davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have NOT have any services, products that this company is claiming. I have submitted electronic disputes repeatedly. They continue to report it on my credit report. I have statements indicating that the account is Not mine. They insist demanding that is my account. The personal information they have on me does Not match my information. Like Social security, account number and products they claimed I purchased.
Consumer complaint received 2023-02-20
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: Penn Credit Corporation (OH)

This account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This Penn Credit ( AEP ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
Consumer complaint received 2023-02-20
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. (NC)

XXXX XXXX XXXX, is improperly calculating my FICO Score XXXX. The date you opened your oldest bankcard or credit card account is too recent XXXX. Lack of sufficient credit history XXXX. Lack of sufficient relevant real estate account information XXXX. Balances on bankcard or credit card accounts too high compared to credit limits
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc. (FL)

I had called and I want your help to remove this off my credit. It should be off my credit history it been more than a year. I paid and wait 90 days .May you please contact transition or the collected. I didn't knew it would be this difficult to have it remove. I understand the bank see it paid and closed. A great person refer me to You.
Consumer complaint received 2024-01-18
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. (PA)

My name is XXXX XXXX XXXX XXXX, I am the one generating this statement. Per the Fair Credit Reporting Act these listed accounts should not be furnished on my consumer report as they violate 15 US code 1681-B the permissible purpose of a consumer report in general subject to subsection C any consumer reporting you see me furnish a consumer report under the following circumstances and no other ; 2 - by the written instruction of the consumer to whom it relates. I never gave these listed companies my written instruction to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly per 15 USC 1681-4 consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2022-09-17
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. (NY)

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-18
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. (CA)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is failing to take off XXXX accounts that are fraudulent I have provided a police report, federal trades commission identity theft report, letter from the IRS stating Im a victim of identity theft, I have sent multiple amounts of evidence, no resolution has been giving, both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has stolen my information and has used at will to open these fraudulent accounts in my name and XXXX has done nothing about it, they continue to violate my rights, my identity has been leaked on the dark web several times and no help has been giving by this credit reporting agency to correct my report, I want these accounts taking off or I will seek legal action against them, now I want them to correct my report and do there job, this has been ignored for to long. Im not the only one they have done this to, Im asking and demanding my credit report be corrected and fixed and take off XXXX XXXX XXXX XXXX and XXXX XXXX, I can and I will sue for damages, they have ruined job opportunities and hurt me financially.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (FL)

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1200.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$65.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00}.
Consumer complaint received 2023-07-17
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)

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Consumer complaint received 2023-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT XXXX XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER THANK YOU
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/2023 I notified XXXX XXXX that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2023 XXXX XXXXXXXX closed out my credit card account due to personal information that Transunion, XXXX, and XXXX reported to them.Reporting According to the Fair Credit Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Transunion, XXXX, and XXXX are consumer reporting agencies and I 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 nonpersonal information. Per 15 USC 1681 section 604 ( a ) section 2 states '' 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 whom it relates. XXXX XXXX, Transunion, XXXX, and XXXX the financial institution and the Consumer reporting agencies do not have my consent whether it be verbal non verbal written or non written or otherwise is revoked.
Consumer complaint received 2022-11-14
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX BALANCE : {$96.00}
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As mandated by the FCRA, consumers are entitled to one free credit report from each of the nationwide credit reporting companieXXXX XXXX, XXXX, and TransUnion every 12 months. I made my initial request for my free annual credit report on [ insert first request date ] via [ specify the method used : online form, phone, mail ]. Despite this request, I did not receive my credit report. 

Following this, I made subsequent requests by phone. To date, I have not received my free annual credit report from TransUnion. The failure to receive my requested report has impeded my ability to monitor and manage my credit profile effectively. 
Please note that each instance of non-compliance may be subject to legal penalties under the FCRA. For your reference, the FCRA requires that credit reporting agencies must provide consumers with a free copy of their credit report once every twelve months upon request.

I hereby insist on immediate compliance with my request. Please ensure that my free annual credit report is sent to me without further delay. If I do not receive my credit report within the statutory timeframe following this notice, I will consider taking further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and seeking legal remedies as provided under the FCRA.
Consumer complaint received 2023-02-20
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)

Upon looking at my Consumer report I have identified items that are the result of identity theft, because each item ( documents enclosed/attached ) does not have my written or verbal consent to report these items listed to my consumer report. According to 15 USC 1681 C-2 I am now filing this Identity theft report for the ( Enclosed/attached ) items. Please review all attached documents and all applicable laws.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MA)

There are a whole bunch of unauthorized transactions on an account coming from a chime account that is clearly using my Social Security Number. However, my old address there are people who I am not family with or was living with anymore that may have been responsible or not I have no clue really.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, XXXX, TRANSUNION, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc. (WA)

I paid XXXX or Avant bank for a debt that I owed. A few weeks later a collections agency, called XXXX XXXX, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXXAvant and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OH)

This is the second dispute pertaining to SYNCB/LOWES they have fraudulently verified late payments, XX/XX/2022 letter sent from Lowes states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month SYNCB/LOWES has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure SYNCB/LOWES owes damages of XXXX dollars per violation. 
These violation were confirmed by SYNCB/LOWES to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I contacted XXXX SYNCB/PPC on XX/XX/ to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . 
I have not gotten a response from this company and they continue to report my personal information to third parties.