davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (MI)

One Main Financial did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2023-07-26
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. (TX)

TransUnion is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified XXXX days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over XXXX days since TransUnion has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account XXXX Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : SXXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX  Account Number Listed : XXXX Date XXXX : XX/XX/XXXX Company : XXXX  XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OK)

Chase bank closed all of my accounts and wont give me a reason why. my partner and i both were targeted by this closure. they said they chose to end their banking relationship with us. we are a XXXX couple and don't understand why case would do this because they won't give us any information. we already tried to go to the Office of Comptroller of the Currency, and they suggested we go to you. I would prefer this be handled by my attorney XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXXXXXX XXXX and transunion did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports
Consumer complaint received 2021-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.
Consumer complaint received 2023-05-07
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S.C. 1692G - Requested Purchase agreements all attached never received?

- copy of payment history - name and address of original creditor - proff of claim 15 U.S.C. 1692k - civil liability They sending letters with there logo 15 U.S.C. 1692c - communication - requested cease communication form of reporting to credit bureaus remove accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections I feel alot of my rights have been violated under FCRA please help this is preventing me and my family from buying my house
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MI)

I was in a labor dispute with my union employer from XXXX till XXXX. I contacted the credit protection I was paying for on my harbor freight synchrony account and notified them of my issues. I didnt hear anything back, and got back to work paid the card off and forgot about it. Then I received a letter stating my payment will be posted to my account with in three days. I then realized that I in fact got reported late for my payments that were effected. So, I contacted them and requested my payment history be corrected on my reports and I applied to have the money that was now a credit on the account mailed to me. They sent me a letter asking me to prove I paid these funds about a week later. So, on my credit report it states 2-3 payments were late which I had credit protection so I should have no payments late or what is the money I paid for? Since then, they credited my account another XXXX.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

On or before XX/XX/2022 numerous unauthorized purchases were made to customers credit card totaling {$3700.00}. Customer and her attorney made numerous calls and have spent endless hours with various representatives of credit card company to no avail. The credit card company refuses to remove the fraudulent charges and is demanding payment. They accuse customer of being the perpetrator of the fraudulent charges.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-16
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: Merchants' Credit Guide Company (WV)

I, XXXX XXXX, have requested a debt verification letter from Merchants Credit Guide ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Phone Number XXXX XXXX XXXX XXXX XXXX, on 3 different occasions. I am told each time of a new issue as to why they can not verify my debt and/or send me this debt verification within 30 days. Each representative says they will request a new debt verification once again. This has been going on for months now. I have asked for this debt to be deleted as it is fraudulent and they can not provide me any verification and the company refuses to do so.
Consumer complaint received 2024-02-29
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. (OK)

looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to accounts being on my report that were open due to fraud. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX sent a letter asking them to send me documentation with signatures of all parties involved and I never received any documents. I have doine this a few times now as well as filed complaints to have these accounts removed through CFPB.

They sent me investigation back and said everything is accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still show on my report.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (IL)

I have a twin sister that open and account with XXXX time share and she used all my personal information her and a friend of her 's went out of town to XXXX XXXX and brought a time share i have since then file a report with Ftc, Attorney general office and experian along with i have a police report and made the other credit report agency aware i have a identity theft report also. i contact XXXX still no response back to close this off my credit report i have sent in all documents to prove it isn't me i just want this out my credit report i have worked to hard to get my credit score up i have been deputing this for the last 5 or 6 months. I have sent over all requested document to experian and still waiting for XXXX so i can send them information as well but no response this is a {$6700.00} dollars debt i want off my name ASAP each time i call told someone will contact me in 3-5 days still no call yet
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello my ONLY name is XXXX XXXX XXXX and any other addresses besides XXXX XXXX XXXX XXXX XXXX, IL XXXX should be removed. I am not self employed. I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Consumer complaint received 2023-05-07
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. (FL)

My mother opened several cable subscriptions in my name when I was a minor. As a result, I saw that my credit score was active and low when I turned XXXX XXXX XXXX. These cable subscription providers have already put these accounts I did not consent to into collections, which is affecting my credit score. I would like these accounts to be removed, and I would appreciate it if the credit reporting agencies could mitigate my credit score.
Consumer complaint received 2023-05-15
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)

Monday, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : XXXX XXXX XXXX XXXX XXXX XXXX Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks
Consumer complaint received 2023-05-30
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. (TX)

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 an account without my written permission.
Consumer complaint received 2023-05-30
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. (TX)

I sent a USPS Certified Letter to Experian, XXXX, and XXXX on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.Delete this account.