davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
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. (CT)

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.

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXk XXXX, XXXX 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
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I never heard of this company. Our credit rating are very high on the three normal rating services. 
We tried to apply for a high interest CD and the bank told us our report with " Chexsystems '' is preventing us from getting the CD. 
We have tried by phone and online o open an accunt. To no avail. My wife got a human on the phone once and they had such a heavy foreign accent she couldn't understand them. The online procedure to enroll is impossible to negotiate and they have incorrect phone numbers as to be texted. 
Worst of all, they want me to complain to them which I find ridiculous and insulting. 
How can I get them to provide a credit report to me and can I take legal action against them You have my contact information
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Informed on or about XX/XX/XXXX XXXX credit cards were attempted to be opened in my name using my SSN with Bank of America. Notified BoA XX/XX/XXXX of attempted fraud and requested cancellation of cards/accounts. Filed police report for same. 

Contacted via phone BoA a week later for followup, informed either investigation was not opened or was lost, reopened investigation. 

Informed by BoA XX/XX/XXXX that investigation was refused. 

Know my SSN identity was stolen via XXXX breech several years ago. Have filed fraud reports against same.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-05
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-10-15
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. (NJ)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-15
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. (MD)

TRANSUNION is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiries from XXXX and XXXX XXXX are being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. TRANSUNION has 4 days to remove the inquiries pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that TRANSUNION provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. TRANSUNION will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If TRANSUNION does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: King of Credit Financial, Inc (CA)

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. 
Please remove this account immediately as Im taking legal action as my rights are being violated. This creditor used this account as a tax write off in XXXX which in turn makes this considered income and they are continuing to report false information I would like this creditor to send all documentation pertaining to this account. Now that Im calling them out on their inconsistencies They are Lieing and making an assumptions like this manager XXXX said Im trying to remove a defaulted loan, when its not a defaulted loan as they have already used this account in XXXX as a tax write off, all their doing now is continuing to furnish my information which is a violation of my rights I have asked them multiple times, with no response until I contacted the state attorney then they responded with what theyre saying now which is lies and fabrication of the truth they have never sent me a 1099-C form in XXXX cause in XXXX they were still reporting this account to my credit report, they are now falsifying documents which I have now with incorrect spelling an also no verification and validation documentation I requested only when I contact the state attorney and cfpb they will respond. They continue to violate people/consumers rights as the people/consumer are not educated on the rights they have. But now I know my rights and I will continue to fight until they remove this and stop reporting to my consumer reports. I asked them to remove my information.
Consumer complaint received 2023-10-15
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. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

On Sunday, XX/XX/XXXX, at XXXX, I initiated a transfer of {$55.00} in XXXX XXXX XXXX XXXX ) to a different wallet using the XXXX app on my phone. I paid an extra fee to have the transfer delivered instantly, rather than waiting about 24 hours like they advertise. 3 hours and 20 minutes later, the transfer still has a pending status on XXXX, while searching the transaction ID ( XXXX ) on the XXXX website shows as transaction not found. I contacted support and they said to wait, and that they couldnt refund my fee. I paid a fee for it to be instantly delivered, and 3 hours later it still has not been delivered. Not only are they refusing to refund me my fee, but now Im starting to think that my XXXX has been lost and not going to be delivered.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax is not accurately verifying accounts or investigating disputes ... I have asked via letter for information of which they are using to verify my debt through original and 3rd party debt collectors .... I have received no original letters of authorization from the following listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX .... Moreover, XXXX account is listed multiple times with status or paid closed, derogatory closed, and card lost or stolen. Which indicates that after multiple disputes that the practices of this bureau are not following the rules under the FRCA ... Everything is currently under reinvestigation ... This is harming my reputation as a consumer .... I have placed a fraud alert on my credit report as well as with the FTC ... .I want all signed consent to inquiries be made available to me or asked that all inquiries that do not have authorized proof of documentation of my consent to be removed ....
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I'm in the middle of purchasing a new home. 
The lender pulled my credit and identified a decrease of XXXX points due to a newly reported collection on XX/XX/23 : Original Creditor XXXX XXXX XXXX XXXX XXXX : Resurgent/LVNV Funding ( XXXX ) XXXX After speaking to the collection agency, I called XXXX XXXX and they confirmed that they never reported my information to the collection agency. 

The collection agency is no longer responding.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX  CHARGED ME/MY ACCOUNT THROUGH CHIME BANK FOR SERVICES THAT WAS NEVER RENDERED I DISPUTED IT WITH MY BANK AND STATED TO THEM OF THE INCIDENT AND THE FUNDS WERE NEVER RETURNED MY DISPUTE WAS DENIED THIS HAS HAPPENED SEVERAL TIMES WITH MY DISPUTES THROUGH CHIME BANK
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I requested validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. The original creditor XXXX XXXX XXXX was also notified by the collection agency of my dispute. I received two letters ( the second letter was the exact same as the 1st letter ) from XXXX XXXX XXXX XXXX XXXX obtaining billing statements and medical information that did not include a HIPPA release form with my signature. This is a 3rd party company and I have not consented for them to have an itemized list of my medical information. I requested for the late payments be deleted from my credit report by Experian, but they have yet to do so. Experian has not responded within the lawful 30 day period of their investigation of each disputed item. 

On XX/XX/2020 I requested by mail validation of a debt on my credit report from XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 I requested by mail verification from all three Credit Bureaus. There are negative comments and late payments on my student loan that have yet to be validated or verified. I have not received a response within the lawful 30 days from XXXX XXXX XXXX XXXX XXXX nor from Experian regarding this matter. I have sent non response letters to both XXXX XXXX XXXX XXXX XXXX and Experian regarding this debt.
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Predatory loan, not reflective of my salary, job title, and credit. 
Collusion with dealer to reduce bargaining power, including paying interest and points on loan, requiring bad supplemental products as mandatory. 

Mandatory bad warranty. No record of warranty, no contract info, despite repeated attempts to obtain. 
Extra large cost totaling over 25 % of the price of the car. XXXX car ( XXXX warranty ) No repair reimbursement. Never was able to use warranty despite numerous repairs. I have had to pay over $ 2000.00out of pocket, with NO reimbursement or ability to submit a claim. Paid over 2000 in the first 12 months of ownership. 

Called finance company immediately and told not to fund the loan, that the dealership had misreprensented themselves in the transaction numerous times, and the car would be returned asap. It was funded anyway. After making several calls to the finance company and dealer to rectify, to no avail. 

Sent all of my paperwork late. So by the time I received it I was behind one payment. So despite paying the loan every month, the loan reflects perpetually late, and I get a fee each month, even though I pay at least the minimum, usually over the minimum payment each month. I have incurred hundreds, if not thousands of dollars in late fees. 
Several months ago, despite paying the loan monthly, XX/XX/2018, my  payment was refused, forcing my loan into default! 
I have paid on this loan for over 18 months ( it is a 3 year loan ), and I owe more now than the initial loan amount. 
I would have great credit if not for this loan. I have excellent payment history with every other creditor before and after inception of this loan.
Consumer complaint received 2023-10-15
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)

Can XXXX furnish late payments and Soft and Hard Inquires on my credit report? 
Experian Credit Reporting Agency XXXX Credit Reporting Agency XXXX Credit Reporting Agency