davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 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 rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of 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 non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXXXXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXXXXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXXXXXX XXXX XXXXXXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2022-05-13
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$34.00} ; XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted
Consumer complaint received 2019-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Big Picture Loans, LLC (IL)

I received a call from a debt collector called XXXX XXXX saying I owed a debt for a loan. They said I had an online payday loan with Castle Payday ( now called BigPictureLoans ). 

I do not recall opening this loan and the account it was connected to is an old bank account that was closed. I also looked up XXXX XXXX and did not find information on a debt collector under their name. I called back and asked if they had a website and they said it was XXXX which is a simple site with very little information on the company and just their phone number. When I looked up the address listed on their website, it said it was the address of the United States Postal Services. I am wondering if this company is legit and if they are authorized to collect debt. They do not even have an official address. I would like to see their license number. 

They said I had to make a payment or I would be sued. They said they tried to collect money from my previous job. They did say they would send me verification of the Castle loan account by email, but I never received an email with verification from them. 

XXXX XXXX could not verify the date the account was opened which makes me think they do not have proper information about this account. They had my old email address on file which I no longer have access to. When I entered my email on the loan website, it said nothing existed. 

When I called Big Picture Loans, they said I applied for a loan in the amount of {$1500.00} on XX/XX/18, but there was no current loan.
Consumer complaint received 2022-05-13
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the accounts completely from my Credit Reports XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion 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. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-15
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. (FL)

XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

While traveling my credit card was locked by Chase bank. I wasnt able to use the card at all, luckily I had one other card ( non-Chase ) with me or else I wouldve been unable to buy food or anything at all. 

Shortly before it being locked I purchased a flatscreen from XXXX. I tried to call chase but was routed endlessly through their answering system and got a message that the offices were closed on the weekend. I was unable to unlock my card all weekend until after I finished travel and returned home. 

When calling on monday, the rep unlocked my card but refused to say what I could do to prevent this from happening in the future. I asked if it was due to travel and he said purchasing a flatscreen was a high risk activity and thats why the auto system locked me out. He was also very rude and condescending, and didnt sound like a domestic US rep. 

A major bank like Chase should have 24/7 support even on weekends, their reps should be US based on the weekdays at least. And I should be able to make normal purchases like TVs for {$300.00} without being locked out. Also, train your reps for a service attitude! The person I spoke to kept interrupting me and couldnt wait to get me off the phone without verifying if he resolved all my concerns.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I have XXXX XXXX account and i have XXXX XXXX   card. It is advertising 5 % cash back when I'm placing order yet i cant see my cashback points and not XXXX nor XXXX  representative were able to fix the issue after 4 hours phone conversation and call forwarding back and forth to XXXX and syncony 4 times. 

Even after the phone conversation, today i am placing order with XXXX using store credit card and its displaying 5 % cash back, which I do not receive. 

I have placed approximately XXXX  worth of orders lately and no cashback as was advertised. 

XXXX XXXX account email : XXXX XX/XX/2018
Consumer complaint received 2022-05-13
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. (FL)

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 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax XXXX XXXX XXXX XXXXXX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : 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 2019-04-26
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: EQUIFAX, INC. (OR)

Submitted dispute to Equifax and XXXX on XX/XX/2019. Both agencies returned with responses stating the information had been removed. Today, XX/XX/2019, I applied for another apartment and was denied due to incorrect information, yet again. Agencies did NOT REMOVE THE INFORMATION.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. But I only received a file from XXXX. Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from Equifax or XXXX that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Consumer complaint received 2022-05-13
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Card was used in XX/XX/2017 fraudulently and I reported it immediately and they are saying now that I should have gotten a police report. It CLEARLY WWASNT ME and I want it taken off of my credit report
Consumer complaint received 2020-12-18
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. (OH)

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XX/XX/XXXXbut have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Management Services, Inc. (MS)

I made a phone call on today XX/XX/2020 to Specialized Management to find out information about this bill and to try to verify if they had made attempts to contact me regarding the bill, because I never received any type of letter or anything notifying me of the collection. I was only notified of the collection because I saw the negative account placed on my credit reports. I spoke with two representatives ( the first was named XXXX, and the second was XXXX ), both who were rude and would not give me the correct information on what means they used to try to contact me. Neither of them gave me an opportunity to explain that I was calling to attempt to get information on the bill to validate the debt was mine, and if it was, I wanted to to settle the debt, and negotiate to have it removed from my credit report. I have had issues and filed a complaint on this same debt collection company before, because of their tactics, and I feel as though they remember my name, and that I filed an earlier complaint with the CFPB, and are resorting to retaliation. When I filed the initial complaint the owner of Specialized Management, XXXX XXXX, contacted me by phone and claimed that it was a misunderstanding and that he would like to settle any issues I had due to the treatment I received then, and now again, I am being disrespected and they are refusing to answer my questions. I feel as though our prior dispute, caused them to just try to negatively affect my credit, rather than contacting me about the bill. XXXX even pulled up an account during the call and gave me the wrong address as well, so I again I wanted validation of the debt.
Consumer complaint received 2018-04-26
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. (FL)

contacted transunion credit bureau and spoke to 3 different non English speaking hard to understand employee who refuses to look it to 7 hard inquiries that where not mine. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX  XXXX  XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX  XXXX XXXX ( 5 ) XXXX   XXXX ( 6 ) XXXX XXXX XXXX and ( 7 ) XXXX  XXXX XXXX and they refused to remove the hard inquiries and stated it only affects my score a little.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have 0 late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX XXXX XXXX All months on time See attached
Consumer complaint received 2022-05-13
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 TRANSUNION 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