davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2023-08-30
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. (FL)

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

XXXX XXXX XXXX XXXX : {$2400.00}.
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BSI Financial Holdings, Inc. (FL)

I have been experiencing financial hardship due to XXXX natural disaster Hurricane Idalia, my area ( XXXX XXXX FL ) has been impacted and declared a natural disaster by FEMA as of XX/XX/23 and my mortgage company is refusing to help with forbearance plan. I have been reaching out to BSI financial since XX/XX/23 to ask for relief as our area has been impacted. No one is willing to help nor try to hear what we are trying to explain. I've been put on hold for more than an hour/ hung up on/ told that I need to let my account go to delinquency / agents refusing to connect me with the person in charge of my case. Once I got the individual in charge I was told that the only way I can get forbearance is if I'm unemployed which is a lie. I'm now one month behind on my mortgage of {$1900.00} and I don't want to have a delinquent account. I've never missed a payment with this company and no one seems to know the law and just wants to say company policy and be dismisses.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

Between dates XXXX I inquired about a debt that I was not aware of to CCS Collections . In attempt to get my credit right, there was an expectation that they would remove the collections on my credit report if I paid. I paid on XX/XX/scrub>XXXX
Consumer complaint received 2024-01-20
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: CCS Financial Services, Inc. (FL)

i am attaching the progressive insurance identification card, Effective date and Expiration date. 
And XXXX XXXX identification card Effective Date. 

i asked CCS to give me the exact date of the call i made to cancel my progressive car insurance, and they told " we don't have the exact date ''.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have contacted XXXX and Equifax regarding, regarding reporting a XXXX XXXX account on my credit file I have asked for a full investigation and to update me on the status of the investigation I have not got a update on the investigation. this account information is incorrect and should not be reporting on my credit file.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-09-22
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: AMERICAN EXPRESS COMPANY (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. AMERICAN EXPRESS XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MN)

On XX/XX/2023 around XXXX CST a representative with Citi Bank disclosed my account information to an unauthorized 3rd party. While i was away from my phone, i received a call, my sister answered the phone for me since i was not in the same room as my phone. When my sister asked who was calling ( to leave a message for me ) the representative went into detail with my sister regarding my credit card account. There was no verification on the representative 's part on who she was speaking with, or if the person who answered the phone was me the account holder. My sister asked to speak to a manager/supervisor while informing me of what just happened. I was able to speak with a representative by the name of XXXX ID # XXXX who identified as a Escalation Specialist. When i asked for the name of the representative that disclosed my information to an unauthorized 3rd party XXXX could only give the representative 's ID # XXXX. I asked XXXX what their practices are for verifying consumers, XXXX explained that they only confirm first and last name. I expressed to XXXX my concern for the lack of verification on the initial phone call that the representative gave my account information out openly without confirming they were speaking to the correct party. XXXX apologized.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XXXX XXXX, 2023, I stopped at Webster ATM to withdraw money from my checking account. The slip said invalid transaction. I physically went to the bank to ask why I could not take my money out. I was told that checks were stolen from my account. 
They froze my account, asked why I was not notified about this. After several days of going back and forth, was told you need to talk to Management. The bank says the Webster fraud called our landline. I called the fraud line, they apologized for not leaving a message on our answering machine. We were not home, at XXXX office. 
In the meantime if I had not gone into the bank to find this out. I would have continued to write checks and continued thinking everything was good. On XX/XX/XXXX they closed account and issued new a new one. Told we would get new cards 6-7 days new checks about 3 weeks. In the meantime bills were late. Because we were never informed of this happening. Webster should be held accountable for any late fees. XXXX fraud lines told how to leave messages?
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

Charges are hidden from my transaction list, until the charge is posted. It is deceptive from whats actually in my account. This has caused me to have number outs over draft fees. This isnt like a tip that you dont seem until the transaction post, because you can still see the price you pay for the food. Its not like a gas charge that shows {$1.00}, then the whole {$50.00} post. There is no transaction then all the sudden, I see my money is gone and transactions that are mine are reflected when they previously were not. The available and current balances reflect the same.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.
Consumer complaint received 2023-08-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (SC)

I have a Mastercard credit card that has rental car protection as benefit. I traveled to XXXX and XXXX XXXX and rented a car. The car upon return had a minor damage for which I was charged {$150.00} extra by XXXX XXXX XXXX. 

I filed claimed to Mastercard on XX/XX/XXXX and sent them with all the required documents. 

I have been following up since last 4 months and every time I call the Mastercard claim department, I get to hear that they are working on the claim. 

The last call I made was on XXXX XX/XX/XXXX and I was told that the claim was expedited and I would hear back in 24-48 hours.

This period of 48 hours is also passed and I did not hear anything from Mastercard in email or phone.

With no options, I would like to file a complaint against Mastercard for not providing the service they have offered while signing up for this Credit Card. 

I can provide more information upon request.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am writing to express my grave concern and dissatisfaction regarding the unresolved dispute surrounding the accounts associated with XXXX XXXX XXXX XXXX reporting on my report twice. Despite having disputed these accounts twice and having sent debt validation letters, it has been over 30 days, and I have not received any confirmation letters regarding completed and signed documentation bearing my signature for these listed accounts. This failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. 
I want to draw your attention to the specific sections of the FCRA that are pertinent to this dispute : 1. **15 U.S.C 1681 : ** This section outlines the general provisions of the FCRA XXXX emphasizing the accuracy and fairness of consumer reporting. 
2. **15 U.S.C 1681a ( f ) : ** This section defines the responsibilities of consumer reporting agencies in maintaining the accuracy of information. 
3. **15 U.S.C 1681a ( d ) : ** This section establishes the obligations of consumer reporting agencies to provide consumers with information in their files upon request. 
4. **15 U.S.C 1681b : ** This section outlines the permissible purposes for which consumer reports may be furnished. 
5. **15 U.S.C 1681g : ** This section stipulates the procedures for consumers to dispute and obtain verification of information in their credit reports. 
In accordance with the FCRA, I requested the following information related to the disputed accounts : 1. Full bank account statement/statements from the original creditor. 
2. Proof that I own this debt/Proof of debt assignment. 
3. The name and address of the original furnisher/debt collector. 
4. The original contract from the original creditor with my SIGNATURE on it. 
These requests were not arbitrary but are in line with my rights under the FCRA, specifically sections 15 U.S.C 1681a ( f ), 15 U.S.C 1681a ( d ), 15 U.S.C 1681b, and 15 U.S.C 1681g. 
Additionally, I want to highlight that collection efforts on these accounts have not ceased, further compounding the violations. 
I wish to emphasize that I did not request a generic statement merely stating that these items are verified. I explicitly sought undeniable, irrefutable PROOF that the alleged accounts are verified, validated, and accurate. The failure to provide this documentation is a violation of the FCRA. 
I demand immediate action to remove the XXXX XXXX XXXX XXXX accounts from my credit report within three days of receiving this letter. Failure to comply with this demand will leave me no choice but to pursue legal action to enforce my rights under the FCRA. 
All correspondence related to this matter should be directed to the address provided above. I expect written confirmation of the removal of the mentioned accounts within the specified timeframe.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

For the past XXXX weeks I have contacted the credit bureaus. They updated my new balance, but then reduced the credit limit amount. This is inaccurate as the credit limit actually increased right after I paid it down. So they obviously knew this as they reduced the limit after they saw the payment lowered. They even increased it and then lowered it. I even sent a screenshot showing the updated credit limit. I'm getting a car soon and this inaccurate info will influence how much I pay! I could understand if it was an actual mistake but when I contacted them they keep denying it. It's inaccurate and they should fix it.
Consumer complaint received 2023-08-30
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)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2024-03-22
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. (CA)

THIS IS NOT A DUPLICATE!!!!! I AM OPTING OUT! 

XXXX XXXX IS PLAYING A SICK GAME, THEY BETTER STOP PLAYING WITH ME BEFORE I WHISTLEBLOW AND REPORT THEM TO THE S.E.C FOR SELLING SECURITIES ON THE SECONDARY MARKET!!!!!!! 

I HAVE THE RIGHT TO PUT IN THESE COMPLAINTS AND XXXX WILL NOT STOP ME!!!!!!!!! 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies XXXX and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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. 15 USC 1681 ( e ) states : " 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. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. " I AM OPTING OUT OF YOUR REPORTING SERVICES! ''