davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.
Consumer complaint received 2023-07-07
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: 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, has violated my rights. 
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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

12 CFR 1022.24 - Reasonable opportunity to opt out. 
CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part. 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.

( 2 ) By electronic means.

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means.

( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Consumer complaint received 2024-05-01
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. (GA)

Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXX XXXX XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2023-12-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TN)

XXXXXXXX XXXX XXXXXXXX was the original collection agency for XXXX XXXX XXXX XXXXXXXX XXXX they have had it since XX/XX/XXXX that was sold to Capio Partners which I was never notified and they have it listed as a new opened collection dated XXXX 

They have two new open collections account dated XX/XX/XXXX For XXXX XXXX XXXX XXXX that XXXXXXXX XXXX XXXX  has had since XXXX. I would like for them to correct the date on my credit report from when they bought the debt from XXXXXXXX XXXX XXXXXXXX to the original date of XX/XX/XXXXXXXX 

Thank you
Consumer complaint received 2024-05-01
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-14
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Company have sent several text messages before XXXX. I requested a debt validation no response. I have no knowledge of this debt not mine. Please supply a copy of lease. If you bought this debt from another company. supply proof, and copy of my ID, social security card. Receipt. If you don't supply information with 30 days of receipt remove reporting from all 3 credit reporting otherwise my lawyer will be in contact.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-13
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)

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 XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any 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 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I went to a bank in XXXX NY and made a deposit of {$820.00} on XX/XX/XXXX. When I inserted my card the machine refused it and again I tried. When I checked the balance online it showed a deposit of XXXX. I contacted the bank and advised of the situation, providing all of the info of time and place and was told that the bank would research and within XXXX  days deposit the missing balance. 

I contacted the bank on XX/XX/XXXX and was told there was no discrepancy. I was then told I needed to provide the receipt which I did not receive. 

Please assist that in correcting this deposit.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

I initially contacted American Express to verify my application status. I was told that my XXXX  XXXX  that is registered with the XXXX  XXXX XXXX  XXXX did not exist. That is a blatant lie. Then I called back and was told that the XXXX XXXX XXXX  XXXX website was not working and that they had an outage. I contacted the XXXX  XXXX XXXX  XXXX XXXX and confirmed that their website had no outage and was functioning properly. American Express lied to me multiple times but what is most disturbing and fraudulent, they lied using false information directly associated with the Great State of XXXX. What else are they lying about?
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

What happened? 

I am filing this complaint because Nelnet continues to report three student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my credit score and overall credit report.

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

XXXX. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as Nelnet, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

XXXX. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages. 

XXXX. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial. 

XXXX. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent. 

XXXX. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria. 

XXXX. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the ECOA, ensuring that the rights and protections afforded to applicants are upheld. 

XXXX. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have filed disputes with Experian XXXX, XXXX, and XXXX for the incorrect account balance and status on my XXXX XXXX XXXX XXXX XXXX accounts in the amounts of {$3900.00}, {$5000.00}, {$7000.00}, {$7400.00}, {$8200.00}, and {$8000.00}. My XXXX student loans were transferred to XXXX and forgiven under the PSLF program on XXXX. I have sent Experian documents showing my forgiveness letter and my balance with XXXX is {$0.00} after being paid in full, and being transferred to XXXX, they have yet to correct it. I called XXXX directly to have them send updated information which they did. I have the letter from XXXX stating they sent the updated information to Experian. Experian have yet to correct my XXXX XXXX XXXX XXXX student loan balances to {$0.00} and correct my account status to closed/ transfered.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS COMPANY HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 15USC 1681 SECTION 602 STATES HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. COMENITY CAPITAL/ XXXX DATED XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX