davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (FL)

THESE ACCOUNTS WERE OPENED ILLEGALLY WITHOUT MY CONSENT. I NEVER SIGNED A CONTRACT WITH ANY OF THESE COMPANIES. 
XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXXxxxxxx XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$6200.00} 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 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.

15 U.S.C. 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that is from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 90 days and you are in violation of the law because I am a victim of identity theft!
Consumer complaint received 2024-05-15
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. (OR)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2023-05-04
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: The CBE Group, Inc. (DC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. 
it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Consumer complaint received 2024-05-16
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. (TX)

I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information.

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " 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 nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " 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. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( 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 : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, XXXX CFR XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-16
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. (IN)

This account was opened on the following date : XX/XX/year> There are no on time payments from XX/XX/year> to XX/XX/year>. This is inaccurate payment history reporting. I should have active payments XX/XX/year> to XX/XX/year> this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experien failed to investigate this account properly after! repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX
Consumer complaint received 2024-05-16
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of erroneous reporting. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts, and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-15
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. (PA)

XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (OK)

A {$24.00} charge from Experian was ran on my debit card ( XX/XX/XXXX ) that I had with XXXX XXXX XXXX  in XXXX XXXXXXXX. I went in to the bank on XX/XX/XXXX and requested to file a claim on the charge as I did not authorize it. They told me they would cancel the card and issue a new one. I requested a refund at the time, and have called the bank several times since and have not gotten a response. I get transferred to different departments and asked to leave messages for employees that do not return the calls. If I authorized the charges they should at least show me proof of it. On XX/XX/XXXX I was charged again {$24.00} on the new card that the same institution issued after I had made them aware to not allow any other charges from Experian.
Consumer complaint received 2024-05-16
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

I called my mortgage company ( BSI Financial ) to inquired about the process to request a review of my mortgage to have my PMI removed in XXXX of XXXX. The representative I spoke with on at this time told me that I would need to procure an appraisal on my own and submit it to BSI for the request. She also told me that since I had refinanced within the last two-years that I would need to wait to submit my request until two-years had passed since my refinance, which would be in XX/XX/XXXX. 

So in XXXX of XXXX, I contacted a local real estate home appraisal firm in my area and paid {$400.00} to have an appraisal done on my home. Once I received the appraisal on XX/XX/XXXX, I submitted online it to BSI. When I called to speak with a representative on XX/XX/XXXX about next steps, I was told that they had changed their process, and now PMI removal requests required BSI to coordinate the appraisal ( for a fee of {$450.00} ) and that the one I had just paid for would not be acceptable. 

I explained to the representative that I had followed the process that I was originally instructed to do, and never received any communication from BSI that they had updated their process to know that this process had changed. The customer service representative forwarded me to her manager, who after speaking with his supervisor, indicated that they would waive the fee given the circumstances and told me to email him directly the appraisal that I had received for BSI to process. 

After not hearing from the manager or BSI for several weeks and multiple follow-ups, the manager finally called me on XX/XX/XXXX to tell me that they BSI was no longer going to waive the fee and if I wanted to submit a request to have my PMI removed, that I would need to pay the {$450.00} for a new appraisal. 

I told the manager, that if BSI was not going to resolve this, given I had followed their direction and paid for my own appraisal, that I would have to seek alternative avenues to resolve. He said that he would speak with his supervisor again and call me back, but to date, I have not been contacted from him or anyone from BSI on this issue.
Consumer complaint received 2024-07-05
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: U.S. BANCORP (AZ)

This charge has been in dispute since XX/XX/year>. XXXX financial has closed the dispute without providing the documentation to me to attempt figure out how and what this charge is. I have requested any/all documentation provided by the entity that charged my card MULTIPLE times. In order for me to understand what the charge is and how it occurred, I need to see all of the response documentation that was provided by the entity that charged my card. I did not authorize the charge ( {$4800.00} ). XXXX is nonresponsive to me the consumer and has been very fast to side with the merchant charging my card without authorization ( this dispute has been resubmitted MULTIPLE times due to their error and lack of communication ). Thier flow seems to be to disregarded the responses I sent via fax ( I have a fax receipt ) as not received then close the dispute. They now have put my account into collections for this unresolved dispute amount of {$4800.00}. This company is EXTREMELY unorganized. This company is damaging my credit for a charge that was NOT authorzied.
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: TD BANK US HOLDING COMPANY (MA)

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX  account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated. 

In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX  account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed. 

When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently? 

The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX  credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.
Consumer complaint received 2024-05-15
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. (FL)

I am writing to formally request your immediate intervention regarding a fraudulent account reported by Experian on my credit report. Despite my efforts to resolve this matter directly with Experian, the erroneous account remains, negatively impacting my credit score and financial standing. This account, which I did not authorize or open, constitutes a clear case of identity theft. I have attached all relevant documentation, including my formal dispute filed with Experian, a police report, and evidence supporting my claim of fraud. I urgently seek your assistance to have this account deleted from my credit report to prevent further damage to my financial reputation. Your prompt action in this matter would be greatly appreciated.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by XXXX and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but XXXX does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called XXXX to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with XXXX is {$7300.00}, credit report shows that I am 60 days late in XXXX and 90 days late as of XXXX of 2023 ( current for some reason in XXXX ). Again, XXXX did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!