davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. Credit Acceptance knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.
Consumer complaint received 2023-06-12
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. (CA)

When I received a copy of my credit report, and I noticed some accounts on my consumer report that had inconsistencies that should not be on there, I disputed them. The CRs did nothing to fix the problem. 

The list of inaccurate accounts to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX These accounts have too many inaccuracies like payment history, date opened, date reported, date last active, date of last payment, credit limit, and past due amount.

15 U.S. Code 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instr
uctions of the consumer to whom it relates.

15 U.S. Code 1681i ( 5 ) ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CRs have no respect for the laws that protect the consumer.
Consumer complaint received 2023-12-27
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. (GA)

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Cash app representatives were very good with refunds until this month XX/XX/year> Used my card to secure a room at XXXX XXXX XXXX departure XX/XX/XXXX XXXX balance due..XXXX XXXX cash app charges my card XXXX XX/XX/XXXX card charged again XXXX XX/XX/year> hold placed against my card when I realized that I had been charged a XXXX hold called XXXX billing XXXX XXXX XXXX expressed my situation and was informed by the representative did I have cashapp without hesitation she informed me that she had been getting called along about transactions she said my current XXXX was charged again to my other card go to the front desk went to the front desk they reversed the charge and at XXXX est they attempted to charge XXXX cashapp to my card enough is enough I just want my fund 's returned
Consumer complaint received 2023-12-27
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (HI)

On XX/XX/XXXX I received a notice from Synergetic Communications saying they were collecting on a debt I owed. They mentioned a XXXX XXXX and. XXXX  XXXX XXXX XXXX. It said that I owed $XXXX  but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

American Express declined a {$15000.00} purchase from XXXX XXXX on today ( XX/XX/year> ), one of my suppliers for my business, AFTER they given me approval above my limit for a larger amount on Friday, XX/XX/year> ). Absolutely no other transactions were applied to that card after the approval because I did not want to cause the approval to be declined but it was STILL declined causing my company to possibly lose credibility with our supplier.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information was used to apply for credit. I am a victim of identity theft. Please remove and block these inquires from my credit report. 
XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXX ( Finance ) XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/ XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I signed up for the XXXX XXXX XXXX XXXX XXXX  online at XXXX XXXX XXXX 

On the website, it clearly states that if I spent {$500.00}, I would get {$75.00} statement credit and this could be repeated 3 times, e.g. I would get {$220.00} statement credit if I spent {$1500.00}. 

On the web archive version of the site XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you can clearly see that the promotion period is from XX/XX/XXXX - XX/XX/XXXX and they have since extended it to XX/XX/XXXX. 

I have since spent over {$1500.00} on the credit card and haven't received any statement credit. I reached out to the support via secured message online and was told I need to call XXXX. I called the phone number and was told they don't know anything about the promotion and was asked to call Sears at XXXX or XXXX. I called Sears and was told they can't do the statement credit and I have to call the credit card company back. Basically I am getting a run around and no one knows how to give me the statement credit. 

In fact, I learned about this promotion on the deals website " Doctor of Credit ''. As you looked through the comment section, you will see that I am not the only customer who are short-changed of the {$220.00} promotions. Several other individuals also complained they didn't received the promotion. Please see the link below : XXXX XXXX XXXXXXXX I would appreciate if someone from your team can help me resolve this issue. The only reason I applied for this card initially was to get the promotion and now I feel like I am being scammed into something I don't want. Thank you for your help!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-12-27
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: APEX Asset Management, LLC (NJ)

On or about early XXXX, Apex contacted me with regard to a debt alleged to have been owed. Exercising my rights under FDCPA I requested VALIDATION in a letter issued to them on or about XX/XX/2022. In that letter I also explicitly told them to cease any and all contact with me other than via mail. On or about early XXXX, they responded with information that a ) did not satisfy validation demand, and b ) made clear that personal medical records had been transferred to their possession a violation of HIPAA. I responded noting the violations, potential for fines of {$50000.00} per incident under HIPAA and demanded they cease contact. 
While the above was transpiring I continued to receive - and still to date receive - phone calls from one of their representatives, a " XXXX XXXX '', no doubt an alias, requesting contact. 
I explicitly in writing via traceable USPS delivery instructed them to cease contact with me via phone. In the XXXX letter, I explicitly told them to cease contact entirely. If they contact me again about this alleged debt that they did not remotely validate under the law, I will be filing suit and seeking damages for each and every phone call made in violation of my rights under FDCPA
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am aware that as per the regulations outlined in Section 15 U.S. Code 1681i ( 5 ), which addresses the " Removal of Inaccurate/Invalidated Credit Information , '' specifically under subsection ( A ), it is stated that if, following a reinvestigation pursuant to paragraph ( 1 ) of any consumer-disputed information, an item of the information is determined to be inaccurate, incomplete, or unverifiable, it is the responsibility of the consumer reporting agency to promptly delete said item of information from the consumer 's file.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: EAST WEST BANK (CA)

On XX/XX/XXXX I made a check to my logistics company with amount {$54000.00}, and then they cashed it on XXXX. But on XX/XX/XXXX, this check was cashed again, it was someone I don't even know. 
I found this fraud at XX/XX/XXXX afternoon, which was Sunday. So I called to my bank immediately, they told me I have to contact my branch manager. And I did, but he was not able to respond my call or message. And I reported this case to local police the next Monday XX/XX/XXXX. 
This forgery check has exact the same check number and amount, but the bank still let it cashed. And the bank asked me to reach my branch manager when I found this fraud, but the branch manager was not respond me at the time. So I do believe bank should be responsible for this fraud. 
When I requested the bank to reimburse the fraud amount, they refused and told me it was not their fault, they don't take responsibility for that. 
My bank is East West Bank.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I wish to emphasize that I have never purchased a car with Nissan Acceptance or Nissan, nor have I ever engaged in any transactions with your company. Therefore, it is evident that this account is fraudulent and unauthorized.
Consumer complaint received 2024-11-07
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. (CO)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2016-10-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.