davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of account/s below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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.
Consumer complaint received 2022-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or around XX/XX/XXXX my capital one card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account May only stay on record 7years from original date of delinquency XXXX continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after XXXX couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that capital one delete this account from my XXXX bureau since the original delinquencies exceed 7 year period
Consumer complaint received 2022-04-19
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. (NY)

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

15 U.S.C. 1681a ) ( d ) ( 2 ) Consumer Report- Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Despite the Law, XXXX continues to report " Transactions '' and " late payments '' on XXXX XXXX XXXX to the report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, 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. (GA)

I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.
Consumer complaint received 2019-06-18
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. (FL)

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXXXXXX XXXX. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : TransUnion. You would not believe what I heard from their expert. XXXX claimed she was the manager. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america reported me to XXXX eventhough i called them and explained what happened to my joint account since our divorce was ongoin. But bank of america still reported me. Now i can not open an aacount to any bank because of them. I already called XXXX and disputed the transaction but still its on my record.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (PA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Paid Account/Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-04-19
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. (MO)

In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IA)

On XX/XX/XXXX, I paid for 2 orders ( XXXX for {$150.00}, XXXX for {$190.00} ) of custom printed XXXX XXXX XXXX  from XXXX with my Citibank card, which I have been using for 20+ years. The shirts that arrived were obviously counterfeit goods : the dimension were different than the dimensions on XXXX website, the fabric was scratchy and see through, the tag/logo design was inconsistent, and the stitching was loopy and loose. I contacted XXXX, but ( of course ) they would not give me a refund. 

I sent all my documentation to Citibank Disputes as well as a letter from a Case Manager at XXXX ( an international counterfeit goods identification agency ) stating the shirts were obvious counterfeits. 

In XXXX, Citicards refunded my {$150.00} order " as a courtesy '' and said they would continue to dispute the {$190.00} purchase. After months of emails and phone calls to Citicards, they sent me a message on XX/XX/XXXX stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. '' It's Citibank 's legal obligation to protect me and my card from criminals who misrepresent themselves and the descriptions of their goods online.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank XXXX said i owed {$29.00} for XXXX and also charged me a {$29.00} late fee. I have " Value pay '' print outs of all items purchased that show I'm current.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (WA)

A XXXX ( Checking ) account was opened with MoneyLion on XX/XX/2022. My {$25.00} initial balance was supplement by a {$100.00} direct deposit from my husband 's job on XX/XX/2022. Because of the name mismatch, my account was closed on XX/XX/2022, and I am unable to access the balance. After initially being told the {$120.00} balance would be liquidated and mailed via check, I was told that the balance would not be returned due to an unsolvable " system error ''. Customer service agents and supervisors stonewalled me saying there was no way return the money.
Consumer complaint received 2022-04-19
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. (GA)

XXXX XXXX  and transunion are in violation of 15 usc 1681b ( a ) ( 2 ) I the consumer never gave neither consumer reporting agency written consent to report anything on my credit report I have asked they remove these inaccuracies off my account they have not and are breaking the law.
Consumer complaint received 2022-10-14
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (IL)

My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to XXXX XXXX. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to XXXX two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than XXXX ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. XXXX claims to care for its customers, but currently I'm not experiencing that.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the fair credit reporting act. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Bankruptcy : Bankruptcy -Reference Number 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. Bankruptcy Court 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 to do so. 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 7 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.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO. (TX)

They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. 

I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. 

The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. 

I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. 

Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. 

Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. 

PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. 

Thank you for your time and consideration XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

Consumers energy debt amount of {$1500.00} in my name under the address of XXXX XXXX XXXX XXXX XXXX Mi. This has never been my place of residence and not sure how this debt is mine.