davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXXXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

American Express took it upon themselves to automatically opt me IN to paperless billing without my consent. Five minutes after they sent me an email notifying me of this change and after I responded by having to log into my account to again opt OUT I received another email from them telling me my current month paperless statement was now ready. I did not and do NOT request paperless statements and do not appreciate American Express forcing this on me
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I submitted a dispute in XXXX with Citi credit card company for {$5500.00} after being scammed by a contractor who was operating an unlicensed business. The contractor is supposed to build a wood structure and after I paid him {$9000.00} he delivered some sub standard materials and abandoned the project blocking me on the phone and social media. I made XXXX payments through XXXX using the Citi visa  XXXX, one of {$3500.00} and one of {$5500.00}. The {$3500.00} amount was recovered by XXXX. 
After contacting Citi and providing them with all the information needed, they replied that they closed the dispute without solving it. I called citi dispute center to discuss why they closed the dispute and they asked again for the same documentation that I already provided. 
I discovered that my XXXX 's company doesn't even exist and filed complaints against him with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  and Attorney General of XXXX  but Citi is dragging in recovering my money.

I had to pay another contractor {$1700.00} to remove the materials provided by this contractor.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Apex Advising LLC DBA Apex Credit Fix (CA)

Apex Credit Fix is fraud. Website payments are misleading. They should be required to inform people that you will be paying third party services such as smart credit, which is a fee they dont add to their {$67.00} on their site. So I been paying about {$100.00} dollars a month. They used a credit boost to make score look higher but it disappeared after a week. I started with this company in XXXX, its basically XXXX, and I came in with a total of XXXX inquiries they couldnt remove XXXX but suppose to average XXXX in 4 months ( Which they now changed to XXXX months )? I asked the company multiple times about this and they just said they are sending disputes and it takes time, however XXXX disputes later nothing. It was a struggle to cancel my subscription. If someone says delete card dont go back and for with them for XXXX min. The " good reviews '' look fake and very redundant on XXXX. Someone needs to audit them.
Consumer complaint received 2023-06-25
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. (FL)

In Accordance to Fair Credit Reporting Act XXXX XXXX  Account # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from Transunion, XXXX, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I received a notification that I had a hard inquiry on my credit from XXXX. I contacted all credit bureaus and let them know. I also placed a freeze on my credit. I tried contacting Citi Banks to let them know I didnt apply for anything and that I believed someone stole my identity. I couldnt reach a live person on the phone due to to the automatic system not being about to verify my current home address with the last XXXX numbers of my social and date of birth. The next day I received an email from XXXX that I would receive a credit card with a line of credit of {$11000.00}. I tried to cancel the card but again I couldnt speak to someone due to the automatic system being able to identify me. I couldnt create an account online to try to stop the credit card before someone had received it but couldnt due to all my information not matching. I was finally able to reach a person on the phone from Citi Banks and explained that at this point someone was going to receive a credit card that I didnt apply for/ want. They were able to supposedly cancel the card and close the account and send me an email with that information. I never received an email in regards to this matter.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Waypoint Resource Group, LLC (NC)

I am submitting this complaint because two debt collection agencies, WAYPOINT RESOURCE GROUP LLC at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX are reporting the same alleged debt on my credit report. This is causing undue harm to my credit score and financial reputation. I have no contract, agreement, or business relationship with either agency, and neither agency has provided lawful validation of this debt despite my requests. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of any alleged debt, and both agencies are legally obligated to cease collection activities, including reporting to credit bureaus, until they provide sufficient proof of the debt. Despite these requirements, both agencies continue to report this debt without validation. Additionally, this duplicate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information, such as debt collectors, must ensure the accuracy of the information they report. The failure to verify or correct duplicate reporting constitutes an actionable violation of federal law. Furthermore, under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), inaccurate or misleading reporting that harms a consumers credit standing is a concrete injury. Both agencies actions have directly caused harm to my credit reputation, subjected me to potential denials of credit, and created unnecessary stress. " Congress plainly sought to curb the dissemination of false information by adopting procedures designed to decrease that risk. [ A ] n intangible harm, such as the risk of dissemination of inaccurate information, can satisfy the requirement of concreteness under Article III. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). " The mere presence of an inaccuracy in an internal credit file, if it is not disclosed to a third party, does not amount to a concrete harm. However, the risk of dissemination of inaccurate information and actual disclosure can result in reputational harm that is cognizable. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2022-07-29
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. (IL)

So I sent a letter off on XXXX XXXX .To remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-05-08
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. (TX)

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX
Consumer complaint received 2022-07-29
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. (IL)

So I sent a letter off on XXXX XXXX XXXXTo remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights,15 U.S.C.1681 section 602 A states that I have a right to my privacy. 1 5 U.S.C. 1681 section 602 A section 2 states a consumer reporting company can not furnish an account without my written instructions which I have never given.
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (MI)

This was a credit card that had no annual fee. A Prosper credit card. I received no email from them telling me that a fee would be attached to the account annually. When I applied for the card there was no annual fee which is the reason why I applied for the card. I've had the card for several years and I have never used the card. I checked my statements monthly and I noticed the {$39.00} fee. I canceled the card before the fee went into effect but the one he was taking by automatic withdrawal from my checking account anyway. I have tried several times through email and phone calls to contact this company and tell them I was charged and the account is closed. I get many promises from them that someone will be calling me back and several times I've been promised the fee would be reversed but I never hear from them I have to keep calling them and getting the same response. The account is closed and it was closed before the feeling into effect.
Consumer complaint received 2021-11-30
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. (MD)

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 are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau 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 remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/2018 XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$0.00}
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX Bank of America debit card was hacked and someone withdrew a total of {$4500.00} in a span of a week on XX/XX/2021. I called the banks fraud department hotline to report what happened and was advised to file a police report to help back up my claim. I filed a report with my local sherrifs office and faxed it to bank 's fraud department. On XXXX XXXX XXXX1 i received a letter from Bank of America saying the case was resolved and no wrong doing occured in my account. I am upset and in a difficult situation with no help in sight. Bank of America failed to secure my XXXX debit card, making it vulnerable.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I upgraded to my amex platinum card from Amex greencard when there is a promotion of XXXX points when I spend XXXX $ on the first three months last year. I spent more than 10000 $ on this card. I was charged the annual fee difference ( from green to platinum ) on the following months in 2018. When I was charged for the annual fee of XXXX $ at the end of XX/XX/XXXX, I thought I was in the second year, I could not afford it any more. So I called to raise my concern. I was offered either keeping my card and spend XXXX $ in three months, I will get extra XXXX points, or I downgrade to another great card, " Amex gold rewards card ''. I selected the second option. 

And today, I found that my XXXX membership rewards points were removed from my card because that I closed my account within 12 months. After I talk to customer service and membership rewards, I just become aware of this term and condition. I feel so sad, yes, The confusion regarding how Amex count the calendar year mislead me to downgrade my card, However, the customer service agent did not remind me when I downgrade my card, otherwise, I will reconsider. 

As a customer for 15 years with Amex, I hope Amex could find a solution for my case and credit my XXXX points.
Consumer complaint received 2024-12-04
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a formal complaint regarding the theft of my benefits from my account with Bank of America. and my benefits were deposited directly into my account. Unfortunately, I discovered that these funds were stolen without my authorization. 
In XX/XX/year>, I noticed discrepancies in my account balance, and upon further investigation, I found that the benefits deposited had been withdrawn I immediately contacted Bank of Americas customer service on and reported the theft, but despite my efforts, the issue has not been resolved, and the funds have not been returned. 
I have taken all necessary steps to protect my account, including changing reviewing security settings, and reporting the issue to Bank of America. However, I have not received adequate assistance, and my benefits have not been restored. This has caused significant financial hardship, and I am seeking your assistance in ensuring that my stolen benefits are returned and that further fraudulent activity is prevented. 
I am requesting that the CFPB investigate this matter and assist me in resolving this issue with Bank of America. Please let me know if you need any additional information or documentation to proceed with my complaint. 
Thank you for your time and attention to this urgent matter. I look forward to your prompt response.