davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-25
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX :
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 USC 1681. the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX  XXXX XXXX XXXX  XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments.

15 U.S.C. 1681 SECTION 602A States I have a 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. 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 Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate. These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.
Consumer complaint received 2023-09-15
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. (NJ)

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 2023-08-04
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: Experian Information Solutions Inc. (TX)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX FIN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-04-25
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. (MI)

I am writing to file a formal complaint against XXXX XXXX for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX Experian And XXXX ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, XXXX XXXX has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additionaXXXX obligations on furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, XXXX XXXX has failed to fulfill their obligations under this section of the FCRA. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX  XXXX 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on XXXX XXXX for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Consumer complaint received 2023-12-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

This amazon store card ending with XXXX was opened in late XX/XX/XXXXXXXX  in consideration of cashback it offers. The issuer closed it on XX/XX/XXXX. 

I set up auto payment after opening the account because typically I want to put the payment on autopilot and forget about it. I did make 2 additional payments ( {$3400.00} and {$3900.00} ) with a brokerage account ending with XXXX on XX/XX/XXXX and XX/XX/XXXX separately because I wanted to pay off some balance on this card and make more purchases on Amazon.com to take advantage of this card 's cashback feature during the XXXX XXXX  deal XXXX. 

For unknown reasons, neither payment were not processed successfully ( I did have sufficient cash fund in my account at the time of making payment and I am open to showing the account history of my account ending with XXXX to show this. I do use this account for other credit cards ' payment as well ). I suspect that I might have set up inadvertently with a wrong account number and/or routing number, which caused the payment failure. As soon as I realized the issue, I set up payment with a checking account ending with XXXX and successfully paid off the entire balance of {$5900.00}. 

Nonetheless, the issuer closed my account with the reason of " high risk of failure to pay '', solely based on my two failed payments without considering my successful payment. Additionally, I have accumulated over {$130.00} cashback on this card which the issuer now refused to honor/give after closing the account. I think it is deceptive and unfair to refuse the cashback because I used this card due to the promised cashback ( I would not have used this store card if there was no promised cashback ), and the cashback was earned from legitimate transactions, and all balance from these transactions have been paid off in entirety.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : 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 2024-04-25
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-04-25
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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I have tried for the past 4 months to update my credit report. 
My personal information is wrong. 
I sent my utility bill, a copy of my social security card, and a copy of my driver 's license. 
This is my information XXXX XXXX XXXX XXXX XXXX 
XXXX KY XXXX XXXX XXXX. 

I have never lived on XXXX XXXX. 
I have never lived on XXXX XXXX XXXX. It was a business.
Consumer complaint received 2024-04-25
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. (OH)

please delete the following accounts and inquiries XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Federal Savings Bank, at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, will not accept my negotiable instruments and securities, or use my applications as tender of payment for my credit card or auto insurance policy. As a member of the Federal reserve system, USAA has access to the Federal reserve window to withdraw Federal reserve notes using my negotiable instruments and applications. USAA does not return my financial instruments that I have added value to, or my securities. 

USAA violates the FDCPA by creating false and misleading statements to make it appear that I owe them payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they provide no direction on how I may register transfer my securities through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's security interest in my accounts in XXXX. 

In XXXX I opted out of authorizing USAA to report consumer credit transactions between myself and USAA. When I viewed my consumer credit reports in XXXX my nonpublic personal information was still being reported. USAA also reports my banking transactions to XXXX XXXX XXXX. I have never filled out any Form SSA-89 to have my principal 's SSN released. These are violations of the FCRA. 

I have also concluded that in XXXX a USAA employee made a friendly phone call to me to deceptively create a verbal contract that I had no intention of entering into. 

List of registered/certified mailings of tenders to USAA Federal Savings Bank XXXX XXXX Rescission of security interest and tender received by USAA on XXXX XXXX ( all years XXXX  ) XXXX Tender received by USAA on XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Opportunity to cure received by USAA XXXX XXXX XXXX XXXX XXXX Default received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

My Chime Bank Debit Card was used XX/XX/XXXX for an Apartment Application Fee & Holding Deposit - {$340.00}. 

The Apartments say Chime took ALL of the money back claiming I didnt have the funds to cover it, but I did of course & the funds cleared right away & have never been refunded to me. 

The bank seems to b a foreign-held XXXX company here is the US & is doing malicious business practices. 
I only get XXXX when I call- they dont like to speak in normal contexts. 
And they continuously sent & send me weird emails saying that they have written updates for my case, but theres absolutely no communication from them at all. Then they say ( in the same email ) that they r closing my dispute because I havent responded to their invisible/fraud communication. 

Well its my XXXX money & now I have no money to eat or buy gas, or pay any other bills for the rest of the month. 
I have a strict diet, so I cant use food pantrys. XXXX XXXX & disgusted more & more at the XXXX politics in this country.
Consumer complaint received 2023-10-28
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. (GA)

I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( Equifax and XXXX ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over XXXX0 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item. 

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied. 

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been 77 days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights