davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: AMERICAN EXPRESS COMPANY (MI)

I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

XXXX  XXXX XXXX date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXXXXXX XXXX  XXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is XXXX the XXXX past and they called back but I'm still on hold for an additional XXXX and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXXL date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
Consumer complaint received 2022-07-07
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)

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-11-28
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: Consumer Portfolio Services, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2023-11-10
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. (CA)

In accordance with The Fair Credit Reporting Act. This account : XXXX  # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX, XXXX, XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XX/XX/2015 Is The date the three credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all 3 bureaus and have been informed by the bankruptcy court that they do not verify information for the 3 credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2015 Is The date the XXXX credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXXXXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all XXXX bureaus and have been informed by the bankruptcy court that they do not verify information for the XXXX credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX
Consumer complaint received 2021-11-28
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} Chapter XXXX Bankruptcy XXXX XX/XX/2015
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom i

t may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents t
hat you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : CAP ONE AUTO Account NumberXXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, XXXX XXXX messaged me on XXXX asking if I wanted money. She didn't tell me what company she worked for, she just said she ran her own business. Being an unemployed, XXXX XXXX XXXX, I needed money to pay for tuition so I said yes. She emailed me a check of {$2500.00} and then asked for me to send {$1000.00} to her grandma to pay for her medical bill. I sent the money and then she asked me to send another {$1000.00} to her doctor. My mom saw the charges and told me it was a scam and I called my bank, USAA, and explained everything that happened. They told me that I would have to pay for the money I sent even though it was a scam.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous personal information reporting on my Credit Report : XXXX XXXX
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (CA)

My DirectExpress statements are showing multiple duplicate charges and the bank is refusing to acknowledge them even though it shows on all of the statements that there are multiple duplicate charges and the money leaving my account.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens bank Total debt In rearrs due to bank overdraft policies, I could not take out money but they allowed hundreds of dollars of auto pay withdrawal from my account be paid from XXXX on until they put my account in to collections I ended up with a XXXX plus debt and they also garnished a 1 week worth of work during covid that I was still not collecting unemployment or pua benefits from my separation from work date on XXXX and then garnished a XXXX dollar check from working for a day labor employer they have been the reason that I could not get essential debt assistance from nonprofit organizations and I will have to work with a cfpb.gov agent to go over their flagrant disregard of financial hardship of a customer who repeatedly asked for assistance haven have to email an executive at the XXXX XXXX NY headquarters with still no assistance actually only adding more frustration of the local branch being even more unwilling to work with me
Consumer complaint received 2023-01-03
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. (VA)

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on XXXX, EXPERIAN AND XXXX XXXX reports as well late payments reported in XXXX, EXPERIAN AND XXXX CREDIT reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Consumer complaint received 2022-07-06
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. (MI)

I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; Transunion, XXXX, and XXXX. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and