davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account name and number XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-17
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: MoneyLion Inc. (LA)

There is an installment loan from a company called MoneyLion on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.
Consumer complaint received 2022-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

This bill was created when I was in the hospital with XXXX. I had created a payment arrangement with the facility. I made payments to them until I got XXXX again. The amount of the bill isnt correct. Ive sent the collection agency the paid bill and the credit reporting agencies keep putting this on my credit. Considering that the world was going through this more time and compassion should be shown to XXXX  survivors because we still have a long road to recovery
Consumer complaint received 2022-04-17
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX account name and number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Dept Of EducationXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-17
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: JPMORGAN CHASE & CO. (TX)

I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for an AmEx Gold card XX/XX/XXXX and did not receive a confirmation email. I called AmEx to check my status and they said I was approved on XX/XX/XXXX and should expect to receive my credit card XX/XX/XXXX. After not receiving my card I called back and was told they had no account under my name, ssn, birthday, etc. They directed me to apply for a new credit card and when I did they advertised me a sign up bonus which was lower than the offer I initially received and got accepted for. They told me there was absolutely nothing they could do. I'm hesitant to apply for a new card as I don't want to end up with several accounts under AmEx and responsible for XXXX of the same credit card.
Consumer complaint received 2022-04-17
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. (TX)

I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems
Consumer complaint received 2022-03-18
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. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I had made a PayPal account after I had made a bank account for the first time and then connected my bank account to PayPal. I had tried to make some purchases but I gave me authentication failures. The purchase eventually went through and then I tried to buy some other stuff but the same thing happened. PayPal then notified me that my account was permanently limited, I called customer service and they said that there was nothing they could do. This happened around XX/XX/2022.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

Hi, I filed a complaint last year because my account was closed, by time the check arrive it had already expired. The check was for balance that was in my account when it was closed. I dont know if it was mail delays or the bank itself, I would just like a new check. I have tried for months to get one. Ive been told I would have a form sent 3 separate times, this apparent form was to fill out the information to have a new check issued to me. Each time I have waited months in-between and now feel like I'm purposely getting bad information. It has never arrived. Its been to long and I just want my money. They have kept it collecting interest while not trying to fix my problem. 

I am at the same address nothing has changed with my information from before.
Consumer complaint received 2022-04-17
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. (AR)

In accordance with the Fair Credit Reporting act XXXX  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2.XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5.XXXX  Account Number : XXXX Please remove it from my credit report 6.XXXX  Account Number : XXXX Please remove it from my credit report. 







has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-17
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-17
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX # XXXX, has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Hello, I have filed multiple reports against Equifax about them not updating my personal information on my credit file. I have submitted and resubmitted, but yet it goes unchanged. That tells me they are possibly using a computer bot and not humans to read these dispute letters. I just recently received a letter from them asking me to pls to do the following : submit a copy of either my social security card, drivers license and/or an official document to update my name. You also stated that you were unable to honour my request by sending a revised copy of my Equifax credit file. I further advised them that I have sent a copy of an official document along with my drivers license which clearly shows my updated information. Im of the belief that, they're using a computer bot to respond to disputes otherwise they would have seen that those now requested documents were already included in my dispute request. I have pleaded with them to update my information multiple times but they have refused to do so and are now using stall or delay tactics. I have even filed several complaints with CFPB but yet they still ignore my request to accurately and completely update my personal information. This isnt acting in accordance with FCRA laws and guidelines. This makes the 5th and final request asking them to honor FCRA laws and guidelines by updating my personal information.
Consumer complaint received 2024-03-12
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. (MI)

W/o recourse W/o prejudice 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.

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 Transunion XXXX XXXX and XXXX are not maintaining reasonable procedures. 
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. '' 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. '' Neither company 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
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. (FL)

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX inquiry date XX/XX/XXXX 2. XXXX Inquiry date XX/XX/XXXX 3. XXXX Inquiry date XX/XX/XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX Inquiry date XX/XX/XXXX 6. XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 10. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 11. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 12. XXXX XXXX Inquiry date XX/XX/XXXX 13. XXXX XXXX Inquiry date XX/XX/XXXX 14. XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 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 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.
Consumer complaint received 2022-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

on XX/XX/XXXX I took out a home equity loan to help fund the opening of an XXXX XXXX to help increase our income. This was an interest only loan. All payments were made on time. When XXXX hit the US in XXXX we were forced to close down. Being a small family restaurant, run by my wife, daughters, and grand daughter we could not financially manage to stay current with all our bills. This closure lasted for a year. as a result I contacted Keybank to see if we could get help. They granted us a forbearance which ended in XXXX XXXXI then tried to get some other type of help from them. It took almost XXXX months after many applications, only to be denied. I appealed the denial twice. After the first denial a representative from XXXX told me about XXXX XXXX different options that may be available for us, so I filed a XXXX appeal, only to be denied again. When I called to find out why I was told that my loss of income from the closing of our restaurant should be claimed on our tax return and not acceptable on an income statement. Other than XXXX this business was our only source of income, so that's why it was denied, every time. I now owe more than the original loan was and there advice was to sell my house to pay back the loan. I asked about paying back a lesser amount, as they previously said to satisfy the loan but said I didn't qualify due to lack of sufficient income. Now they say foreclosure is next. The forbearance section of Keybank is next to Impossible to work with. We lost income, our Business, and some kind of peace of mind by no fault of our own, At XXXX XXXX XXXX I really don't want to lose our house on top losing income, a business and both our mothers all in XXXX. Keybank needs to step up and help clients rather than there bottom line.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

YOUR COMPLAINT I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

List of accounts that must be removed according to the law XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have XXXX inquiries on my credit report that need to be removed according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will file a lawsuit in federal court if my federal rights are violated by Equifax
Consumer complaint received 2022-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/22, a person using the name XXXX XXXX made fraudulent money transfers from my checking account of {$2000.00} and {$2500.00} by setting up instant payments. They also made a {$2500.00} payment using my XXXX. I did not authorize any of these payments. A person called me the same day claiming they were from my bank to ask me about my personal information, but I could not verify they were actually working for the bank. Their phone number is XXXX ( XXXX ) XXXX. I called my bank to open an investigation and dispute these charges, and am awaiting to be refunded the full amount.
Consumer complaint received 2022-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OH)

XX/XX/21 Ally financial was found guilty in lawsuit which cleared out loan in question due to a repossession. 
XXXX is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter
Consumer complaint received 2023-06-26
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. (PA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX Balance Owed {$0.00} ; XXXX XXXX XXXX BalanceOwed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony and Amazon clearly have no control over their online system. I understand the emails about their credit repair were a wide spread issue and apparently just a mistake ... But to say we aren't to worry about any data breach is ridiculous. I've had nothing to do with Synchrony for a long time and the fact that they still float my information around with no concern for security is disturbing. If a company profits on citizens info they should be required to protect it and none of them are held accountable. Small fines in the past have not deterred corrupt companies from failing to leak, like a sieve, everything they know about people.
Consumer complaint received 2024-03-12
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. (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.