davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (IL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-02
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. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

XXXX XX/XX/2024 I received an email from Ally Bank indicating that a transaction was declined. No other information was provided ( to who, how much, nothing ). I contacted Ally Bank as soon as I received the email. I spoke to XXXX, at first she couldn't find anything either. So she did more digging. She finally got back to me and informed me that XXXX bank tried to cash a check I issued to them on XX/XX/2024 in the amount of {$840.00} there was sufficient funds at that time. I used to bank with XXXX and XXXX they always withdrew the funds from my account on the first and held the funds until XXXX cashed the check. I don't understand why Ally Bank does not do the same. I issued a check to XXXX on the first of the month as I always do and there has never been any problems. 
XXXX XXXX Ally is saying that because XXXX did not cash the check until the XXXX of the month the funds were no longer there ; I had to withdraw funds from my savings account and add more money. Money that should have already been withdrawn and held by Ally until XXXX cashed their check. I tried callng XXXX to let them know what happened but they were already closed. I'd like to know what Ally did with the money I mailed to XXXX on the first? Is this practice normal? Please advise. Thank You XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (MO)

I am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing. 

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I requested that Midland Credit Management : 1. Validate the debts in question and provide all necessary documentation.

2. Cease reporting these accounts due to the inconsistencies in the amounts reported across different credit bureaus.

3. Cease the practice of changing the status of the debt in a misleading manner and further damaging my credit.

4. Remove any re-reported debts that were previously removed from my credit report. 
Midland Credit Management has continuously reported inaccurate information Midland Credit Management has not verified or validated this debt Midland has not sent me any documentation to prove they have a legal right to say I owe them this debt nor any documentation I requested.

Midland Credit Management has ignored all correspondence from me Midland has been changing the amounts of the debt by increasing and decreasing the balance every month which is illegal.

Midland has also changed these collections to chargeoffs and then changed them back to collections to further lower my score
Consumer complaint received 2023-12-30
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 currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX  XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future. 

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it please.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SG and Associates (MS)

This company is breaking the law trying to collect on a debt that has past the statue of limitations and trying to impersonate law enforcement to get paid this company knows they are not suppose to collect or try to collect a debt more than 7 or 8 years old breaking the law and violating the fair credit act of all 50 states
Consumer complaint received 2023-09-26
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. (FL)

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 2023-12-30
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. (MI)

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted Experian, XXXX, and XXXX on XX/XX/XXXX  to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


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 Warm regardsXXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: VANDERBILT MORTGAGE & FINANCE, INC (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a business customer. We use BoA to pay bills, receive money and etc. We had initiated a wire at XXXX PST. They held funds til next day. There is not proper reason when the funds were available. They intentionally process transactions out of order and caused this transaction to be held.
Consumer complaint received 2024-05-21
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 ( account # XXXX ) Late payment error ( XX/XX/year> ) I was never late on this paid account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. It you can not supply this please delete these alleged late payment from my credit report per us 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

I recently opened a " high-yield '' investor checking account with Charles Schwab Bank expecting `` high-yield '' interest rates currently between 4.0-5.0 %. However, after opening the account, I noticed my interest rate to only be 0.45 %. When I called the bank, the representative I spoke to admitted that this was misleading and that they have since changed the name of this account to " investor '' checking. This is flagrant false advertising and fraudulent behavior. This bank should be investigated for false advertising!
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Dear XXXX, On XX/XX/XXXX, Eastern Time, around XXXX p.m., I received an email and notification from Chase Bank XXXX saying they had restricted my accounts and might close them soon because they suspected I was involved in potential fraud. They asked me to call them as soon as possible, which I did immediately. 

The first time, a female representative picked up the phone. I reported my situation to her, and she asked me to hold on for a moment to take a deeper look. I waited for about XXXX minutes but received no response, and she hung up on me. 

I tried a second time. A male representative picked up the phone, and I explained my situation again. After he got my account information, he simply told me that Chase Bank wanted to end their relationship with me without any explanation. I asked him to provide more information, but he refused and also refused to transfer the call to his supervisor. 

I decided to go to the branch in person on the morning of the XXXX. They still decided to end their relationship with me and wanted to take XXXX XXXX of the money out of my Chase Bank account, meaning I could only get back half of my own money, which is {$1500.00}. 

I have been using Chase Bank since 2016, and this is my first time facing this situation. I have always maintained my account responsibly and used it for legitimate purposes. I use Chase to pay tuition and rent, which is even more than what I currently have in that account. Recently, because of moving to a new location, I have been selling a lot of my personal second-hand bags, clothes, and furniture online. Many of these items were already sold, and the buyers sent the money to my Chase Bank account using XXXX. 

This situation is causing me significant XXXX  and inconvenience. I rely on my Chase account for essential financial transactions, and the sudden restriction and potential closure of my account without a clear explanation or opportunity to resolve the issue is deeply troubling. Additionally, the prospect of losing XXXX XXXX of my funds is unjust and unacceptable, as these are my hard-earned savings and proceeds from legitimate sales.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

On XX/XX/2023 I was issued a Social Security Number by SSA. 
Previously I was using ITIN issued by IRS to apply for credit. 

According to IRS " Once you receive a SSN, you must use that number for tax purposes and discontinue using your ITIN ''. 

On XX/XX/2023 I sent letters notifying that I was issued SSN and that it should be used from now on instead of ITIN. I attached copies of my new SSN card, previous notice of ITIN assignment and my current driver 's license. The letters were sent to the three major credit bureaus and IRS. I've also updated the SSN with all my banks and lenders. 

As of XX/XX/2023 XXXX and XXXX started using the newly issued SSN for my credit reports. All or most of my lenders should have started submitting my SSN for credit reporting too as of XX/XX/2023. 

But Equifax still refuses to update my SSN with the following explanation that I got by mail on XX/XX/2023 : " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY XXXX AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' Dispute confirmation number : XXXX. 

Over the phone on XX/XX/XXXX and XX/XX/2023 Equifax representatives reiterated that my Social Security card is not a proper SSN, but some sort of " worker ID '' issued for " work purposes only ''. They say it can't be used for credit reporting, because it says " Valid for work only '' ( as in " this social security number is valid for work only '' ). But the full text of a note on my Social Security Card says " Valid for work only with DHS authorization '', which means the opposite of what Equifax claims ( i.e. " this IS a social security number, but it is NOT valid for work, unless there's a separate work authorization from DHS '' ).