davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (TX)

my FCRA rights is continuously being violated by XXXX who never showed me proof of the date of my first delinquency I requested in a previous dispute and failure to show proof of date of first delinquency the account must be removed by law. Also XXXX is reporting an updated charge-off on my account. If the first charge off was posted on my consumer report in XXXX why is this charge-off being furnished to my consumer report every month all the way up until XXXX also is reporting an updated balance of {$8800.00} which was posted on my consumer report XXXX XXXX. If the account was charged off in XX/XX/XXXX how is it possible to report a charge-off which is in definition by the IRS as cancelled-debt XXXX decided to continue to report a charge-off on my consumer report every month including an updated balance. XXXX is reporting inaccurate information to my consumer report and falsely manipulating the statue of limitation by continuing to report an updated balance. consumer reporting agencies are bound by all FCRA laws and my consumer report has to be 100 % accurate at all times, any inaccurate information reporting to the consumer report has to be removed by law. violation of 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

Do not update this information I am requesting that this account be deleted which is a direct violation of the FCRA consumer rights.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-26
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: DISCOVER BANK (IL)

I have always had XXXX configured on my Discover credit card. On XX/XX/XXXX I made a payment using discover.com of my full balance amount of {$3400.00}. On XX/XX/XXXX I went to use my card to find it locked. Investigation led to finding a recurring gym membership charge starting in XXXX that went unpaid on the card. 

Speaking with Discover in XXXX, they stated I myself chose an option to remove my AutoPay when I made that full balance amount payment in XX/XX/XXXX. There was no such option on-screen in the payment UI, and I would NOT have chosen to remove my AutoPay as I have always had it on on this card. 

Due to Discover removing AutoPay without my consent, they reported multiple late payments to the three major credit bureaus, in turn negatively impacting my credit score. They also charged me {$32.00} in fees.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am XXXX  this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things accounts beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSWORLD SYSTEMS INC (FL)

As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Consumer complaint received 2023-09-15
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: Experian Information Solutions 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, Account name : # XXXX, Account name : # XXXX, 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 2023-08-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (IL)

XX/XX/XXXX my leased vehicle a XXXX XXXX, VIN # XXXX was stolen and recovered the next day. I picked up the vehicle from the police station and returned it to the dealership where I leased the vehicle from XXXX XXXX XXXX XXXX ). My insurance paid for the repairs and I was called to pick up the vehicle. I explained to them since there was only a few weeks left on the lease they can keep it and I paid off the remaining balance of the lease contract. I was notified by the credit bureau app. XX/XX/XXXX that KIA Finance put {$18000.00} on my credit report causing my score to drop from in the 800 's to the 600 's. I spent weeks and app. 8 hours a day talking to KIA Finance and XXXX XXXX XXXX where they both continued to give me the run around. XXXX XXXX XXXX said they lost the vehicle. I went up to XXXX XXXX XXXX to resolve the problem where the manager and service manager was rude towards me and told me, we can not find the car and it is your responsibility and you have to pay for the lost vehicle. I called the police and they told me they could not give me a police report and to get an attorney.
Consumer complaint received 2023-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

1 ) Every. Single. Time. I call ISL/Aspire from my phone I am routed DIRECTLY to XXXX XXXX XXXX XXXX. I am NEVER given the opportunity to speak with customer service. This is illegal and not proper " servicing '' of my current and active student loans. I have called every single day this week and every single day ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I am routed to XXXX 's voicemail immediately. I had to call from an alternative number to be routed to an actual customer service rep, who I had to wait on hold for 15 minutes and HEAVILY ESCALATE until A LIVE PERSON would talk to me about my account. Again, illegal. 

2 ) In XXXX Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. I won't belabor with the struggle I endured to get a 1099c with a identifiable event code, but when ISL finally sent a SECOND 1099c it listed the identifiable event as CODE F - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

XXXX / XXXX has been updating inaccurate account information to the 3 credit bureaus for years. I have not had any accounts with this company, they have reported 2 duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the 2 inaccurate accounts from all three credit bureaus reports.
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-15
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, XXXX XXXX XXXX acc # 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 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I went to the XXXX Police Department to file a police report in regards to me being a victim of identity theft, a checking account with XXXX XXXX XXXX Bank, {$960.00} and XXXX fraudulent inquiries viewed by others currently listed on my Chex Systems credit report. The XXXX Police Department informed me to file a complaint with the Federal Trade Commission XXXX XXXX XXXX XXXX and told me Chex Systems is required by Federal to accept the Federal Trade Commission XXXX XXXX XXXX in regards to unauthorized and fraudulent inquiries and accounts. Chex Systems keep telling me I need a police report and they can not accept the Federal Trade Commission XXXX XXXX XXXX. I want Chex Systems to immediately delete and remove the following fraudulent and unauthorized Inquiries Viewed By Others currently listed on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I disputed a transaction through Chase for a transaction of {$51.00}. This was an item that was purchased from a merchant and was marked delivered by the carrier, XXXX. Within three minutes of the delivery notification, I went outside and there was no package where the photo was submitted. Carriers are instructed to deliver packages to the door of the tenant. This carrier submitted a photo with the package in the middle of the courtyard in front of the building, in plain sight from the sidewalk. This is atypical and uncommon. XXXX  has repeatedly delivered packages incorrectly to other tenants in this building, and a supervisor has been notified for suspicion of theft. This delivery was not completed, as the carrier did not deliver the package to the address. This is equivocal to the carrier leaving the package in the middle of the road and marking it as delivered. When I contacted XXXX, they instructed me to contact the merchant to file a claim, as the recipient is not eligible to open carrier claims. The merchant refused to do so. Chase has denied the claim even though a thorough account and supporting documentation have been provided. While following up with a representative, after 45 minutes on hold and a 3 minute conversation, the representative disconnected the call when prompted to speak with a supervisor. Chase has a duty to protect the federally insured funds of its depositors from fraud and has failed in this instance.
Consumer complaint received 2024-07-13
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. (MA)

I been reviewing my credit file and notice XXXX XXXX is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, 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 delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Refinanced XXXX XXXX Auto Loan with XXXX XXXX XXXX. Now I have XXXX Auto loans listed on my credit report. So XXXX loan is reported New but the prior loan is yet to come off. This has made my credit score drop.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MO)

bought a dell computer. Used there finance company was approved. they will not give me a full account # all they give me is the last 4 digits of the #. so i can not get on line to check it or pay the bill on line.They say i need to send them a copy, front and back of my s.s. # driver license. iI am not sending that information in the mail to them! they have already lost one of my payments for 3 weeks before they found and sent it thru. I bought this computer in XXXX XXXXXXXX i have made 5 payments and still no full account # just the last 4 #. i have called them 4 times and they tell me there is nothing they can do because of this i have been charged late fees from them!
Consumer complaint received 2023-08-02
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. (NY)

My name is XXXX XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

They sent me offer through the mail about applying for their credit card and theyd let me go a year with any interest and pay me XXXX after sending XXXX but when I applied they gave me a different offer that was no where near as good as the one they first offered. Now they made me run my credit for no reason because I did not accept that terrible offer.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was involved in the equifax data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately