davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (TX)

The accuracy of the information has been questioned after a number of errors in the credit report were found while reviewing the specifics. 

This letter serves as a good faith request for your team 's diligent attention and scrutiny of these errors despite concerns about the system 's dependability. 

We would greatly appreciate your quick attention to these inconsistencies. These errors are seen as a flaw in a credit history that has otherwise been meticulously and carefully maintained. 

Moreover, take into account any potential repercussions from such mistakes. If errors have been found in this credit report, it's conceivable that other customers may be dealing with the same issues. The integrity of the entire system might be in doubt ; it's not just about one person. 

I bring this to your attention because it is crucial to correct these errors. These errors carry a sizable reputational risk, so it is important to take urgent action. 

We sincerely appreciate your patience and quick response.
Consumer complaint received 2023-10-09
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. (FL)

I've reached out to the credit report compony about the bankruptcy on my report and the accounts that are showing negative on my report and they refuse to show ownership or proof that they belong to me
Consumer complaint received 2023-10-09
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: SYNCHRONY FINANCIAL (IN)

Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

By the Fair Credit Reporting Act, this creditor has violated my rights. under 15 U.S Code 1681 Section 602 states I have the right to privacy.

15 U.S Code 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish my account without my written consent and instruction.

15 U.S Code 1666 B. A Creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2023-09-19
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (IL)

I have contacted Experian & explained that I have been a victim of Identity theft, I have sent you a police report, ID, social security card & identity theft report. You keep reporting the following accounts that I have requested that you delete & block in the past. These accounts for XXXX XXXX  {$300.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX, Along with several accounts from DEPT OF EDXXXX. These are not my accounts and I am asking that this information deleted & blocked from my credit report.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MI)

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XX/XX/XXXXHave the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XX/XX/XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor :XX/XX/XXXXXXXX ( Banking ) Past Due : XX/XX/XXXX Account Type : Open Account Individual Account Open Account XX/XX/XXXX On XXXX this account is listed as XX/XX/XXXX Original creditor : XX/XX/XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported asXX/XX/XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/XXXX of XXXX I went to federal prison and had a chime bank account when I got there all my property was sent to my sister 's house she never got the package that contained my wallet my cell phone bank cards social security and drivers license XXXX I got out in XX/XX/XXXX I discovered everything was gone XXXX from the bank acvount.turns out after looking at the statements someone from the neighborhood took the package from her porch and cleaned the account out I know thus because he put his name on it when I reported this to the bank they told me they would investigate the matter I sent them documents from the dept of Justice supporting where I was for thst year and documents about the individual who did it was in custody of the state of Texas for id theft in which he was arrested and out serving 6 years right now..they told me they found no errors.thats outrageous please help
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC. (PA)

This complaint does not exactly match the options given on the previous screens. 

To be clear, I'm filing a complain against SANTANDER BANK but I am NOT a direct customer of theirs. I will put my mailing address in the next screen. 

The issue is I wrote a check on XX/XX/XXXX, # XXXX, for {$46000.00} from my XXXX bankd account to my contractor exactly as he requested : XXXX XXXX XXXX XXXX. The previous 2 checks I wrote to him were exactly the same, and Santander Bank, where he banks, cashed them with no issue. 

XXXX said he's banked there for decades with no issue like this before. 

In XXXX, he called to say his account wasn't credited, that Santander was going to return the check because of the way it was titled, and could I please send another check to cover the amount I owed him. 

I decided to check with my bank, XXXX, to seeif the check had been cashed. It had and the funds were taken out of my bank account on XX/XX/XXXX. The bank advised me not to write another check. 

I called XXXX back, and he checked with Santander and found that they had, in fact, cashed the check and were withholding the funds from him, contrary to what they'd told him initially. 

It took him weeks to find out they were going to send a cashier 's check back to me at the main XXXX XXXX in XXXX PA. 

Monday, XX/XX/XXXX, my friend XXXX and I called XXXX to explain what I'd learned and to call me when the check arrived from Santander because I wanted to be sure it went to the correct account. They were highly concerned because at this point Santander had been holding the funds WITHOUT NOTICE TO ME and very little correct info to XXXX for almost 2 months. 

At the XXXX XXXX XXXX 's suggestion, I called my local branch manager who suggested I have a joint call with me, my friend XXXX who helps me with paperwork, the XXXX branch manager, the Santander bank branch manager XXXX XXXX. 

My friend XXXX called and the bank manager XXXX XXXX called her back shortly and we told him we had him on speaker so I could hear and described why were were calling. He immediately said he would not talk further to us, to our bank manager and " This was XXXX XXXX 's fault. Did he tell you that? '' He proceeded to comment further about he'd kept XXXX XXXX informed the entire time. I said XXXX had to constantly check in with Santander to find out how they were going to get the money back to me, and that the issue was that Sandander was holding MY {$46000.00}, and I had no way to check on MY MONEY! 

As of today, XX/XX/XXXX, I still do not have the money back into my account, and no way to find out exactly how they were sending the money, exactly when they were sending the money, and the form it was going to take. Santander did not provide XXXX with a tracking number or any more information other than it was going to XXXX in XXXX within a few weeks ( as of XX/XX/XXXX ). 

XXXX XXXX will be filing a complaint as well. His email is XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

Experian, XXXX and XXXX have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my credit score. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IA)

I closed my account with US Bank several years ago and now I can not open a bank account with any bank until I pay US Bank {$330.00}. I closed my account on good standing and this has only become a problem with other banks within the last year. They said that they can not tell me why I owe the money as it has been too far back ( 2014 ), but that I owe {$330.00} and the only way that they can remove the debt is for me to pay it in full.
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (FL)

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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 XXXXXXXX
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: Experian Information Solutions Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

86
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I was charged fraudulent by XXXX XXXX. I dispute this charge.But Citi Bank was unfair dealt with.XXXX  XXXX XXXX XXXX doesnt repair my car at all, But XXXX XXXX  company forced me to take out my credit card to pay in XXXX.I disputed $ XXXX XXXX  company threatened me.Citi Credit Card company was unfair in handling my dispute.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.

( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.

( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false. 

( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.

Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (TX)

Let me raise a concern about the discovery of unreliable information within my credit report, as a careful examination has revealed certain inaccuracies capable of negatively impacting the credit score. 

Understanding the importance of consumer rights, it is essential for this concern to be addressed transparently and justly. My wish is to resolve this matter without resorting to more extreme measures. 

Your prompt attention to this matter would be highly appreciated. Please look at this as a sincere appeal from a client asking you to address the situation. Errors in credit reporting are not a simple problem, as they can significantly hurt an individual 's financial future. 

Mistakes are inevitable, yet when they occur, they can be harmful. Trust is placed in credit reporting agencies as credible and precise information providers. The violation of this trust is a concern with extensive implications. 

Consequently, it is hoped that this issue can be quickly and satisfactorily resolved, both for the personal benefit and the preservation of a dependable credit reporting system for all customers. 

Your time and anticipated cooperation are greatly appreciated. Eagerly awaiting a swift resolution to this matter.