davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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)

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, account number : XXXX XXXX XXXX. XXXX section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items 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 accurate.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am demanding the deletion of the account PORTFOLIO RC XXXX from my credit report due to FCRA and FDCPA violations. I contacted the original creditor, and they were not able to verify this account. I will attach the response from XXXXXXXX XXXX admitting that they have no record of the account or proof that I am the alleged debt owner. I have already submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you still proceed to report this account. Under the provisions of the FDCPA, it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FDCPA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action.
Consumer complaint received 2024-05-19
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. (OH)

I have sent a letter to the bureaus many times but I always receive an email from them saying that I am not the one to send the letter? why? no one else sent for me but myself. please delete these accounts and inquiries.
Consumer complaint received 2024-05-18
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. (TX)

XXXX Account number-XXXX open with a past due balance. I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (MS)

On XX/XX/2023 I received a phone call from FBCS , Inc who stated XXXX XXXX sold my debt on behalf of Avant. In this recorded call the woman told me I can pay in 12 month increments to satisfy the debt. I told her I didnt know XXXX XXXX XXXX my debt since Ive received no correspondence and asked her to send me a written statement to my home address. She began yelling over the phone asking me when I was going to pay the money like I owed it to her. I again told her to send me a letter to my home verifying the debt and the offer to pay over time. She still yelled and asked when I was going to pay. I have blocked them and they better not reach out again. She was disrespectful and disgusting. Id like them to send mailed correspondence from now on with that attitude.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (IL)

I submitted a form to have my loans consolidated XX/XX/XXXX to aid advantage. I contacted XXXX XX/XX/XXXX and I was told it was not processed and could not be processed. I was given no clear answer but was told I would have to start the process over. I was told by the customer service rep that she can see the application but again I would have to start the process over. I have currently XXXX payments and I have applied for public service loan forgiveness. The customer service rep at XXXX also told me there was nothing that she could do and for me to submit the consolidation application again to studentaid.gov.
Consumer complaint received 2023-08-25
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. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2018-03-12
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: CL Holdings LLC (OH)

XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: SYNCHRONY FINANCIAL (NY)

Hi Im trying to get help form pay pal to get a card they wont give me a new card when I opened a new account up because I had a account there closed it out on there own with out my knowledge so I want them to give me a card
Consumer complaint received 2024-05-19
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: EQUIFAX, INC. (NC)

I am writing to bring to your attention unauthorized inquiries that have appeared on my consumer report maintained by your agency. Upon reviewing my credit report, I have identified inquiries that were made without my authorization. 

Enclosed with this letter, please find a copy of the federal law enforcement report documenting the unauthorized inquiries. This report serves as official documentation of the unauthorized nature of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to control who has access to their credit information, and unauthorized inquiries violate these rights. Therefore, I request that you take immediate action to investigate the unauthorized inquiries and remove them from my credit report. 

Additionally, I request that you provide me with a copy of my updated credit report reflecting the DELETION of the unauthorized inquiries once the necessary corrections have been made. 

Sincerely, XXXX XXXX List of Inquiries to be Deleted due to identity theft : XXXX XXXX XX/XX/2023 ( EQUIFAX ) XXXXXXXX XXXX XXXXXX/XX/2023 ( EQUIFAX )
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly.

Details of the Discrepancy : 1 ) Credit Reporting Agency : XXXX XXXX ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA.

Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by XXXX has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

So on XX/XX/2022 at XXXX I got this message from XXXX XXXX of Closure of you deposit account ending in XXXX  due to a check that I deposit of my brother work check that I agree on him that I will deposit his check on my account also that was a Friday, so I also had a work check to deposit on my account so decide to deposit both of them. I didnt know that this could have an issue with my account, because algo my boyfriend use to deposit his work checks on my account and nothing never happens ( he use to do that because he had and account with his mom and it was kind a saving account ) so nothing never happens to my account and i dont know why I get the account close if hes my brother, there was his name on the check and everything. 
My mom use XXXX XXXX, so a couple months she goes to a XXXX XXXX bank to open an account for my sister and they told her that because I have this issue she cant open the account for my sister ( I XXXX had the account with my mom because we opened when I was a minor ). A been had to calls for reopening the account but I cant due to that. I ask a customer service person from XXXX XXXX if I cant solve this issue ( I want to reopen it ) of me and my brother can go together to solve this issue and she told me NO! 

I also had a problem with fraud on my chase bank account due to some checks that were fraudulent which I didnt deposit, also some claims as soon as I saw that activity on my account I call and told them that I didnt make this claims and this deposits, which they make me change everything from my account but it was still close, so days later or weeks I call to see if I can reopen the account and they told me yes and everything, it was pretty good until this fraudulent activity came again, even tho that I change everything. I ask them if they can see where this checks where from but they told me no, because I wanted to know if they can give me any information to see what place or phones or anything was getting access to my accounts. I make an appointment to reopen it for the 2nd time because they told me I can but when I go to my appointment they told me that I cant reopen it due to suspicious activity.

If theres any possibility that we can solve this issues with both of the accounts please let me know if I have to do anything, please let me know Im here to help and discuss about this at any moment. Thank you!
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (CT)

Several years ago, I purchased a {$200.00} XXXX gift card at a XXXX XXXX XXXX XXXXXXXX store. Today I checked the balance over the phone, and was told by a representative from XXXX that the card had not been activated. He also suggested that I should go back to the store for help. But the store is out of business. For their part, XXXX claims that there is nothing they can do. Since XXXX is the vendor of the card, I think, they bear responsibility for getting this issue resolved.
Consumer complaint received 2023-08-28
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. (GA)

I, XXXX XXXX, hereby assert my rights as a private individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report 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 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and the Citibank , N.A . denied my credit card application. 
I have filed a prior complaint with CFPB for this issue and I have uploaded all supporting documents to CFPB on XX/XX/2023. 
My CFPB complaint ID # for the previous filing is XXXX. 

I am resubmitting the same complaint second time because I have just discovered yesterday, on XX/XX/2023 from news that Citibank has been denying credit card applications for XXXX. I am XXXX  and my last name ends with " XXXX ''. Because I am XXXX  descent I have been purposefully singled out and discriminated by Citibank. I have been intentionally denied for credit based on false and fabricated reason and Citibank accusing me that I have bankruptcy filing in my XXXX credit report. Such allegations are false and lies, because my XXXX credit report does not have any bankruptcy information and I have never filed bankruptcy in my life. 

Although CFPB has taken action against Citibank and the lawsuit is settled, I see that Citibank is still continuing on discriminating against XXXX  applicants. I request from CFPB to further take legal action against Citibank because of the fact that Citibank is still practicing discrimination against XXXX.
Consumer complaint received 2023-07-17
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: BARCLAYS BANK DELAWARE (PA)

I have a Barclays credit card account for a Frontier Airlines card. I checked my credit score on XXXX XXXX about a month ago ( XX/XX/2023 ), and saw that my score went down as there was a new line of credit opened. As I investigated further, I saw that there was {$970.00} in charges to this newly opened Barclays Banana Republic credit card account. I was very confused as I know I only have one Barclays account and I have never shopped at Banana Republic. I immediately called Barclays ( XX/XX/2023 ), reported it as fraud, had an investigation opened and the account closed. I also made an account on IdentityTheft.gov and went through their " Recovery Plan '' which suggested I place a credit freeze and fraud alert on my credit reports as well as an extended fraud alert, which I did.

Today ( XX/XX/2023 ) I checked my credit score again and the {$970.00} in charges were back on my report and the remark on my account now stated " Account previously in dispute - Now resolved by data furnisher ''. Again, I immediately called the Barclays fraud department. They said that their investigation determined it couldn't be fraud as you have to present an ID to get the Banana Republic card. I demanded my account be re-investigated for fraud and told them I will be sending a letter of explanation as well as submitting a complaint to CFPB.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 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 2023-10-26
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. (DC)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-19
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. (TX)

XXXX XXXX XXXX dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on XXXX of {$300.00} in 2024. And they are reporting to XXXX gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g XXXX XXXX XXXX XXXX for their Branch MOS/Job title and sharing that information to other persons for monetized gains unlawfully.