davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (OH)

I can not open a checking account because I was scammed by someone I thought I could trust that was very close to me, they deposited a fraud check into my bank accounts after I trusted them with my banking information, they uploaded the checks via mobile deposit in a banking app and the next day my accounts were a negative balance. I need to be able to open a bank account for my full time XXXX XXXX.
Consumer complaint received 2024-06-03
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. (MA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-06-17
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: CBC Companies, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights 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 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

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
Consumer complaint received 2024-06-03
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. (TX)

fraudulent inquiries on Transunion report XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to express my frustration with the credit bureaus failure to conduct a proper investigation and continuing to report inaccurate information on my credit report. 

Despite my repeated requests to have errors and inaccuracies on my credit report corrected, I have received no response or action from the credit bureaus. This lack of attention and disregard for my consumer rights is unacceptable and has caused significant harm to my financial standing. 

As per the Fair Credit Reporting Act, it is mandatory that all credit reporting agencies conduct a thorough investigation when a consumer disputes an item on their credit report. However, despite providing detailed information and documentation to support my dispute, your company has failed to take the necessary action to rectify the errors. 

The inaccurate information on my credit report has resulted in me being denied credit, higher interest rates, and other negative financial consequences. 

I have included a copy of all 3 credit reports and highlighted the inaccuracies and violations. All 3 reports should have identical information per account if everything was reporting accurately.
Consumer complaint received 2024-06-03
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. (IL)

I hope this message finds you well. I want to express my appreciation for your efforts in removing some of the incorrect items from my credit report. However, there are still outstanding items that need to be addressed. This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX, as I continue to be affected by mistaken credit reporting. I am submitting this complaint to dispute the remaining inquiries on my file, which do not correspond to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Please remove the following inquiries from my credit file as they result from inaccurate credit reporting : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX . According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided with ( 1 ) appropriate proof of my identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement affirming that the disputed information is not related to any transaction I conducted.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX 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  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 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (PA)

Well they denied me credit, even though Im the creditor. Then when I called and requested a reconsideration the banker, though very nice, was completely unaware of what was going on. I hope this can be handled outside of court!!!
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/2023, I contacted Apple Card asking them to refund a {$220.00} credit balance on my account. Their customer service informed me that it would take approximately 8 days for the money to reach my account. This is unfair for it to take that long to electronically do a refund refund. When I owe them money the funds are immediately withdrawn. I asked them to expedite the process since I was experiencing a hardship. They refused to accommodate my request. 
This blatantly unfair to me the consumer. I suspect they are playing games with my money and holding on to it so they can make more money. It simply is not in their interest to promptly do a refund.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX  XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I went to XXXX to trade in mine and my children 's old phones that were paid for in full and obtain new phones. Upon the transaction we opted to let XXXX take care of the disposal of the old phones. XXXX said we would receive packages with return labels in the mail and to return the phones when within 30 days of receipt of the return mail package. XXXX mailed the return mail packages to the incorrect address and upon realizing that we never received the packages, I reached out to XXXX to have them mail them to the correct address. They refused. I tried to mail the old, outdated phones that I paid for in full back to them on my own and they would not receive them. I called numerous times to try and rectify the situation and XXXX refused to accept the old phones that I already paid for nor. I closed my account out with XXXX, and they were happy to port the new cell phones and cell numbers over to XXXX. I have been with XXXX ever since for the last 5 years. I do not owe XXXX any money. This needs to be taken off of my credit report as XXXX refused to rectify this situation. If they wanted the old phones back, they should have taken them as I made numerous attempts even after they mailed the return package to the incorrect address. I paid for my service and those phones in full and nothing is owed to XXXX. Please remove this from my credit report. Thank you.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-13
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. (FL)

Account holder : XXXX XXXX Original creditor : XXXX Account # XXXX Opened XX/XX/2022 Collections 18 U.S. Code 8 - Obligation or other security of the United States defined. 

This debt was already paid in full by the United States. So you are now under

violation and havent provided the proper steps to validate this experience. 15 U.S. Code 1640- Civil li
ability.. 
( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; I have been failed. I demand this account be deleted!
Consumer complaint received 2024-06-04
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. (MI)

Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 states 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. TransUnion is a consumer reporting agencies, and I am the Consumer. I am writing to bring to your attention that the address ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) associated with my consumer credit report is a non-mailable address that promptly need to be removed from my consumer report.
Consumer complaint received 2024-06-03
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, CA, XXXX.
Consumer complaint received 2023-04-13
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. (PA)

According to the FCRA Experian has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 2. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Experian reporting on-time payment history then thirty days late in XX/XX/XXXX following XXXX XXXX 60 days late following XXXX XXXX 90 days late then in XXXX XXXX 60 days late then in XXXX 90 days late? Payments history must go in order of 30 days late 60 days late 90 days late 120 days late 3. This account has a discrepancy in the payment history section of the listing ; XXXX  How is Experian reporting on-time payments in XX/XX/XXXX and XXXX in XXXX  30 days late XXXX is reported 60 days late then XX/XX/XXXX is 90 days late then reported XX/XX/XXXX is 120 days late and in XX/XX/XXXX Another 120 days late.? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Experian reporting on-time payments until XXXX XXXX 30 days late XXXX is 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days.
Consumer complaint received 2023-10-23
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. (NY)

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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated 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. Please delete the accounts : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (AR)

COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.
Consumer complaint received 2024-06-03
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. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA XXXX and/or USBK COURT WESTERN PENNS XXXX I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on my CREDIT REPORT??