davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NJ)

Subject : XXXX Privacy Rights Violation and Correction Request I am writing to bring to your attention several critical issues related to my credit report. Enclosed, please find copies of documents that demonstrate XXXX violation of my privacy rights under The Privacy Act of 1974. Specifically, I want to address the following concerns : 1. Written Instructions and Violation of My Consumer Rights : o According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. I have not explicitly provided written consent for XXXX to share my information with XXXX XXXX, Credit Collection Service, and the NY Child Support Enforcement Agency. This appears to be a violation of my rights. 
2. Revoke any consent o Any and All consent to XXXX ( Furnisher of information to credit agencies ) whether it be ( verbal, non-verbal, written, or implied ). or otherwise, is revoked. 
o I was never informed of my right to exercise the nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to the nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
o XXXX is prohibited from including certain items of information in a consumer report without proper authorization, especially adverse items. If any inaccurate or unauthorized information has been included, I request an investigation and correction. 
3. Maintaining Reasonable Procedures Designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to authorized purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. 
4. Opting Out of Reporting Services : o As per 12 CFR 1016.7, I formally opt out of XXXX reporting service and prohibit the sharing of my information with third parties. 
o Please ensure immediate compliance with this request
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I been a chase customer for almost 10years and they all of a sudden restricted my account without notifying me and they wont release my funds to me or completely close my account. I am late on my rent due to this issue and every time i call them about my issue they are all rude and give me different false dates of when they will release my funds to me. i requested to close my account and they refuse to do so.What a nightmare!
Consumer complaint received 2024-07-04
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. (OK)

SEE ATTACHED XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX This correspondence is to inform you, There is information that is on my consumer report that is a result of Identity Theft. I did NOT provide written permission or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block and delete this is not being made in error, nor is my request to block and delete being made on the material of misrepresentation of fact by me relevant to the request to block and delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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  You are required to do what I am asking and advising, and block these transactions from being reported to my consumer report within 4 days ( XXXX hrs ) from the date and time of receipt of this notice. I look forward to your prompt correction of my consumer report and your response. 

Sincerely, : XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (NC)

ON XX/XX/2023 I PAID XXXX XXXX XXXX THE BALANCE I OWED IN AGREEMENT THAT THE COLLECTION ACCOUNT WOULD BE REMOVED ONCE PROCESSING OF THE PAYMENT WAS COMPLETE IN 3-5 BUSINESS DAYS. AFTER THE PAYMENT HAS POSTED, APPROXIMATELY 2 WEEKS THE TRADELINE WOULD BE REMOVED FROM MY REPORT. AS OF XX/XX/2023, THE ACCOUNT STILL REMAINS ON MY ACCOUNT. I HAVE DISPUTED THE INFORMATION THREE SEPERATE TIMES WITH PROOF OF THE LETTER STATING THE ACCOUNT WOULD BE REMOVED DIRECTLY FROM THE CREDITOR AND THE RECEIPT SHOWING THE AMOUNT PAID BUT EXPERIAN HAS NOT REMOVED IT. THE " SUPERVISOR " I SPOKE WITH ON THIS MATTER FROM XXXX WAS EXTREMELY RUDE TO ME EACH TIME I CALLED AND WAS ONLY CONCEREND ABOUT GETTING ME OFF THE PHONE. THIS IS UNACCEPTABLE! EXPERIAN AND XXXX XXXX XXXX ARE VERY UNPROFESSIONAL ESTABLISMENTS
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-05-03
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZIONS BANCORPORATION (UT)

XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a XXXX XXXX XXXX. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year> a letter of dispute was mailed to TransUnion located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The dispute letter was created with XXXX XXXX which I have an account with. The letters are processed the printed out by myself and mailed out. The letter DID in fact include ; a photo copy of my valid drivers license, a current utility bill ( XXXX ) as well as a current copy of my social security card. This seems to be a stall tactic that TransUnion uses knowing good and well that they are in receipt of the requested documents. I personally printed and mailed the dispute letter from my job. I also personally attached the requested documents and stapled all three sheets together. So if the requested documents are " missing '' then where are they? I find it very funny that all three credit reporting bureaus received the same letter however conveniently on TransUnion didn't receive personal identifying documents. The letter stating the non receipt was received by me on XXXX XXXX.
Consumer complaint received 2024-05-24
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. (IL)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I write to dispute data by XXXXXXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked at my report yesterday on XXXX XXXX and I noticed several inaccuracies and incomplete things on my consumer report. According to the FCRA consumer reporting agencies should follow reasonable procedures to assure maximum possible accuracy of the info concerning my report in which it relates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows/has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

XX/XX/18- XXXX XXXX in XXXX , OH charged my card for my stay. This charge was held in pending status for 5 days so I called the credit card company on XX/XX/18, XXXX XXXX, and asked why it wasn't posting to my account. I need the charge to post to my account so I can submit it to my company for reimbursement. The credit card company- Synchrony- told me that the expiration date was not correct on the charge the hotel made. Mind you, 1 ) the hotel got an approval code for the charge 2 ) I've been using this card with the old expiration date for at least two months and they never stopped the payment from processing before ( the new card has the same account and a new expiration date only- I didn't realize the hotel did not have the updated information because they charges kept going through ). They told me, and I quote, " this charge will never post. '' I was advised to contact the hotel and tell them to reverse the charge and resubmit it with the correct expiration date- which I did. The hotel immediately processed a credit ( on XX/XX/18 ) and submitted and a new charge. Immediately after that, Synchrony posted the original charge so now I have two on my account! I've sent three emails to Synchrony- the first one has the attached credit and new charge documentation from the hotel with it. Instead of realizing their own mistake, they are treating this as a disputed charge and holding my credit hostage for up to two billing cycles! I did what they asked, they did what they said they would not do ( post a charge that they said they could not accept ), and now my account is a mess and I can not use it. This is the card I use for travel with my company. I have to start using another card because this one is now maxed out due to their error.
Consumer complaint received 2024-05-03
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

When I try to pay my Amazon Synchrony Card, there are numerous problems with website. Each month, I have had to attempt to make the payment 3 or 4 times and can not tell if it has gone through. They reverse/reject payments for no reason. In XXXX, i paid my balance in full and set up autopay. Then I got a notice that they hadn't received a payment. I never miss credit card payments! They were able to waive the late fees but changed me interest over 20 % when I had paid the full balance. They would not waive or reverse the interest I paid. I think they are intentionally making the website defective so they can collect interest from people. I have had credit cards for over 20 years and have had more problems paying this bill the last 3 months than I have had with all other credit cards combined.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon looking at my Transunion Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review
Consumer complaint received 2024-05-03
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)

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Consumer complaint received 2024-05-03
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)

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 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NE)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.