davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 ) y ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (IL)

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

XXXX XXXX XXXXXXXX reference number XXXX XXXX XXXX XXXX reference number : XXXX XXXXXXXX XXXX XXXXXXXX reference number : 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 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 ) y ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (FL)

This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (WA)

1 ) XXXX, XXXX XXXXSent funds {$1000.00} to my account by XXXX XXXX 2 ) over the next 6 days until XX/XX/2023, I kept receiving emails that my funds have been successfully sent to my bank and I will be advised when the funds would be available. 
3 ) I called daily only to be told that there were technical hitches and that they will be resolved soon 4 ) Final email sent to me today, XX/XX/2023, said my funds were delivered into my account and that this transaction is NOW COMPLETE- I have NOT RECEIVED THESE FUNDS YET.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (GA)

On XX/XX/1922 I received correspondence from XXXX about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. XXXX informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX XXXX is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if XXXX was suppose to have been opened on XX/XX/XXXX when I called them.
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.
Consumer complaint received 2023-04-12
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: U.S. BANCORP (LA)

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ELAN FINANCI. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ELAN FINANCI for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (VA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

It happened on XX/XX/2022, after I received a letter to purchase {$1500.00}. XXXX American Express gift cards at a XXXX XXXX to XXXX  shop it. As soon as the gift card numbers were e- mailed to the scammers, the balance went down to XXXX. I already called all the American Express ' customer service numbers I could find, wrote letters, took pictures of the gift card numbers, submitted receipts and handsigned a request for a refund but to no avail.
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

I purchased XXXX XXXX XXXX XX/XX/XXXX financed by citizens one bank. Between the insurance and gap company i am in process of paying off the loan. Ethos group whois my gap insurance provider issued citizen one a total of 3 checks on XX/XX/XXXX. one for the amount of {$930.00} one for the amount of {$3100.00} and one for the amount of {$530.00}. For some reason the {$530.00} was not credited to my account. I waited about 2 weeks to see it this amount would be posted. i contacted both ethos group and Citizen one to resolve this issue. ethos provided me with proof of payment. I began the process as advised to cancel check to send new check to citizen one. I am unable to cancel check because ethos group provided me a copy of the check that shows proof that it was cashed by citizen one. by looking at the copy it appears that the 4th number written on the check by the servicing center of citizens one may mistaken for another number leading to this check being credited to the wrong account
Consumer complaint received 2023-04-12
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX, and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : 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 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear XXXX, On XX/XX/2022, I sent via Certified Mail Return Receipt Requested a letter to Transunion listing all the errors on my credit report that they have been reporting for years. On or about XX/XX/2022, I mailed, via regular mail, a copy of the above-mentioned letter again given that I did not receive a response from them. to no avail. 

For your ready reference, I am attaching a copy of the letter I sent to Transunion to no avail. Transunion illegally keeps on reporting erroneous information on my credit report.
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (FL)

{$460.00} owed. This is a medical debt. New law states that this shall not be reported ; however 3 attempts to get this company to stop reporting it have been unsuccessful.
Consumer complaint received 2023-06-05
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: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I have 23 late pays on mortgage from Carrington. The payments are auto deducted. We have complained repeatedly and nothing done. I need a loan today and I cant get it because of this XXXX.
Consumer complaint received 2022-11-08
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I received a letter XXXX years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX to XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now XXXX years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Consumer complaint received 2022-11-08
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I have contacted Discover credit card starting last summer of 2021. I got the erroneous and fraudulent item removed from my credit files with XXXX credit bureau. I then tried to contact XXXX and XXXX, to do the same but there was no deletion. I still contacted Discover to remove the item, letting them know I never applied for or recieve any card, that showed up on my files. I even asked the representative to send me verification of my wet ink signature or any information with my identifying marks and they never respond, either by email or regular mail. This erroneous and fraudulent information is hindering me to get a better paying job, to support my family, and be a more productive citizen of this great country.
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (NV)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (VA)

Ms. XXXX XXXX, Director Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named XXXX ), its crony bank ( Synchrony ), and the retailer ( Gap   which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from Gap linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from Synchrony ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as XXXX reports applicant is deceased. 
Well. When I received the latter I called XXXX on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called Synchrony where I was told, repeatedly, it was not their problem, I should call XXXX. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX Gap/Banana Republic to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the Synchrony credit card company. Ive actually been to the real ( rudely-called ) Banana Republic where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.