davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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. (NY)

This is stopping me from getting a fair line of credit for credit card, loans or a credit score. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 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 1681 c ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX agreed to delete their account from my credit if I satisfied the balances. I have done so and XXXX XXXX has yet to delete the accounts. Please delete. XXXX XXXX has FAILED to respond to the CFPB and me in my previous complaint. Please see the response in my precious CFPB dispute. 

# : XXXX # : XXXX # : XXXX # : XXXX # : XXXX
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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: FactorTrust, Inc. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I disputed an account that was incorrectly reporting on Experian, the only bureau that the creditor, XXXX XXXX reports to. 

The account with XXXX XXXX was closed with a final payment made XX/XX/XXXX. In XXXX, XXXX I saw that there were charge offs reporting for XXXX and XXXX so I made the initial phone call to XXXX XXXX to ask them to correct this. I was told to dispute with Experian so I disputed with Experian and included the notice from XXXX showing my account was settled and closed. 

On XX/XX/XXXX I received a notification from Experian that my dispute was completed and the account was updated. I checked the account and saw XXXX, XXXX and XXXX were now marked in good standing and shows a charge off for XXXX. This is now costing me 8 points on my FICO score due to incorrect reporting by Experian. I contacted XXXX XXXX to again ask them to correct their records and report back to Experian and was told that XXXX has not been reporting since the final payment had been made and this is an error that Experian needs to correct. 

I have provided the payoff notice for the second time to Experian, who confirmed on XX/XX/XXXX they have received from the document upload option on their website. I was told the process will take another 30 days. I can not afford to wait this length of time for the records to be corrected and gain points back that I should not have lost, as I am in the process of getting ready to take on a mortgage. 

Due to the several inconveniences caused by Experian, I believe this account should be removed from my report for compensation based on the negligence of this bureau.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (TX)

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.
Consumer complaint received 2023-08-23
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)

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.
Consumer complaint received 2023-08-21
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. (GA)

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 2023-08-23
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: JPMORGAN CHASE & CO. (CA)

# Original transactions : - On XX/XX/XXXX, I booked XXXX plane tickets for {$1400.00}. 
- On XX/XX/XXXX, I rebooked this flight for a later date. Since only one day had passed since the original booking, and the new flight date was further in the future, the new tickets were priced the same as the old ones, and the rebooking fee was indicated as {$0.00}. I completed the rebooking process without any request for payment. My card was not charged, and the new flight date was confirmed when I checked the booking code on the XXXX site. 
- On XX/XX/XXXX, the date of travel, I was informed at the airport check-in counter that " the ticket was never issued. '' I was asked to pay {$930.00} immediately or face denial of boarding. I believe the quoted amount represents the difference in ticket cost as if I were rebooking it on the day of travel, despite having already done so two months prior at a more favorable price. I expect the merchant to honor the price I was originally given. 

If any charges were required, I should have been notified on XX/XX/XXXX, and my card should have been charged as part of the rebooking process. Changing the travel date displayed on the XXXX system necessitates a payment, except for technical errors, which I believe is the case here. 

# Dispute with XXXX : This complaint pertains to Chase, so I'll be concise : I have spoken to XXXX twice, and their response has been that " I took the flight, '' leaving the core issue unaddressed. They have not discussed what transpired during the rebooking process on XX/XX/XXXX. 

# Dispute through Chase : - On XX/XX/XXXX, Chase acknowledged my dispute, in which I provided the aforementioned details ( CLAIM ID : XXXX ). 
- On XX/XX/XXXX, Chase sent me two letters : " We consider the disputed charge ( s ) valid '' and " Here 's dispute information from the merchant ( s ) for your review. '' The second letter essentially reiterates my conversations with XXXX, including evidence showing that " I took the flight. '' However, there is no mention of addressing the initial rebooking process. The letter also contained a form to continue the dispute, which I completed. 
- On XX/XX/XXXX, I received another letter ( CLAIM ID : XXXX ) stating, " We reviewed our original finding that you are responsible for the credit card transactions you disputed with us. '' Once again, there is no indication that anyone investigated the issue beyond accepting XXXX 's assertion that " I took the flight, '' which is not the point of contention in my dispute.
Consumer complaint received 2021-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Net Credit sends information out in the mail advertising loan consolidation and such. They offered {$9500.00} and ACH. On the initial conversation they set up a ACH. And it seemed fine. Just recently I was going over my credit report and noticed my principal has hardly gone down wit {$600.00} per month payments. 

I contacted the company and they sent me a contract for 64 % interest rates amortized for 60 months. With a total payout to them for {$32000.00}. I would have never agreed to this! There are plenty of normal products out there with reasonable rates. This is crazy! 

Best Regards XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent. 

At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX  XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers. 

Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices. 

The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards. 
Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in. 

The bank has not been charged with any crime, and it is cooperating with the investigation. 

SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX. 

I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices. 

Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a Citizen 's Bank Account in XXXX, PA. I was alerted to an " overdraft '' in my checking account this morning ( XX/XX/XXXX ). I logged into my account and realized that there was both a credit card and a ( second ) checking account opened under my current account, both of which I did not authorize. When I called Citizen 's Bank ( spoke with XXXX ) and was told that this opening had occurred with an " in person '' transaction in the Citizen 's Bank in XXXX XXXX, NY ( XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX is the branch manager XXXX ) on XX/XX/XXXX at XXXX pm in the branch. I called the branch office, the XXXX police to file a complaint, Citizen 's Bank, who have subsequently closed my accounts, and filed a fraud complaint with the,. Of concern was that they had an ID with my information on it, and, apparently, my social security number to open a credit card account.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, 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. (OH)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (LA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I used to be a gemini user way back in XXXX and XXXX when I purchased cryptocurrencies and after XXXX I didnt use their services since cryptocurrencies were down starting from XXXX now when i try to gain access to my account i lost access to google voice no and email that was registered to receive verification codes during login. I created a support ticket on gemini website but got a response asking me to verify code sent to phone and email. I created XXXX Consumer Financial Protection Bureau complaints regarding this but gemini support keeps on asking me to verify code sent to registered phone and email which I clearly mentioned that I lost access to both. Now I am not able to access my funds in gemini account. I had similar issue with coinbase a competitor to gemini but coinbase support was able to help me login into my account by asking verification questions about my account. I dont understand why gemini support doesnt do that to restore my account. Please help. I can answer any verification questions that gemini support has to regain access to my account
Consumer complaint received 2023-05-04
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. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX