davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX & XX/XX/XXXX, I sent certified mail to TransUnion, along with 3 forms of id. XXXX XXXX XXXXXXXX, XXXX ) This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 6 ) ( A ).

Under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed ( ) and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. 



Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me written notice of the results of your reinvestigation within 5 business days of the completion of your reinvestigation. 



To date, I have received no notice of results of your reinvestigation. Since the statuory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( a ) ( 1 ) to immediately delete the disputed information from my credit file.

Thus, my complaint will be satisfied by timely deletion of the disputed information.

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. I would prefer to forgo such a complaint provided that I receive an immediate notice of the results of your reinvestigation or deletion of the disputed information from my credit file.

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( III ) and FCRA 611 ( a ) ( 7 ), that your notification of results of your reinvestigation also include a description of the procedures you used to determine the results of your reinvestigation.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$310.00}.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is 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.
Consumer complaint received 2023-10-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-02-01
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: EQUIFAX, INC. (CA)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I recently tried to deposit a check on behalf of my incarcerated boyfriend. He had received a {$3500.00} check from XXXX XXXX XXXXXXXX as part of a bail settlement stemming from a recent class-action lawsuit. I endorsed the check and deposited it online into my personal account with Chase. Soon after, I found my account frozen, and I received an email stating my account had restrictions. 
On XX/XX/XXXX, I contacted Chase to explain the situation. They advised me to visit a local branch with my identification to resolve the issue. I followed their guidance and visited a branch on XX/XX/XXXX, where I explained the circumstances to the representative. Interestingly, they mentioned uncertainty about why I was directed to the branch and suggested contacting Chase over the phone. 
The branch representative made a call to Chase on my behalf and asked a series of questions. Following this, they conveyed that Chase would not only hold the funds from the check but also freeze the funds I had in my account prior to the check deposit. Chase informed me that unless the payee could verify his identity and provide a confirmed contact number, they would close my account and retain the {$3500.00} check indefinitely, with the possibility of handing it over to the state after XXXX years. Furthermore, they indicated that I would no longer be eligible to maintain an account with them. 
I have been a loyal Chase customer for over XXXX years, and this situation is causing me a huge financial strain and inconvenience. The fact that they won't even return the verified check is beyond me. This has put me in a difficult position, and I am left with limited options. I believe the situation is unjust and unfair. At this point, I am unsure about my next steps and which is why I am filing a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Name : Premier XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of EDXXXX XXXX XXXX XXXX Account Name : 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 an 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 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (WA)

I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank USA, regarding serious violations of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I believe these violations have caused significant harm, including retaliation and financial damages. 

On XX/XX/, I was approved for an Apple Card credit account with a credit limit of {$10000.00}. However, Apple Card failed to provide me with the required GLBA compliance disclosure regarding my right to Opt Out of third-party sharing of my personal information, as mandated by 15 USC 6802 of the GLBA. Despite my subsequent exercise of this right by mailing a notice to Apple Card, explicitly denying consent to share my personal information with third parties, Apple Card reported my account information to the top three Credit Reporting Agencies ( CRA ) without adhering to my Opt Out request. 

Recognizing this as an impermissible disclosure of my personal information and identity theft, I promptly disputed these items with the CRAs and provided them with copies of my Affidavit and the Federal Trade Commission ( FTC ) Identity Theft Report. As a result of my dispute, the account and related inquiry were immediately removed from my credit reports.

In response to my exercise of privacy rights under the GLBA and FCRA, Apple Card, issued by Goldman Sachs, engaged in discriminatory actions against me, constituting a violation of 15 USC 1691 ( a ) ( 3 ). Apple Card retaliated by closing my Apple Card account, citing " There was a failure to comply with the terms of the Customer Agreement. '' I wish to emphasize that the Customer Agreement 's section on " Credit Information & Credit Reporting '' does not provide a compliant GLBA and FCRA disclosure, which is required by federal law. This disclosure should clearly explain consumers ' rights under the GLBA, specifically the right to Opt Out of third-party sharing, and the consequences of non-compliance by the financial institution.

Furthermore, after closing my account, Apple Card re-furnished the account information back to my credit report as " verified. '' This action is unwarranted and in direct violation of the FCRA, given that my dispute led to the removal of this information.
Consumer complaint received 2023-04-20
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX 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 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (MO)

I currently have a loan with ally financial. There has been a bankruptcy filed after repossession placing an automatic stay on the car. By law the car has to be returned to the owner fee of charge as past due amounts are addressed in the payment plan. It's been over a week and despite providing case numbers and notice of bankruptcy no one can tell me about my vehicle. No one not even their legal team knows. I've been on the phone over 7 hours a day now ffor over a week. This is not a comforting feeling.
Consumer complaint received 2022-12-08
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. (CA)

XXXX, XXXX and XXXX XXXXall have either incorrect payment histories, incorrect payment amounts owed and due also incorrect account statuslistings.
Consumer complaint received 2023-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I checked my credit report and looked on my soft pulls. Portfolio Recovery is spamming soft pulls. I do not have any account with them on my credit report or authorized this company. Why would they be doing that? 

PORTFOLIO RECOV ASSOC Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why the heck is Portfolio Recovery doing Soft pull spams on my account? 
A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ).

If the debt collector does not have active collection authority on a debt of the consumer, they have no permissilbe purpose. 
The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report.

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.
Consumer complaint received 2024-04-04
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. (AZ)

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 2023-07-28
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXXXXXX : {$910.00} ; XXXX XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX XX/XX/2021.
Consumer complaint received 2023-10-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I got a gift card from amex with {$20.00} on it. I can't use it anywhere. I tried calling their number and they don't have a talk to representative option and the only options are 1. Activate card/ View Balance 2. Report card lost or stolen
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

My acconts have been removed from my Equifax report. 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. PLEASE ADD THESE ACCOUNTS BACK
Consumer complaint received 2023-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (SC)

I had a loan with American credit acceptance, not long after I got the car, I lost my job, fail behind, keep paying and paying and then had to refinance to get caught up.. Then I got XXXX I missed two weeks of work, holidays hit. I got behind but I was paying {$100.00} or more every time I got paid. I dont know what kind of interest charges I was paying. Cause it was like nothing I was giving was going towards any of my payment. They kept telling me I was two and three months behind. Would not work nothing out with me. Then next thing I know they picked up my car.. Ive emailed them several times. Got nothing. I kept asking for number for the local office but i would get told there was not one. I bought the car at XXXX finance through American Credit Acceptance. They pick the car up about 2 or 3 months ago. I dont know what to do. They know pandemic hit. And everyone was struggling. Also I informed them over and over I work third shift. It was hard for me to call them before they closed. I even tried reaching out to someone on their XXXX account. But would never get a response.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX this needs to be removed
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  this needs to be removed
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.