davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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. '' ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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 instructions of the consumer to whom it relates. '' ( XXXX XXXX/XXXX  ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services.
Consumer complaint received 2023-12-19
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. (MD)

Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from XXXX XXXX XXXX and Experian from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NJ)

This is regarding prepaid card ( XXXX $ ) issued to my family for a settlement and card is managed by Blackhawk network holdings. As per the terms and conditions of the settlement the card can be used by anybody ( friends/family ) provided it is activated and registered online until the card expires in XX/XX/XXXX. The card was activated and registered to my name and address about 4 months ago .The card has been suddenly rendered unfunctional by Blackhawk network holdings since XXXX when i tried to do a transaction on XXXX XXXX The company never informed me anything about this or any other issue with the card. I checked the balance before doing the transaction and i only found out after calling them when the transaction got declined. After much back and forth i was told that it was automatically blocked by system to protect my funds because the system detected the use of some spoof website. I explained to them that XXXX is not a spoof website and they refused to unblock the card until they receive my details like Govt issued id, utility bill etc to prove ownership after which they promised to reissue a replacement card asap. This all has been documented on email attached here ( both the reason for the block as well as the reissuance of the card once i provide them the details matching the registration on the card ) Although these details were provided promptly on XX/XX/XXXX and match the name and registration on the card they have still failed to respond and refused reissue my card for use and give me the run around each time i contacted them. The company has effectively stolen my funds and refuses to do anything about it
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advanced Resolution Services Inc. (OH)

Re : Identity Theft Recovery To whom it may  concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Consumer complaint received 2024-04-07
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX gave me XXXX XXXX  cash bonus for my XXXX spend. I spent that money, after 8 months, I visited my country, I've asked if they charge foreign fee, and they said " yes. ". Then I closed my account. They did not say or informed me to return this XXXX $ ; if I close the account less than a year. I said I used this card, and I spent more than XXXX XXXX and I was not informed, or I signed any document. 

In this case I told them to refund an amount of XXXX $ ( XXXX of XXXX $ ), and they refused. 
Afterwards they sent me {$1.00} check, with an apology letter. 

But today I noticed that I owe more than {$300.00} ( with interests ). 
I did not get any credit from XXXX ; only cash bonus. But they charge an interest every month.And they informed this to credit offices. 

How can I cancel this misinformation from 3 credit offices?
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc. (MA)

i went to ATM to withdraw, some money the machine kept my money. 
I filed a claim the bank never give my money back. 
The name of the Institution XXXX Branch hosted by XXXX. 
the amount was {$400.00} dollars.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these account on my credit report. 

TransUnion : XXXX Account XXXX : XXXX {$12000.00} XX/XX/year>
Consumer complaint received 2023-12-13
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. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

The company MIDLAND CREDIT MANAGEMENT did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Consumer complaint received 2024-04-07
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)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. EXPERIAN and XXXX are third party companies.
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I made a payment on my care credit card. I pay the same way every time I pay. This time my payment was for {$1200.00}. I have been paying with the same bank account ( dont have to enter the information on the app its saved ) since XXXX of XXXX. Back in XXXX of XXXX my bank account had been hacked and was closed and a new one opened. Ever since then my payments have been coming out of the new account, so for the last 2 years. Synchrony ( owns care credit ) had been using my new account and they are trying to tell me that the {$1200.00} tried to come out of my old account. I dont have the ability to change the payment unless I am adding a new payment. They also closed my discount tire card after I had just paid it off. I have never made late payments or had any issues until now. They are telling me that even though the admit it was their fault they NEVER reopen account. I am a single mom and this car is used for our XXXX XXXX  dogs. Like when my daughters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it was {$6000.00} to be removed or he would die. It has put so much stress on me that it has put me in the hospital and I have lost my job because of being out of work for so long. Im on XXXX XXXX XXXX meds to help but its not working. I have other credit cards and I have never had an issue with any of them. Synchrony also closed my discount tire card after I had just paid it off. They refuse to open it back up even though there has never been an issue with it. They keep telling me once they close a card they never open them back up. I have the proof of most of the payments ( the ones I could find ) that I will attach. If nothing comes from this I will be taking them to court.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC. (IL)

On XX/XX/XXXX I opened an installment loan with Sunloan Company. On XX/XX/XXXX Sunloan company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.
Consumer complaint received 2024-04-07
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. (FL)

I am writing to request information about my credit report in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ). Please provide the following details related to my credit report : * A complete and accurate disclosure of all information in my credit file. * The sources of the information in my credit report. * The names and addresses of any third parties who have received a copy of my credit report within the past six months ( or two years for employment purposes ). I am exercising my rights under Section 609 of the FCRA, and I understand that you are obligated to furnish this information within 30 days of receiving my request. Enclosed is a copy of my identification for verification purposes. I kindly request that you provide me with copies of the documents currently in your possession, as of today 's date, that were used to verify the accuracy of the accounts listed below. As per the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request the disclosure of all documents recorded and retained in your files concerning these accounts at the time of this request. I urge you not to simply confirm the verification of these accounts but, in accordance with my rights under the mentioned act, to furnish me with the actual documents used for verification. If, upon review, you find a lack of documentation in your files to validate the accuracy of these disputed accounts, I insist that you promptly delete them as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). The inclusion of these inaccurate and unverified items on my credit report, distributed to third parties, has the potential to damage my reputation and creditworthiness. According to FCRA 15 U.S.C. 1681i, all unverified accounts must be expeditiously removed. Therefore, if you are unable to provide verifiable proof for each of the accounts listed below within 30 days of receiving this letter, I request the immediate removal of the account from my credit report. 

XXXX XXXX XXXX Account : XXXX I appreciate your prompt attention to this matter and your cooperation in providing the necessary documentation within the stipulated timeframe. Your assistance is crucial in resolving these discrepancies and ensuring the accuracy of my credit report.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, XXXX XXXX stole money from me. XXXX chose the method for payment for the shoes. I do not know XXXX -- he is not a family or a friend. When payment was made for shoes using my credit card, it was done by a XXXX  ( a XXXX XXXX XXXX ). The XXXX did not chose the method of payment. XXXX XXXX sent him a link to make the payment for the 100 pairs of shoes. He can not try to hide the behind the payment method he chose for the shoes. 

This transaction is a fraud in the inducement : ( XXXX ) XXXX tricked a XXXX XXXX XXXX ( who can not legally enter into a contract ) into using a payment method for which he was not authorized and ( 2 ) XXXX never had an intention of sending shoes. 

I contacted American Express XX/XX/XXXX and they are rebilling me for the charges. I NEVER received the merchandise. AMerican Express should not make me pay for items not received. 

AMerican Express has become a co-conspirator in the fraud being perpetrated by XXXX XXXX.
Consumer complaint received 2024-04-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-07
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. (FL)

Experian ceo XXXX XXXX send copy to. 15 usc1681 b ( 2 ) any negative item that a company reports to your credit report without your written consent is considered identity theft and fraud ( permissible purpose ). 15 usc 1681n if the credit bureaus do not delete your negative items after you dispute them, they will owe you a {$1000.00} per item. Civil Liability for willful noncompliance. 
15 usc code and 1682c-3 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reception. It has been 30 days and you are in violation of this law because I am a Victim of identity theft!!! Please delete these items immediately. These accounts should not be furnished on any consumer report as they are in violation under 15 usc 1681n permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions to report anything or my consumer report which city rights as a federal protected consumer. No constant is identity theft. As a consumer I am demanding that you delete all of these accounts immediately. 

I am a American state national. I have a fee schedule that states I can charge you with {>= $1,000,000} for billing my trust plus {>= $1,000,000} each for racketeering and fraud {>= $1,000,000} plus.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (AL)

This is in response to CFPB complaint XXXX. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim. Also you have no legal standing to collect in Alabama or New York. This is a cease and desist!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (RI)

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw two affirm accounts and disputed on XXXX as well as called affirm... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report XXXX need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in Rhode Island ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no affirm account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is XXXX  my score ....
Consumer complaint received 2023-02-12
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.