davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Consumer complaint received 2023-06-01
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: Braviant Holdings, LLC (AZ)

I am in the process of trying to buy a home and everything was going great until my credit dropped almost XXXX points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?
Consumer complaint received 2022-11-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

During the year of 2017 I was XXXX  to XXXX XXXX XXXXXXXX XXXX XXXX. I was having XXXX  and they transferred me to XXXX XXXX XXXX XXXX. I had insurance through XXXX and it was paid in full. I was unaware of any lingering debt amount and was not aware of any collection proceedings until I acquired my credit report. I would like to put my debt under financial hardship and will need full support due to being unemployed and would like for my debt to be cleared and settled with all 3 credit bureaus.
Consumer complaint received 2022-11-29
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. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BAM Management US Holdings Inc. (CA)

XXXX XXXX XXXX XXXXXXXX I Withdrawal from my XXXX  account a XXXX tokens of Gala to my Binance account but they now say that money Lost because the token is old version but there's not any notice in the app, to specify wich kind of version they admitted and wich not, I was talking with costumer support and they send me a XXXX link. 
They should have the obligations to inform in app not in XXXX now I lost all funds because they even dont let the costumer to know about that information that in the app.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (IL)

I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management They accepted false allegations against me from a third-party and they did not verify the information they believe that third-party where they told them and they got that charges. Office charged me with theft and that is false because the third person who made them allegation. I have evidence photos of she has them cards in her hand, for that making them lie they are liable, third-party manager is liable for taking action and give it to the FTC and they are the ones who did it on me now who's responsible both of them
Consumer complaint received 2024-07-19
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. (VA)

I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to provide me with this documentation. You XXXX XXXX  XXXX XXXX ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 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 ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all 3 credit bureaus which is a violation of my consumer rights. Experian and XXXX are reporting late payments for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX while, XXXX is only reporting XXXX, XXXX of XXXX and XXXX of XXXX. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

This people send letter about a medical debt i am requesting info and they no respond i attach here the info i need, this violate Hipaa law. Also this account is the same i received from another collector " XXXX '' and the account was removed after my complaint NOW you tried to do the same!
Consumer complaint received 2023-06-01
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: I.C. System, Inc. (TX)

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. '' XXXX and XXXX 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. '' I.C. System 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. '' I.C. System the financial institution and the Consumer reporting agencies XXXX and XXXX 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 XXXX, XXXX, XXXX, I.C. System 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. I.C. System 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. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also XXXX2 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-12-07
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. (AL)

These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

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
Consumer complaint received 2018-04-12
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: EQUIFAX, INC. (NJ)

Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX  issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tried to use my card for a purchase. Denied. Called number in the back of my card. Told me to call EDD. For the last 5 days and countless hours, i have been trying to find out what is the problem so i can fix it. Everyone keeps telling me different reasons, which doesn't seem to be the case. My account is frozen. With funds available. I need to access them, but i cant do anything about it. Please help me.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Date of Transaction XX/XX/2023 XXXX approx. XXXX eastern time Location XXXX XXXX XXXX, XXXX, NY XXXX Terminal ID XXXX Claim # XXXX I made a {$400.00} withdrawal, only {$300.00} was dispensed. 

Multiple Calls have been made with Chase Dispute Team Phone # XXXX XXXX XXXX. 
1st call being XX/XX/2023 was told no claims can be made on the weekend 2nd follow up XX/XX/2023 ID XXXX was told the claim has been put in, representative stated they are unable to provide email confirmation 3rd follow up XX/XX/2023 ID XXXX Specialist let me know a credit of {$100.00} would be posted to the account within 10 days and provided the claim number also stated they are unable to provide email confirmation 4th follow up XX/XX/2023 ID XXXX Specialist claims there was a system error and did not provide information why the claim was closed. Let me know she would reopen the claim with them team. Specialists could not identify what steps the team would take to resolve the issue. Specialist was unable to send a confirmation email that the claim has been reopened XXXX. Although she did confirm I would be receiving a Credit within 2 hours and email confirmation by XXXX business hours approx. XXXX. 

More Info : The Dispute letter dated XX/XX/2023 No Action will be Taken The inquiry is now resolved ( see attached below ) I have asked for a full ATM Count Cash Dispensed Count ATM Video footage of dispensed cash Video of ATM Area
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

Bilt Mastercard ( run by Wells Fargo ) was negligent in their duties to offer functional payment of my credit card debt. 

1 ) Their Bilt Mastercard website redirects all autopayment requests to a cell phone app 2 ) But that cell phone app is faulty and doesn't allow me to login even though I'm using the same username and password as the Bilt Mastercard website So I was left with a broken system for setting up the autopayments and I struggled for weeks with trying to login to the Bilt cell phone app to get payments setup. 

This broken payment system went on until a late fee showed up. After that late fee showed up, I complained to Bilt Mastercard about their broken autopayment system, I paid necessary debt immediately, and they waived the late fee. But they left the late fee on my history. So now I'm left with harm to my credit history by having this late fee on my Bilt Mastercard history. 

So I request the CFPB help me request Bilt Mastercard to remove the late fee from their history, so that the credit agencies do not see any late fee history. 

Bilt Mastercard recommended that I setup a dispute to get my request accomplished. They agreed that I execute a CFPB complaint and that I send a dispute as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number : XXXX Card Number Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/1978 Fax to XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (PA)

On XX/XX/XXXX of 2023, The CONSUMER ADJ CO, who I've never heard of before, furnished private information about my credit without my written consent. This is in clear violation of fair credit reporting regulations as I was never notified by the company of my right to dispute this claim, nor was I given the right to opt out of sharing my information with nonaffiliated third parties, pursuant to 15 U.S.C. 6802 ( b ).