davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

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. 
XXXX Account # 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 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I requested two balance transfers for {$2100.00} and {$1500.00} on XX/XX/XXXX at around XXXX EST. The terms disclosed during the transfer ( screenshots attached ) were a 3 % fee, which was applied to my account ( as disclosed ) and a 0 % APR on these balances until XX/XX/XXXX. 
For some reasons, TD Bank  only " processed '' the transfers in the following days and is now saying the promotion had expired by the time they processed them. All this, in spite of the terms that were clearly disclosed to me during the transfer. As a result, they are now charging me 19.5 % on these balances. 
This is very deceptive advertising and, in my opinion, a gross violation of the most basic UDAAP compliance requirements. 
I contacted them and they have not agreed to their error or any corrective action. 
On a side note, their mobile app does not offer any payment option, the only way to pay is through the website, though the autopay system offered there does not work correctly. A double payment of $ XXXX ( statement balance amount ) was applied to my account in XXXX ( manual payment I made + remaining statement balance auto-paid 10 days later ). Not only their system doesn't process remaining balance amounts correctly but it applied a $ XXXX payment on an account with already a XXXX balance, which is a gross violation of the most basic AML rules. It took me 3 weeks to get my money back ... Their customer service is very inefficient. 
In my humble opinion, this card program should not be live to consumers.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am not liable for this debt of {$1000.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Consumer complaint received 2024-01-05
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. (WA)

XXXX failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.
Consumer complaint received 2024-01-05
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. (GA)

these companies ran my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are all unverified and unauthorized .... they are showing on TransUnion this company ran my credit without my permission also XXXX ) XX/XX/XXXXXXXX XXXX XXXX  account is being reported through XXXX
Consumer complaint received 2024-01-05
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. (PA)

I took a look at my credit reports and I noticed that there were some unauthorized inquiries. I have sent a FTC report and I haven't gotten a response nor a deletion of these inquiries. I then submitted another FTC report to remove these inquiries as it is identity theft. Pursuant to 18 U.S. Code this is Aggravated Identity Theft because these agencies have been made aware of the situation and they did not take action in correcting this issue.
Consumer complaint received 2023-09-07
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IN)

I placed an order and it was cancelled for address verification with no attempt to reach me. My card was authorized. The company will not reprocess the order per our agreed upon price and I do not think I should pay more because of their mishandling of credit information. Its a store card that has been saved in my store account for YEARS.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I put {$350.00} dollars in a Chase ATM at XXXXXXXX XXXX. on Saturday XX/XX/XXXX at the location on XXXX XXXX. The money never deposited into my account, and the deposit didnt register.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America {$320.00} from business account that was already resolved with police report due to check book being stole.They can tell me what the charge is from. Ive been calling for years.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping
Consumer complaint received 2019-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I mailed a certified letter to Transunion. The letter was regarding disputes for unauthorized credit inquiries. I requested an investigation for about 18 inquiries in XXXX. I received a letter instead telling me to write to each company separately to report unauthorized inquiries instead of Transunion doing an investigation and checking the validity of the inquiries.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I made two payments through my Citibank checking online app XX/XX/ for the amount of {$110.00} and on XX/XX/ for the amount of {$900.00} to XXXX credit card, Citibank sent paper checks to XXXX and XXXX XXXX bank says they never received payment. Ive been back and forth with Citibank and XXXX bank for over a month to try and straighten this out. Citibank keeps telling me its paid and XXXX says they didnt receive it. Citibank sent me copies of the paper checks it has no payee endorsements. I asked Citibank numerous times to start a fraud investigation, it seem like they dont want to. I dont even think Citibank has called XXXX XXXX verify. Please help if you can
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-08-13
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: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-07-25
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. (FL)

This is my complaint, I sent a letter to remove 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 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX BANK XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (PA)

I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, Equifax, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX  and it was supposed to have been fixed but still it is not fixed.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OR)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-15
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: Cascade CISS Holdings, LLC (KS)

This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX XXXX XXXX The second one is XXXX XXXX XXXX XXXX and XXXX The third one is XXXX XXXX XXXX XXXX XXXX XXXX The third one is XXXX XXXX XXXX the fourth inquiry was credit plus on XXXX XXXX XXXX XXXX I would just like for the inquiries to be removed thanks.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) 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 instructions of the consumer to whom it relates. 


If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering..
Consumer complaint received 2024-01-11
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)

These accounts have been charged-off, meaning it is now considered a certificate of indebtness & income, which should be reported with a 1099C. Income can not be reported on my credit report. 

XXXX XXXX Account : XXXX balance {$800.00} Credit XXXX XXXX Account : XXXX balance {$540.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. ()

I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.