davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-15
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. (GA)

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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against XXXX XXXX XXXX ( XXXX ) for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX  ) for reporting inaccurate information on my credit report. The information they provided " does not match data from other credit reporting agencies. '' XXXX has reported a debt that I do not owe. " Under the doctrine of estoppel by silence, I have not provided any evidence that Developer One owes any debt, and therefore, no such debt exists. '' XXXX 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : NCA is reporting inaccurate information. 
15 U.S.C. 1681i : XXXX failed to properly investigate my dispute. 
15 U.S.C. 1681e ( b ) : XXXX has not assured maximum possible accuracy. 
15 U.S.C. 1681s-2 ( b ) : XXXX did not investigate after notification of dispute. 

Their actions are causing significant harm to my credit. 

I request that the CFPB investigate and take action against XXXX for FCRA non-compliance and ensure the removal of the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NY)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Collection of XXXX reported on my credit report on XX/XX/2021 from Midland Credit Management that was the result of Store credit issued from XXXX XXXX  as a result of idenity theft. I never had any accounts with XXXX XXXX. My identity was used fraudulently.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2023-11-06
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: WELLS FARGO & COMPANY (CA)

The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and 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 an account without my written instructions.

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 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-09-15
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)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/year>, I was offered a loan in the amount of {$10000.00}, by a lender claiming to be XXXX XXXX. I was asked to provide my banking information in order for the lender to deposit the funds into my account at JPMorgan Chase. I was later contacted on the same day by the lender asking that I check my account to view a deposit made by the lender. When I checked the account, there was a deposit. However, the amount of the deposit was not the {$10000.00} amount agreed to. I was again contacted by the lender to send money to them to validate the loan by XXXX XXXX  When I attempted to comply to the lenders request, it didnt work, so I was told to send it by money gram, and afterwards I would receive the {$10000.00} loan directly into my account. I became suspicious at this point and contacted my bank to report possible fraud. I later learned that the lender had contacted my bank and after accessing my account, had payments I had made to several creditors and overdraft fees reversed back to my account as though the lender had made the deposits as parts of the loan that was offered. I then filed a fraud complaint with my bank and learned that in fact it was fraud, but because I used the funds, I was accountable for the debt. I still have no idea how the company ( XXXX XXXXXXXX ) was able to reverse any of payments to creditors and overdraft fees. I am requesting that this debt be released by the bank and my funds direct deposited after the fraudulent activity be returned to me, and my account reopened based on the fraudulent transactions and charges. If account information is needed, please let me know.
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (FL)

Synter Resource Group, LLC keeps calling XXXX XXXX XXXX XXXXXXXX XXXX XXXX to collect a freight bill that belongs to one of the mall merchants. We have explained to them numerous times on the phone and via email that they have the right property wrong address. The Management Office does not accept deliveries for any merchants and is not responsible for this bill. The bill belongs to XXXX XXXX  which had a seasonal store in the mall during the holidays. We have provided Synter the contact information of XXXX XXXX in order to pirsue collection of this debt and asked they cease and desist contacting this Mall Office regarding this debt- which they have ignored and is the reason we are now filing this complaint.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX I subscribed to a prescription medication from the company XXXX  The subscription was for a 180 day supply and my original receipt states that I had 170 days to cancel the subscription if I didnt want to renew it. 
On day 161 after my purchase, XX/XX/XXXX, XXXX improperly charged me {$190.00} for a refill that I did not want, and still had 9 days left to cancel. 
I contacted XXXX immediately on XXXX XXXX, to alert them of their mistake, so that they would not send the package, but they refused to refund me or stop the shipment, even though they ended up shipping it more than 48 hours later- so that had plenty of time to prevent this whole mess. 
On XX/XX/XXXX I filed a dispute with my credit card company. 
On XX/XX/XXXX my dispute was denied, and on the same day I reopened the dispute. 
On XXXX XXXX XXXX I called and spoke with a supervisor with Apple Card Support and went through my evidence who agreed that the merchant made an unauthorized charge on my card, and assured me that the investigator would receive my documentation. 
On XX/XX/XXXX my dispute was once again denied, and I reopened it on the same day. 
On XX/XX/XXXX I spoke with another supervisor who also went through my evidence and agreed the charge was unauthorized. She opened up a complaint and escalated it. I have not yet heard back from them even though someone was supposed to call me within 10 days. 
Yesterday, XXXX XXXX XXXX I received a packet in the mail explaining why my dispute was rejected, and its clear that whoever investigated my case, did not read any of the materials that I submitted.
Consumer complaint received 2024-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
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. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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)

I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX  acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted Experian, XXXX, and XXXX and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2023-09-15
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. (GA)

. I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?
Consumer complaint received 2023-11-17
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

In compliance with the Fair credit reporting act 15 USC 1681 section 602 a explains, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Early Warning Services is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6810 which says, It is the policy of the 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 non public personal information. Early Warning Services is a financial institution by definition under that title. 15 USC 1781 section 604 ( a ), section ( 2 ) states that, 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. Early Warning Services does not have my consent to furnish this information and they definitely dont have my written consent. Any and all consent to Early Warning Services, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a non-affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. Early Warning Services never informed me of my right to exercise my non-disclosure option. Also, 15 USC 1681 C ( 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 other than the records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, which is reporting without my permission ( which is against the law ). 15 US code 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 US code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Early Warning Services are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I would like to opt out of Early Warning Services.