davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I used XXXX 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted XXXX and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after XXXX  days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the XXXX days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called XXXX and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with XXXX. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.
Consumer complaint received 2023-10-12
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: Cascade CISS Holdings, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not request any loans and do not authorize any pulls of my credit from this company. Please remove inquiry. I have contacted the bank and they have no record of my inquiry.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-12
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. (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 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 2023-10-12
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)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.
Consumer complaint received 2023-10-12
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. (TX)

I Need Transunion to remove first premier bank off me accounts I show proof that its should be removed. Im writing I request them to remove of unauthorized credit inquiries syncs XXXX XXXX XXXX XXXX credit acceptance XXXX XXXX First premier bank
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/23, I was over an ex-friend of mines house and spent the night. I woke up the next day and left. While driving away, I checked my account and seen that XXXX was withdrawn from my account via debit. I also seen a pending transaction from XXXX for XXXX. I did not authorize neither of these. I immediately called my bank and XXXX. The operator told me that it was not an emergency and I dont have proof of who did it so theres nothing they would do. I called my bank and informed them about what happened. They immediately told me that since it was a debit, there will be no refund and nothing can be done not even a police report would help. I tried to cancel the XXXX  XXXX withdrawal because it was still in pending status. They said I have to wait until it posts and then put in a claim. I did and they denied the claim.
Consumer complaint received 2023-10-12
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)

Why do you keep on closing my complaints?! I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute.According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XX/XX/year> I received an email that my " Chime Credit Builder Secured Visa Credit Card '' application was almost complete and, around the same time, a text message that my Chime account was ready. 

I immediately called the Chime customer service number to request that the account be closed and marked fraudulently opened, since I didn't open the account myself. They complied and sent me confirmation that it had been closed and that I wouldn't be liable for any fraudulent charges incurred. So, no financial damages occurred since I was able to act quickly. 

However, what is especially concerning to me is that I have a credit freeze with all three credit bureaus ( as I know my information was stolen in the XXXX breach and I've had issues like this in the past before freezing my credit ). I learned that Chime doesn't do a credit check/pull before approving this type of credit card, so the freeze is useless in this case. Ironically, when I received the confirmation of account closure, it had several tips for avoiding fraud such as instating a fraud alert or a credit freeze. 

If they wish to not hold someone's poor credit against them ( as seems to be the case with this kind of card ), they should still do a credit pull to ensure verification and security/enable people to see an alert if someone is trying to fraudulently use their info to open an account!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I have coresponded with Nordstrom and their collection agency for months to update my credit report and they continue to report inaccurate information. The last request was on XX/XX/year> with no response to my phone calls or letters.
Consumer complaint received 2023-10-13
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)

XXXX XXXX Transunion XXXX XXXX and XXXX have violated my rights as a consumer under FCRA 15 U.S.C. 1681e ( b ) " ( b ) Prompt reinvestigation of disputed information. After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In essence, 15 U.S.C. 1681e ( b ) requires the following : When a consumer disputes the accuracy or completeness of information on their credit report, the consumer reporting agency ( CRA ) must conduct a prompt reinvestigation. 
The CRA must complete this reinvestigation within 30 days from the date it receives the dispute notice from the consumer or reseller. 
The CRA must determine whether the disputed information is accurate and must update the consumer 's file with the current status of the disputed information. If the information is found to be inaccurate, it should be deleted. 

If the CRA can not verify the accuracy of the disputed information during the 30-day period, it may be required to remove the item from the consumer 's credit file. 

Please see attached copy of reporting errors still on my credit report there are multiple violations and I demand this account to be deleted from my credit report. 
Listed below are the inaccurate information. 
1. Full account number not provided.

2. Account status different across all 3 agencies.

3.High Credit -incorrect 4.Date Opened -incorrect 5.Date of last activity -incorrect 6. Last Reported date-different across all 3 agencies.

7.Comments-different across all 3 agencies.

8. Account status I demand this account to be deleted or face legal actions.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrect.XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, TX XXXX. I do not live or ever lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 
Please update this information on my credit. I have provided my drivers license in the attachments.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrect.DANATE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is 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 
Please update this information on my credit. I have provided my drivers license in the attachments.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : 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 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (NY)

I lost my wallet, XXXX - XXXX all my credit cards and money and identification. 
A representative called me and stated someone is using my card or cards!! 
They purchased {$750.00} of XXXX and {$350.00} of sneakers and other things!!! ( XXXX XXXX )! 
I then called all my credit cards fraud departments!! 
XXXX XXXX, and XXXX XXXX XXXX!!! 
So since I called all my credit cards fraud dept they just send it to anther credit collections agency and report to all 3 credit reporting agencies without answering any questions concerning unauthorized use from the Police Report also not following the instructions of FCRA AND CFPB LAWS!!! 
XXXX ASKING TO STOP MAILING ME LETTERS AND REMOVE MY INFORMATION FROM ALL XXXX CREDIT REPORTING AGENCIES!! 
XXXX, XXXX AND XXXX!!! 
HERE IS MORE LETTERS FROM THEM AND THE POLICE REPORTS OF UNAUTHORIZED USE ON THE POLICE REPORTS
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC (AR)

DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL ABOUT IM HAVING PROBLEM ISSUES WITH AND BUSINESS COMPANY GOES BY THE FIRM NAME OF CERTEGY PAYMENT SOLUTIONS LLC SO ASLO I CAN PROVIDE MORE IMFORMATION ABOUT THIS TYPE OF BUSINESS SO THIS BUSINESS PROVIDE CONSUMER REPORT REGUARDING FINANCIAL DATA FROM BANKS CHECK CASHING MERCHANT RETAILS STORE LOCATION LIKE XXXX XXXX XXXX CHECK CASHING SERVICES SO THE MAIN PROBLEM ISSUES IM HAVING WITH CERTEGY PAYMENT SOLUTIONS LLC SO THIS BUSINESS AGENCY PROVIDE CONSUMER FINANCIAL DATA TRANSACTION REGUARDING DECLINE CHECK CASHING FEES SERVICES SO I WAS RECENT TRIED TO CASH AND CHECK AT XXXX RETAIL STORE LOCATION IN MY LOCAL AREA SO THE CHECK ENCLOSE WAS ISSUE FROM UNITED STATES POSTAL SERVICES CHECK DATE ISSUE XX/XX/2020 CHECK AMOUNT {$31.00} CENTS BANK NAME LOGO ISSUES CHECK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX ZIPCODE CHECK ENCLOSE WAS MAIL FROM UNITED STATES POSTAL SERVICES LOCATION XXXX MN XXXX ZIPCODE CHECK VOID AFTER ONE YEAR TREASURER SIGNATURE XXXX XXXX SO I HAVE BEEN HAVING SOME DELAY PROBLEM ISSUE WITH THIS BUSINESS CORRECTION MY CONSUMER CREDIT REPORTING FILES IN THERE COMPUTER SYSTEMS SO EVERYTIME I TRIED TO CASH CHECK AT XXXX STORE LOCATION CERTEGY PAYMENT SOLUTIONS LLC ALLWAYS DENIED CHECK FOR WHAT REASON I CURRENT DONT KNOW