davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

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 2024-09-04
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. (SC)

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. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


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 2023-05-04
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-07-11
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (FL)

Original, still open Complaint ID : XXXX submitted on XX/XX/year> I have major privacy issues with Chase. First they utilize an address that was not mine and a phone number that was not mine, now they have changed my address without discussing with me that they were updating it. It is correct now, but they changed my address without my authorization, which customer service told me ( called XXXX minutes ago ) that We can not change your address and we are not allowed to change your address. And yet, my address was changed. 

When I first called them a month ago to have them fix the issue with using other peoples contact information for mine phone number and address they said they can make any address or phone number my primary if it has ever been associated with my SSN. Really?? Im sure there are regulations against this activity. I am still not able to login to the mobile app or update any of my information because it requires me to authenticate with the phone number which is not mine and has never been my personal phone number. 

I do not feel confident that my personal information is safe with this company and that they are utilizing the appropriate privacy guidelines.
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: SYNCHRONY FINANCIAL (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (DE)

I had insurance with XXXX in 2021 but i canceled and switched over to XXXX and told XXXX that but instead they threatened if i switched then i would have to pay XXXX and i told them no Im not staying so 2 months come by and they send a letter saying i owe XXXX for insurance, but i had already paid for the insurance by the time i switched. So i ignored it and told my father which told me to ignore but they kept sending mail through and calls to get the money or i would get my credit score dropped. After a while I contact them and tell them I don't have to pay for something that I don't owe or didn't get the service from them.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) 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.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2023-07-11
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. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Consumer complaint received 2024-09-04
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. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MA)

On XX/XX/year> I filed a dispute for product not received because the auto shop didnt do the correct work. SoFi originally responded and said they would have a resolution at the latest XX/XX/year> They responded to a complaint with a letter detailing a date of XX/XX/year> being the latest the merchant can respond They stop answering me and send me generic responses saying claims take up to 90+ days when its already been 138 days since the claim was filed
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I signed up for a Chase Plan, which is an interest saving promotion, late last year. With this plan you put a certain purchase on a no interest payment plan and owe a specific amount each month. When your statement is due each month you are to only pay what chase calls your interest saving balance which is any new charges plus your plan payment amount. I have been doing this each month while using the credit card regularly. However, this past month I had made a large purchase on my Chase credit card to try some clothing from a new brand ( an online retailer ), but 8 of the 10 items ordered got lost in the mail and didnt make it to me. The online retailer provided a refund to my Chase card ( the original form of payment ). Fast forward to my Chase statement rolling over for the month of XXXX and my Chase plan has disappeared. The customer service representative saw that my Chase Plan was removed from my account because the credit to my credit card from the online retailer was applied to the plan and not back toward my Online purchase. This credit wiped out my Chase Plan making my entire balance ( not just the interest saving balance ) due this month. Im unsure whether Chase is purposefully applying credits incorrectly as a predatory practice ( I would think the main function of a credit card and bank as a company are to ensure correct application of charges, credits, debits in their systemseems like basic accounting ) or if this was an honest mistake, but the representative I spoke with told me that Chases application of the online retailers credit to the Chase plan was irreversible. Had I known this I would have not used any Chase products to make purchases while I had the outstanding Chase plan. If this was an honest mistake I would expect Chase would fix their system to apply credits back to purchases outside of their Chase Plan items. I suspect this is not an honest mistake. The Plan was advertised as interest saving, but in the end was just a tricky cash grab.
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

On or around XX/XX/year> I became delinquent on a XXXX account and the account was written off and went to collection. The time frame of 7 years has passed and both the charge off and collection failed off only for another company or same company to rephrase the debt and place back in my credit report. 

I was not able to really catch this new tactic that collections are doing, until I reached out to a credit repair company as. I am homeless with a XXXX XXXX child having a hard time establishing credit as I dont have a residence address to use. So these collections so far 3 that have been put back and disguised as if its valid has hinder my ability to obtain housing. 
I Currently have XXXX as a cell phone provider, They welcomed me back after the 7 years statute of limitations expired. So why do collection companies get to falsify data to keep ruining a person livelihood?
Consumer complaint received 2024-09-04
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-04
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: CL Holdings LLC (TX)

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation XXXX XXXX XXXX Date : XXXX Amount : {$9000.00} JEFFERSON CAPITAL XXXXXXXX XXXX Date ; XXXX Amount : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Transunion written permission to furnish this accounts. Account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CL Holdings LLC (TX)

I am entangled in a horrible XXXX  XXXX, 100 % 3-year repayment plan. Debts are being reported above the amounts I owe as the creditors are selling or using collection agencies. I have reached out to everyone involved and no one will help me out, they pretty much blow me off. The lawyer I used even submitted a claim I didn't owe for his services. I feel like I am a target and everyone is just watching and even cheering them on. It is my understanding only from reading as the lawyer will not help. The charges should have been frozen the day the XXXX  XXXX was filed. According to my records several were not and one in particular is almost charging XXXX more than I owed. The lawyer was provided free through work so he checked out. He included my home which was I specifically asked him not to and my property taxes all of it is up to date. Everyone is just charging me and I have no idea what most of the collection agencies are collecting for I have no record of them I'm just guessing they were sold by the credit cards so the amounts are not accurate, I am down to just under {$7000.00} from XXXX. Now that I am here and I have examined closely I don't even know who the collection agencies are representing and I basically have no lawyer and the trustee office wont help. I'm just having to pay money I really probably genuinely do not owe these unsecured creditors/collection agencies. Who can help? it seems no one. I was given bad advise to file to begin with and house was never supposed to be involved. I know you work more with collection type issues. My issue with them is that I dont know where they are coming up with what they are asking for or even who they are collecting for it's no where on the site. Help.
Consumer complaint received 2023-06-19
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: 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. 

The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (TX)

I have tried numerous times to speak with someone regarding this account, my wallet was stolen from my purse and accounts were opened online. This is one of them. I have tried to dispute and speak with supervisors and nothing gets resolved and the account comes back verified and updated. How when it wasnt me who opened it and it was done online? I did not sign my name to anything with this company.