davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXXXXX account # XXXX, XXXX, XXXX account # XXXX, XX/XX/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.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # 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
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) *XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; *XXXX XXXX XXXX XXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

Radius Global placed a negative collection account on my credit bureau report with a delinquency date of XX/XX/2019. I do not know who this creditor is or what debt this is as i have received no notification including the opportunity to request the validity of debt debt before this negative information was placed on my credit bureau report. These tactics are deemed unfair and deceptive under the XXXX governance, as it has caused unavoidable harm, including but not limited to a decrease of my credit score. These tactics are also a direct violation of Fair Credit Reporting Act.
Consumer complaint received 2022-06-17
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. (NJ)

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and XXXX, Equifax credit reporting agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  Inquired XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (GA)

I visited XXXX XXXX  on XX/XX/XXXX to order this year 's free credit reports. As was the case last year, all reports requested were received w/o incident except for Experian. As such, CFPB Complaint #  XXXX was filed on XX/XX/XXXX. Although Experian promised to mail the requested report in its XX/XX/XXXX response, I'm yet to receive it. 

Since my XX/XX/XXXX online request for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, it looks as if Experian has done little to address the them. Although successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. 

As such, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the requested credit report has been received.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I been having trouble removing a fraud alert from Transunion for over 45 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX I OPEN A CHECKING ACCOUNT WITH CITIZEN BANK THE BRANCH THAT I WENT TO IS XXXX XXXX XXXX XXXX XXXX NY XXXX. I JUST OPENED MY ACCOUNTS WITH CITIZEN BANK AND I MADE CHECK DEPOSITS THEY WAS FOR BIG AMOUNTS OF MONEY MY CHECKS CLEARED A CITIZEN BANK MANAGER HAS MY BANK ACCOUNT ON HOLD AND UP FOR REVIEW I NEED TO WITHDRAW MY FUNDS TO PAY MY RENT AND BILLS THIS BANK MANAGER AT THIS BANK HAD MY ACCOUNT ON HOLD FOR ONE WEEK I WAS ABLE TO WITHDRAW FUNDS LAST WEEK THEY PUT MY ACCOUNT ON A REVIEW FOR NO REASON THERE IS NOTHING FOR THEM TO REVIEW THEY NEED TO GIVE ME MY MONEY THAT I DEPOSIT THE CHECKS WAS ALREADY VEREIFED AND THERE IS NO FRAUD THE CHECKS WAS LEGIT THAT I DEPOSIT IN MY BANK ACCOUNT.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (FL)

Chase has closed my account with out properly notifying me while I was making on time payments. During the pandemic the government advise we stay indoors the unemployment I received wasnt enough to pay my housing cost
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (AL)

Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
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. (TX)

Experian stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all 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 is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX I made an escalation report with XXXX spouse again to bank of America XXXX XXXX XXXX in person XXXX  XXXX va from my fraud original report in XXXX XXXX manager Bank of America has denied a credit card opened in my name of XXXX and last payment recorded was XXXX on XXXX. The year I first reported fraud and identity theft to police and all credit agencies and the FTC and office of comptroller USA and federal law enforcement USPS crime unit for us mail theft. Of over 240 k from XXXX and XXXX and XXXX settlement payouts plus a XXXX XXXX XXXX broker account opened in my name in XXXX as per XXXX XXXX at XXXX XXXX XXXX. I sold XXXX XXXX follars of XXXX stock in XXXX NOT XXXX AND IT IS NO WHERE DOCUmeNTED with XXXX XXXX XXXX XXXX XXXX agent XXXX nc. And they sent me a piece of paper with stating account opened XXXX {$3700.00} balance and a check issued in approx XXXX. I never received this either. The FBI left me a message in XX/XX/XXXX reporting they had evidence of suspicious activity on my SSN #. 
THE BOA ESCALATION REPORT HAD MY SOLE ACcounT OF XXXX OPENED in XXXX. I inquired. No response. There was other incorrect phone # nfo and addresses on my screen for my escalation report in XX/XX/XXXX with spouse. It stated updated in XXXX to XXXX   XXXX  XXXX. I have not lived there since XXXX and I did not have an account with Boa in XXXX. AS per XXXX from boa regulatory I was promised the original signature cards from XXXX due to my fraud and identity theft in my name but i have never received the signature cards from XXXX even notifying XXXX I did not open a boa account in XXXX after XXXX intense fraud research on my XXXX in XXXX XX/XX/XXXX she stated it was opened XX/XX/XXXX. 
I have enclosed my XXXX  credit report dated XX/XX/XXXX that has on record the XXXX boa account opened in my name ( that I have never used or received just like the bank card issued to me on XXXX that I never received or used and just like re atm card I order from XXXX XX/XX/XXXX that I have never received I reported to the cfpb recently ) that boa denies as per XXXX. I finally found proof of the boa account from XXXX last payment documented on XXXX  report of XXXX XXXX XXXX with XXXX XXXX. I have never received it or used!!!!!!!!!! As I stated to XXXX and spouse.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I had {$1500.00} in a Bank of America Employment Development Department Debit account. Beginning XX/XX/XXXX and continuing to XX/XX/XXXX there were about XXXX charges to my account by XXXX emptying the account. The amounts of the fraudulent charges varied between {$0.00} and {$3.00}. I reported these fraudulent charges to Bank of America on XX/XX/XXXX and was promised that the money would be returned to me but could take up to 90 days. As of XX/XX/XXXX, 263 days have elapsed since reporting the fraud to Bank of America which has returned {$840.00} to the account. 

Since Bank of America has returned a portion of the stolen money and has stated that the, case is closed, it appears that Bank of America is declining to return all of the stolen money. I have received a letter from Bank of America stating that they, regret any dissatisfaction, which you may have experienced during the the dispute process. Being that the dictionary definition of fraud is, A deception practiced in order to induce another to give up possession of property or surrender a right, and Bank of America is attempting to induce me into giving up possession of my property, this appears to be a case of fraud perpetrated by Bank of America. 

Further, the Bank of America, California Employment Development Department Debit Card Account Agreement, booklet states in item 9, Bank of Americas Zero Liability Policy for Unauthorized Transactions, that I have no liability for unauthorized transactions which these transactions were.

Could you please help me get the Pandemic Unemployment Assistance funds which were allotted to me via the CARES Act of XXXX and fraudulently taken from my account returned to my account?
Consumer complaint received 2022-06-17
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)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-07-31
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. (AZ)

FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian violated my rights to this information by saying they do not have to do so. I have attached the letter I sent as well as Experian response and the certified letter with tracking showing they received the letter
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (WA)

Approximately in 2010 received a new cellular phone from XXXX XXXX. The phone did not work at my new residence. I took the phone back to the XXXX store where it was purchased and an employee told me that I could not get out of the contract. I spoke with the manager and he said that he would take care of it. I turned in the phone and thought my obligations with XXXX were done. About a year later I received a collection notice saying that I owed the amount for the phone plus service for additional months. I have received multiple calls over the past 12 years saying that a new company is trying to collect a debt. I have asked them to stop calling. 
I believe this to be fraud or a manager of XXXX did not do what they said they would do. 
The most recent call was from CBE group XXXX. 
I would like this harassment to stop.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

Online purchase was placed on XX/XX/2022 order number XXXX for white Linen dress size XXXX, item # XXXX and white cardigan size XXXX, item # XXXX. The dress did not fit so I returned both items by mail per instruction for returns to XXXX. I called XXXX to confirm returns had been received also received email from XXXX XXXX on XXXX XXXX confirming the order had been returned was well. 
I also received a check from XXXX XXXX XXXX # XXXX for the return amount {$110.00}. On the check stub a statement saying * This check if for the item ( s ) you returned. We hope you will choose another item and order soon. Thank you for shopping with us. 
After a long conversation XX/XX/XXXX with assoicates/manager/supervisor at Comenity Bank advise there was still a balance due has applied a late fee and demanding I pay the balance and or make payment to items that have been return. This is the next steps that I am attempting to find a solution.
Consumer complaint received 2020-05-11
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. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2022-06-17
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. (NV)

in accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX, has violate 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.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted several disputes to Equifax advising that my address is not XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

My address is XXXX XXXX XXXX, XXXX, TX XXXX. 

Equifax keeps confirming that the address is valid and they are sending my personal credit report to an address where I do not reside.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 an account without my written instructions
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas 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 an account without my written instructions
Consumer complaint received 2022-06-17
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. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo