davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

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 XXXX XXXX XXXX. 

XXXX OF XXXX account # : XXXX XXXX Amount {$5.00} XXXX OF XXXX account # : XXXX XXXX Amount {$1100.00} XXXX  OF XXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX Amount {$2200.00} XXXX OF XXXX account # : XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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 2021-07-14
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. (TX)

The following inquiries on my TransUnion credit report are fraudulent and resulted from identity theft of my personal information. I sent TransUnion my FTC complaint, police report, and a 609 letter asking for the fraudulent inquiries to be verified or removed pursuant to fcra and fdcpa. Also that I be sent copies of the verification they are obtain for my review. TransUnion failed to verify any of the inquiries or provide verification ( blacks law 6th ) as requested and they continue to report this fraudulent information which is adversely affecting my creditworthiness and making it really difficult to recover for identity theft victims. Please ask TransUnion to provide verification they are using to continue to report this fraudulent inquiries on my report! 

1 XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX  XXXX XXXX  XX/XX/XXXX 7 XXXX XXXX XX/XX/XXXX 8 XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XX/XX/XXXX 10 XXXX XXXX XX/XX/XXXX 11 XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX XX/XX/XXXX 14 XXXX XXXX XX/XX/XXXX 15 XXXX XXXX XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX XXXX XX/XX/XXXX 18 XXXX XXXX XXXX XX/XX/XXXX 19 XXXX XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX
Consumer complaint received 2018-07-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for a USAA Secured Credit account approximately two months ago. After putting a certificate of deposit ( {$250.00} ) to serve as collateral, my account was approved.

I have been using and making steady payments on the account up until now. This month 's statement balance was the first time I ever had paid an available balance in full.

I made the available balance payment ( in multiple transactions ) two days early than my statement closing date. The payments I made posted a business day before my payment was actually due.

USAA is refusing to apply the balance towards my credit limit ( restore my credit limit ) ; while the balance is applied towards my account, the use of my card is limited.

USAA gave several reasons as to the case : 1. Payments were made with an external account and the credit card was too young - I have been a customer with USAA for over 3 years, and have used only this account to externally fund the approximately nine ( 9 ) diverse accounts I have with them. This external payment account is with Chase bank, and the routing number and account number have been given to USAA prior to opening the account.

2. USAA wants to be sure that they are getting the money - this is the most insulting thing I have ever heard from a bank, especially one of USAA 's caliber ; the card is secured against a deposit, which USAA can reclaim in any event my financial obligations are not met.

3. USAA stipulates that they have the right to increase, reduce, cancel or suspend any credit line - the lack of application of a paid amount to a credit line doesn't normally constitute a credit line reduction or suspension. It does however, indicate USAA 's purposeful neglect in adhering to the terms of its own agreement - where payments made will be credited to the account the same business day ( though this means the account, not the credit line, this does not mean to say that USAA can abuse this power ). At any rate, USAA should not abuse this clause.

I have a hold of 7 days on the account for a 30 day billing cycle. Translated yearly, this equates to a nearly three ( 3 ) month loss of use every year. Further, I was so ecstatic about receiving a credit card from USAA that I increased the credit limit ( by increasing the CD amount ) by {$100.00}, making the total amount of secured credit offered to me at {$350.00}. This also received a payment hold. When I spoke to USAA credit card customer service, they informed me that credit line increase holds were defined in my credit card agreement ( a rather full version is found at XXXX XXXX XXXX XXXX XXXX XXXX ), but could not tell me specifically where such a stipulation or clause was present.
Consumer complaint received 2021-05-05
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. (IL)

When trying to check credit reports through XXXX.com, XXXX and XXXX worked fine, but Equifax immediately popped up an error message that says online delivery is unavailable, and the report has to be requested by snail mail, with copies of a bunch of documentation of social security number, ID, etc. Obviously, this, coupled with them eventually sending a copy of the credit report through the mail would be incredibly risky, and it is poor practice for them even to suggest people do this, much less require it. It also did not even ask any of the identity verification questions - immediately when it switched from XXXX to Equifax, this is what popped up, so it was not an issue with anything entered incorrectly or anything like that - presumably, this would have happened to anyone trying to access their credit report. A quick search indicates this is a common problem consumers encounter with Equifax, and that it has been going on for a very long time.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The XXXX  of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

Someone hacked my account. I have XXXX XXXX They got into my online banking and sent {$300.00} to a XXXX account. I I filed a complaint with my bank and with zelle. However, I was unsuccessful with getting my money back. My bank told me there is nothing they can do. I feel so helpless knowing someone stole my money and I have yet to get it back.
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (FL)

I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to Experian, XXXX, and XXXX asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the XXXX XXXX XXXX XXXXor XXXX XXXX ( county appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Consumer complaint received 2018-07-27
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. (NJ)

someone opened a card in my name and been paying Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, I contacted Experian about an unauthorized request for my credit history from a company I have never had any dealing with. They successfully took the inquiry off my credit and I placed a fraud alert on my credit report. On XX/XX/XXXX, I discovered that they had failed to contact XXXX to place the fraud alert on that one.  XXXX, however they did. It is my understanding that whenever one contacts one of the agencies, it is their responsibility to inform the other two agencies and this was not done. Also, I have now received a bill from a debt collector telling me that I owed money on an account that I did not open. The complaint here is, WHY did the creditor not contact me the way they were supposed to by calling me to verify it was me opening the account? This one goes back to 2 years ago when I placed the FIRST fraud alert on XX/XX/XXXX. Im very upset at the fact that thieves were able to not only open accounts fraudulantly using my identification, but also that they were able to do it WITH a fraud alert in place. The company in question here was XXXX XXXX. Overall, I am very unhappy about the way this system was so easily overridden. What is the point of having a fraud alert in place if the creditors wont follow the rules and call me like the alert asks them too??
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have never been contacted by, nor have I ever contacted I.C. System, Inc. or XXXX XXXX. I have never held an account with I.C. System, Inc. nor have I ever held an account with XXXX XXXX. On XX/XX/2022, I was notified by XXXX of a new collections account that was flagged by I.C. System, Inc on XX/XX/2022. I have no knowledge of this account. There has been no attempt made to contact me regarding this account.
Consumer complaint received 2020-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My XX/XX/XXXX, Transunion and XXXX credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXXXX/XX/XXXXand XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Phillips & Cohen Associates, Ltd. (GA)

On XX/XX/2019, a representative, XXXX XXXX, of Phillip Cohen Associates located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours Eastern Time and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.
Consumer complaint received 2018-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX   balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Consumer complaint received 2022-04-27
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. (NJ)

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 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2021-05-05
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-03-29
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. (MD)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (WA)

I originally tried to open a Sofi Money account in XXXX using my sister 's referral. The application would not process because I had started an application over a year ago with a different email and that email had to be used. I spent several weeks figuring this out with customer service and getting access to my old account that had been set up with my previous application. Then I applied again with their new {$120.00} offer and the application wouldn't let me upload my Driver 's Licence. I eventually got this to work, but was declined because the info on my driver 's Licence didn't match. I got this figured out with customer service that my old profile had the wrong info. I finally got my application submitted the deadline of the {$120.00} promotion, but my account said it was setting up and I was unable to transfer money in to meet the qualifications of the bonus. The customer service rep I talked to said not to worry and to get the money transferred in as soon as I could. Fast forward to XX/XX/XXXX, and customer service refused to give me the {$120.00} bonus because I did not meet the deadline, although the previous said it was ok. I asked if I could possibly get the referral bonus that I had applied through so long ago, and they said that deadline for that had passed as well, and I'd get nothing.
Consumer complaint received 2021-07-14
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. (NV)

Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. 

I, the natural consumer, XXXX XXXX have not given Equifax, XXXX and XXXX the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. 
Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX