davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TN)

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 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of conviction 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
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. (TX)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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'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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I opened a new checking and savings account with Chase Bank. After opening the accounts I transferred/deposited a total of XXXX to the checking account and deposited two checks, one for {$400.00} and one for {$500.00} into the savings account. The checks are payment for my employment. They ( Chase Bank ) stated that depositing checks into the new checking account was suspicious activity and they proceeded to restrict both the savings and checking account, stating they are unable to identify the legitimacy of the the checks. On a different phone call, I was told that the checks bounced and that was the cause for the suspicious activity but on another phone call later on, I was told that was untrue. I have no idea what is actually true at this point, I have no way to access the money in either accounts and they are now saying that they are going to close my accounts and mail me a check. From what I've seen online, this is a common occurrence and people rarely, if ever, receive the checks after the accounts are closed. The total amount that is currently restricted by Chase Bank is {$5900.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I received bill, XX/XX/year>, from XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MN XXXX, via XXXXXXXX XXXX XXXX, stating I owed XXXX {$300.00}. I called XXXX and they said I did not owe any money. I called XXXX. XXXX, XXXX, XX/XX/year>, and spoke to XXXX. I told this person this debt is not mine. I sent form provided by XXXX. XXXX, XXXX stating I want to dispute this debt because this is not my debt. I sent this form via XXXX XXXX XXXX XX/XX/year> via XXXX Mail, registered, return receipt with adult signature confirmation. I received XXXXXXXX XXXX XXXX  confirmation XXXX XXXXXXXX, XXXX received the form disputing their claim, XX/XX/year>.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me XXXX XXXX, to XXXX XXXX where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-02
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. (NJ)

XXXX XXXX XXXX XXXX XX/XX/2015 Experian failed to respond and failure to comply with the ftc for non compliance. The above reference account was removed from XXXX XXXX and XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-09
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-07
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: SYNCHRONY FINANCIAL (CA)

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. SYNCB/PPC XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-09-18
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. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (TX)

Republic Finance reported two XXXX  to XXXX identifying my account as unrecoverable. I was under a payment arrangement with XXXX when Republic Finance pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out Republic Finance reported my account to XXXX as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate tradelines on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the Texas XXXX because this company 's practices are attrocious.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Make multiple payment monthly on my citi card with no issue. Had a family emergency for which I needed to wire money. My last statement my limit was {$5000.00}. Made a {$2500.00} payment to perform the wire transfer. Once I made the payment on the XXXX of XXXX they would not let me complete the transfer and the reason they gave was because as soon as I made the payment they found it a great time to lower my limit to an arbitrary # of XXXX. Without any notice. When I called to inquire they hung up on me twice and then finally said that we decided on the XXXX to lower your limit and we sent out a notice on the XXXX. In order to stop them from basically taking my money I told my bank to stop payment and when that wouldnt work I withdrew the funds from that account. If credit card companies can operate with total impunity on their customers by lowering credit limits instantly without review than the system is completely upside down and Id rather stay in debt and take my cash off the grid. Credit is supposed to work for us not rob from us. But in the end I realize that the entire system for which our economy is based is really just a figment of imagination and can be deployed by the credit card companies however they wish.
Consumer complaint received 2019-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is XXXX and I just had my first babyboy almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Consumer complaint received 2024-03-09
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX **** Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was signed up for Capital One Walmart card, XX/XX/XXXX2024. I had no issue using the virtual card, before the hard copy arrived. In the process of the hard copy arriving, the mail delivery for my condos were being routed to the post office. I retrieved my hard copy and now my account is restricted. I have faxed over, my identification and my social security 3 times to capital one. Each time, they are saying they never received. They gave me until XX/XX/XXXX to send over my social or my account will be CLOSED. I have paid my account balance, even paying more than requested. My account shouldn't have ever been closed. I have other accounts with capital one that are fine. I have a deadline and Capital one representatives are all telling me different things. I need my account to be unrestricted, I have sent over the information more times than one. I have the copies. Thank you
Consumer complaint received 2024-05-21
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. (KS)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Experian XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Credit Score Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. On XX/XX/XXXX, my XXXX XXXX dropped from XXXX to XXXX. On the same day, I initiated several disputes and provided my FTC/IdentityTheft complaint. However, instead of my score returning to its original state, it further decreased to XXXX as of XX/XX/XXXX. 

I have diligently monitored my credit for over XXXX  years and have enlisted the help of expert credit attorneys and former credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms.

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed.

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits such as the {$22.00} XXXX settlement over similar issues. 

These actions by Experian constitute " False Credit Reporting, '' providing unduly low credit scores to my potential lenders. Notably, my credit scores with other bureaus are significantly higher. Relevant case law includes : - XXXX XXXX Experian - XXXX XXXX Experian Information Solutions , Inc., No. XXXX ( XXXX Cir. XXXX ) : The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- XXXX v. Experian : XXXX 's case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience.Experian acknowledges that emotional distress damages are recoverable under the FCRA. 

I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Note : - Experian was found to be in violation of the FCRA- I was unable to upload documents on Experian/XXXX  XXXX or in the Experian App. Do to the sight and app not functioning properly!
Consumer complaint received 2024-05-21
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-05-21
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 lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-21
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. (LA)

Seriously, it's been weeks since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXXXXXX Balance : {$210000.00}
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

XXXX deceived me, into signing up for a credit card with Synchrony Bank , which would pay for the work under the credit card. XX/XX/2022. 
I as an XXXX, XXXX individual, did not understand that he was signing up and authorizing a purchase on a credit card. 
I was never informed the plaintiff that he was applying for a credit card. 
Synchrony Bank authorized the payment of {$7500.00} charged to the credit card Synchrony Bank failed to inform me that I had signed up for a credit card. 
Synchrony Bank failed to inform the me of the {$7500.00} charge they authorized to XXXX . 
Synchrony Bank now, through its collections agents, has sought payment in the amount of the {$7500.00} charge on the credit card. 
I has since disputed and raised concerns regarding the account delinquency. 
Synchrony Bank has since reported the account delinquency to the national credit reporting agencies, causing a decrease in my credit scores, and causing distress to his financial position. 
Moreover, I contends that my signature on the loan documents was forged, to which I notified Synchrony Bank. Synchrony Bank failed to investigate said potential fraud, and I was both ignored and disregarded by Synchrony Bank. 
In connection to my disputes, Synchrony Bank failed to report to the credit reporting agencies that I was currently disputing the account delinquency that was reported in accordance with Fair Credit Reporting Act. 

Synchrony Bank through the credit card has caused damage to my credit report