davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (TN)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. 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  XXXX
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX is reporting an installment account XXXX on XXXX as a closed account with open date of XXXX high balance of {$750.00} with a date reported of XXXX with zero late payments. The same XXXX XXXX XXXX XXXX is reporting an installment account XXXX on Experian with XXXX XXXX XXXX high balance of {$750.00} with a date reported if XXXX with 3 late payments for XXXX, XXXX, XX/XX/2018. I am requesting that these account be investigated, so that the negative and stressful impacts done to my credit report be corrected and updated. 

XXXX XXXX XXXX XXXX is also reporting Installment loan with past due balance of {$150.00} high balance of {$730.00} is reporting inconsistent information to XXXX and Experian such as incorrect open date and XXXX late payments on Experian but none of XXXX XXXX XXXX XXXX XXXX is also reporting a revolving account XXXX credit limit of {$250.00} with a high balance of {$450.00} is reporting inconsistent information with XXXX and Experian. Seem to be reporting false and inaccurate late payments. 


To be in compliance with Fair Credit Reporting Act Section 607 - 15 U.S Code 1681e ( b ) Accuracy of report. 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. Also in the FRCA law Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] this company should be held liable for {$1000.00} made payable to me.
Consumer complaint received 2022-06-03
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. (CA)

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 written instructions. 

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
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/XXXX, I was scammed out of {$750.00} through Zelle because the scammer messaged my friend and I on XXXX saying they could sell us concert tickets we were in the market for. After the money was sent, they blocked both my friend and I on XXXX and the tickets were never seen. I later called XXXX XXXX to try and file a claim and nothing has been done since. {$750.00} is a lot of money and not something I can just be okay with disappearing
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I had subscribed to XXXX XXXX XXXX on or about XX/XX/2023 and decided to cancel on or about XX/XX/XXXX because XXXX misrepresented that they were only going to charge me {$79.00}, which would be in two installments, one for {$39.00} in XXXX and one for {$39.00} in XXXX. However they posted {$82.00} to my account in error. I then decided to cancel the membership on or about MY XXXX and I have an email to prove that it's been canceled but Chase will not do anything about it because they said they have to wait 15 days. Why do they have to wait 15 days when I have that confirmation email that I just uploaded to my Chase account? My balance is reflecting the {$82.00} which I should not be responsible for and I've asked them to take care of it but they are refusing to do so.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

This is a notice to request information regarding : Synchrony Bank/TJX | Acct # XXXX Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures A copy of the XXXX cancellation of debt if applicable Date of First Delinquency Please forward all correspondence regarding this matter to the address stated above or attach directly to this complaint within XXXX XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2023-06-24
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
Consumer complaint received 2024-02-18
Product: Credit reporting 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)

To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft. In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within five ( 5 ) business days from the date of this letter. I emphasize my right to a fair and accurate credit reporting process, and the swift removal of this account from each credit bureau is crucial to rectifying the reported inaccuracies. Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of five ( 5 ) business days. Non-compliance with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (CA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: DFC Global Corp. (CA)

XXXX XXXX XXXX XXXX XXXX. XXXX, California approximately XXXX transactions, each has unlawful ( cheating and stealing XXXX XXXX XXXX  % to remember XXXX XXXX, the truth. XXXX transactions x @ {$50.00} ( 200 % interest rate designed to murder and kill ) total an excess of {$3900.00} X XXXX = GRAND TOTAL OF {$27000.00} TOTAL AMOUNT REFUND DUE BACK TO CONSUMER : Work with XXXX keeping his messages in truth. In XXXX We XXXX. 
XXXX 's First Holy ( People ) XXXX, Religious Rite and XXXX XXXX XXXX always comes through as the Winner in the End, and The Beginning ( Alpha and XXXX XXXX life without end, XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting me.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

TODAYS DATEXX/XX/2019ATTENTION DISPUTE DEPARTMENT DEBT REC SOL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DEBT REC SOL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

XX/XX/2022 I deposited {$400.00} in Key Bank atm so I could pay my rent. The ATM took my cash and the screen said to contact the bank the next business day because it couldnt process my deposit. I called the XXXX number immediately. My rent is due on the XXXX, no exception. When I went in the bank the next morning, they were rude and told me I had to wait 3-10 business days. Now I have an eviction notice on my door. 
The bank is giving no help as to when my money will be available. And its already been days with no communication. And this is the 3rd time this has happened
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC. (MA)

The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Inquiries on credit that doesnt belong to me And wrong name and address 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 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
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/XXXX, i surrendered my vehicle to XXXX. they show it as a charge off. therefore they recieved a tax write off. it is still l showing amount due on XX/XX/XXXX 6 years later!
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MS)

Ny loan was moved from XXXX to MOHELA. I received messages online stating I did not renew my IDR. The messages were dated XX/XX/2022 but received XX/XX/2022. My application for IDR was sent to XXXX XX/XX/2022. I uploaded the IDR form the same day, XX/XX/2022. I received another message on XX/XX/2022 that was dated XX/XX/2022 and stated they needed 10 more business days to process my IDR. As of XX/XX/2022 my IDR is still pending with full payment over {$500.00} due by XX/XX/2022. It has been over thr 10 business day and no response in regards.
Consumer complaint received 2023-02-21
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)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account XXXX XXXX XXXX are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate
Consumer complaint received 2022-06-03
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. (MA)

XXXXXXXX XXXX continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of XXXX XXXX improper use of the credit report. XXXX, XXXX, and Experian have a duty to protect consumers and they have shown to be negligent in their handling of this issue.