davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-23
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. (NC)

XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Consumer complaint received 2024-03-13
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. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-01-19
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. (VA)

N accordance with the fair credit reporting act 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 fumish a account without my written instructions
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TN)

Company- Chystler Capital XXXX-late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-02-24
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 AMERICAN EXPRESS XXXX : Federal Trade Commission & Attorney General of Georgia -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Congress ensured that under 15 USC 1681a ( 2 ) ( A ) ( i ), consumer reporting agencies are not to include reports containing information solely as to transactions or experiences between the federally protected consumer and the person making the report. American Express has violated my right to privacy under 15 USC 1681a ( 2 ) ( a ) ( i ). I am also requesting the permissible purpose written authorization that I gave American Express permission to furnish my information to each of the following account : - AMEX XXXX American Express has harmed my family under16 CFR 313, and 15 USC 6802 and has not initially or annually given me an opportunity to opt-out of the reporting my non public personal information. 
Remove these account from my consumer report immediately under federal laws you are violating my privacy and harming myself and my family.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

I recently was reviewing my credit report and came across a debt that I did not recognize from the creditor World Finance Corporation, based in XXXX, Missouri. While I did live in XXXX, Missouri, I have no association with this debt. I sent them a letter in the mail demanding verification of debt and all of the information that is required for them to provide in accordance with the FCRA. Two weeks went by and I received a letter back, of which you will find a picture in the attached files of ... stating that the address was undeliverable. Upon further research, they are no longer and entity. They would be unable to verify these claims of debt and there is simply no way for me to know where this debt came from and why it's on my report.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Due to my understanding Merrill Lynch weath management an other account who was holding on to my stocks an bonds was using my account with notifying me due to my personal information change in the data systems due identity theft I requested to redeem my asset they holding that is my asset identity theft change my personal information so I want have assistance to my personal property I am redeemed my asset this is evidence showing my asset
Consumer complaint received 2023-01-27
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: Bread Financial Holdings, Inc. (FL)

I put in a dispute on XXXX XXXX for a fraudulent purchase i didnt recieve from a merchant in the amount for XXXX i try calling the merchant to resolve the issue can get i touch with no one before the dispute.Ive called comenity bank over XXXX time trying to get my money back for a product I didn't recieve and nobody is helping me its been 6 months and every time I call the change the date when the dispute was put in and they erase all the conversations and the call ive made and start my process all over again.Now they say the dispute was just put in on XX/XX/XXXX and I have to wait another 60 day ive sent in email of every conversations I had with the merchant and still they won't say nothing or give me back my money i pay my card off faithfully every month please help me
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-30
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. (IL)

I checked my credit report and noticed unauthorized inquiries on my credit profile listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America employees are participating in a XXXX XXXX against me. This is one of the harassment techniques that Bank of America does to my checking account at least once a week : denying transactions when the funds are available. This has resulted in a weekly loss of time, loss of opportunities, defamation, embarrassment, etc This is one of the harassment techniques that Bank of America uses at least once a week. They steal my funds by denying me the access to my funds to complete transactions when the funds are available. Therefore, these crimes are being reported as harassment and theft. 

In this case, my phone was disconnected by XXXX XXXX on XXXX  at XXXX for a bill of {$33.00} not being paid, even though records show that sufficient funds of {$65.00} was available in my Bank of America checking account at the time. The full name of the Bank of America responsible for the theft is not available at this time, but Police Report has been filed.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (ME)

Letters were sent to XXXX XXXX XXXX In regards to a Walmart rewards credit card issued by synchrony bank. The card was purchased by XXXX  XXXX. And then sold to a collector XXXX XXXX XXXX. XXXX XXXX has disclosed false information on my credit report stating I owe synchrony bank XXXX dollars. The information was disputed in accordance with FCRA Requirements and two letters were mailed with tracking to XXXX XXXX  asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX  XXXX. This is not from the creditor that is listed on the credit report which states synchrony bank. I have given XXXX XXXX more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to my credit report.
Consumer complaint received 2023-02-18
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. (PA)

I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I had a bank account with chase and XXXX. I was using them perfectly fine then traveled to Connecticut for a church trip and they flagged my account for fraudulent transactions. When I reported to them that I did the specific transactions they still told me they were closing my account.
Consumer complaint received 2022-04-22
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (OH)

Hi, I had credit in the mid XXXX, I just bought a house, I always pay my bills. I had a incident with XXXX XXXX clothing store / Comenity Bank & I had nothing but a big run a round by them & I have gotten nothing out of it but a bad credit drop. 

I just refuse to pay for something that I do not have, & that I have sent back, This is not fair at all. I need this disputed. 

I also was in the hospital for over a month with XXXX XXXX, I came very close to not making it out alive. I have proof if it will help with my side of the story. I am still dealing with the aftermath of XXXX  This is very wrong for my credit to have dropped down this low over this. I did refuse to pay, because they was not working with me with my returns. & refund.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/2023 I cancelled an Apple Card 's auto-pay payment ( XXXX 's bill {$2500.00} ) from my closed bank account.and Apple Card charge me {$46.00} interest at moment! Then I Payed the whole bill {$2800.00} from my another bank accounts! 
But on XX/XX/2023 Apple Card charge me {$2500.00} on my bill again! and the Apple service told me the bank reverse the payment amount that was canceled it increase my Apple Card balance, and asked me to pay this amount bill again!
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello, The Truist Bank implemented an " improvement '' to their systems on XX/XX/XXXX. This resulted in the loss of access to my account and the mobile services they offer. I can no longer access my account, view funds, or make withdrawals. I have attempted to contact my local branch AND the corporate branch office. 

The account has been active for over 15 years, so I'm unsure why their systems have not been fully patched to allow access after 2 weeks of maintenance.
Consumer complaint received 2023-10-30
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. (PA)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (TX)

This account was placed on my report on XX/XX/2021 before I was given the opportunity to dispute it or pay it. The company did not send a letter explaining anything until AFTER it was placed on my report. My rights have been violated and my credit profile has suffered because of this. I have attached proof that this account was placed on my report BEFORE I was notified. Also, my request for a signature or proof that I was a tenant at the time the gas was allegedly used, was ignored. My lease wasn't renewed so as of XX/XX/2021, I was no longer a tenant and my services with XXXX XXXX XXXX were non existant. I also included the screen shot of the deletion and illegal reinsertion of this account. I wasn't notified by Diversified Adjustment ServiceXXXX about that either. All of these violations calls for an immediate deletion from all XXXX bureaus.