saying that I was left with an amount of 2 dollars and I had to pay interest and late payment charges, I explained the whole issue, and she apologized and said I would close the account again and file a complaint. Again I was made aware that no manager can look after this issue. After 3-4 months I again received a call from them to pay off some small amount pending on my account and interest for it. I have recorded this conversation where they lightly said we will close the account and I am sorry for the inconvenience. I had never made a late payment in all my credit payments and due to this mishap, my credit score has dropped substantially which is also affecting me in my further financial endeavours. Kindly look into this issue and help me out.