davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (PA)

Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response
Consumer complaint received 2024-03-13
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: LEXISNEXIS (GA)

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my consumer report, my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXthere should be no other address listed on my report. Remove any phone numbers they are not mine.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are alleging I owe a debt that I do not. Neither credit bureau has sent me any evidence to support this claim and furthermore the note that is being used is the security that belongs to me. This debt has been canceled with the IRS and reported as income so therefore it can not be reported.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

On the XXXX XXXX XXXX XXXX, credit accounts with XXXX XXXX XXXX ( XXXX ) were converted to credit accounts with a bank called : XXXX  ( XXXX  ). By XXXX, XXXX began reporting XXXX credit accounts to the credit reporting agency : Experian ( XXXX ). Despite multiple requests with XXXX XXXX XXXX to correct this error ; and, submitting disputes through Experian directly, XXXX has continued to report XXXX different accounts with different balances to Experian. This has negatively impacted my credit for approximately XXXX months now.
Consumer complaint received 2023-12-01
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. (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Consumer complaint received 2023-12-01
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. (NY)

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

After getting various mail offers from them, I applied for a business credit card with American Express the first week of XXXX of 2024 and was denied due to the length of my own personal accounts being opened and because of the balance being higher than they'd like on some of the credit cards. 

Banks are required by law to provide small businesses XXXX funding without showing documentation as long as an XXXX and EIN are in place pursuant to 12 USC 1431 .
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from XXXX XXXX XXXX, I.C. Systems, INC and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My dispute started over 3 months ago as I requested both XXXX and Trans Union to investigate the accuracy of the XXXX items above. Attached to this complaint, you will find a total of four letters confirming what I was disputing above, as well as letters requesting the credit bureaus to send me a description of their reinvestigation procedure per the FCRA 611 15 USC 1681i ( a ) ( 7 ) Description of Reinvestigation Procedure ( 15 Day Time Frame Requirement ).

( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


XXXX received my Certified Mail request on XX/XX/2023, and Trans Union received my Certified Mail request on XX/XX/2023. With today being XX/XX/2023 both XXXX and Trans Union are now in violation of my consumer rights. Therefore, Im requesting that both XXXX and Trans Union remove the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  off my credit report as soon as possible. Also, since they are both violating my consumer rights, Im requesting that you ( CFPB ) take action against them if they do not remove the two above-requested trade lines off my report immediately and send me a new credit report confirming their actions. I appreciate your assistance in this matter!
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

National Credit Systems is reporting to credit agency a debt that is not mine, I sent them a mail to send me documents to prove that this debt is mine, They sent me a document with someone else name on it and a address i never lived before. This is Unfair and causing a lot of damage to my credit report and my access to credit. I've attached copy of the mail i received from them. 

I had identity issues in the past and i sent them copy of police report and FTC report.
Consumer complaint received 2023-12-01
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-12-01
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

This bank called citibank closed my account in XXXX  and they have not given me my funds from the account that closed the account XXXX that was my account number this bank did not give me my funds and when I call they only transfer me but they do not They say nothing about my funds when I call the bank and I go to do so, they simply direct the call but they don't tell me absolutely anything about where my funds are, they always tell me that they are going to send me a letter within five to six business days but The letter never reaches me, my name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Torriere Holdings INC (OR)

XXXX SRS has contacted me and my family members by phone and text often before XXXX XXXX and has refused to cease communication by phone. They have made contact more than 3 times per day. I have never done business with this company and do not owe them a debt
Consumer complaint received 2023-04-27
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. (PA)

After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXXXXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.
Consumer complaint received 2023-12-01
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. (OH)

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 2017-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Avant Credit Corporation (OH)

The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.
Consumer complaint received 2024-02-08
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. (IL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDLUENT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2023-12-01
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)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I currently have an Amazon Store Card issued by Synchrony. My problem first originated over a month ago by Amazon on XX/XX/XXXX. I ordered a XXXX XXXX using the Amazon Store Card which was shipped but never delivered to me by their in house delivery company. After reaching out to Amazon Customer Service a few days after the expected delivery date, I was told they have to wait 30 days from date of purchase before they can issue a refund. I did unfortunately made the mistake of ordering another XXXX XXXX in hopes to replace the item that never arrived. The second XXXX XXXX did arrive and I held on to it unopened as I waited for resolution of the lost unit. After a few weeks of going back and forth with Amazon regarding the lost product, I decided I didn't want to keep the second XXXX as their customer service left an awful experience for me. The second laptop was returned and I received my refund posted to the XXXX XXXX on XX/XX/XXXX. At which time, the Synchrony app updated the minimum payment due from the original {$630.00} down to some amount in the {$400.00} range. I was relieved to see they would adjust the minimum payment due as a large refund took place. 

On XX/XX/XXXX, a full month after my original purchase, I contacted Amazon again asking for my refund. At which time, the customer service agent assured me I will get my refund, which again never came. I reached out 5 days later on XX/XX/XXXX and again a customer service agent assured me I would get a refund. However due to my previous experience, I requested to speak to a supervisor to get my refund. The supervisor was able to issue my refund during our conversation with no further issues from Amazon themselves. After the second large refund posted to my account, the Synchrony app again updated the minimum payment due to {$210.00}. A couple days later on XXXX XXXX, I manually paid the {$210.00} minimum payment through the Synchrony Mobile App. I thought my ordeal was done with this saga.

However two days later on XX/XX/XXXX, Synchrony debited my bank account for the {$410.00} difference from my manual payment to the original minimum payment. When I called Synchrony customer service, why their App was showing an updated minimum payment while they billed my bank account for the previous minimum. The agent said, something in the tune of " you should not trust the app, and only check your account information on the website ''. The customer service agent consulted with others on her team and said they can not return the extra payment since the minimum payment hasn't changed. 

The app I've using the entire time was the Synchrony App, not Amazon app for clarification. If their own app was showing an updated minimum balance from large refunds it would be natural to believe that Synchrony was updating the minimum due in their systems. It is extremely deceiving to have their own company app show a decreasing minimum due from large refunds if such changes were not occurring in reality.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (TX)

15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.
Consumer complaint received 2023-12-01
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.