davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NJ)

I was on the XXXX gaming site on XX/XX/2023 from XXXX XXXX  to roughly XXXX XXXX. I warn XXXX dollars and closed the application. The next day I logged into my Chime account so see if the winnings was deposited. In disbelief and lost I panicked and call chime. I was told the transactions was still pending and to reach out to the merchant. I did exactly that and was told that I broke the law by allowing minors to access the gaming site. I dont know of any parent allowing their children to gamble and exhaust all of their finances. 
Once the transactions cleared as paid I contacted chime again. I forwarded the emails between me and the merchant. Again clearly I did not authorize or give access to the gaming site. On the XXXX of XXXX I received a determination that the transactions are accurate. I asked for a copy of the information used in the decision. Finally I receive the information and it only included the transaction history. My emails wasnt included nor was there any communication with the merchant. I filed a rebuttal and was told by the XXXX of XXXX I would receive and provisional credit. Sad to say today the XXXX I get a email stating the claim is closed and I wont receive a credit or my money back. 
I cant express this enough I didnt nor would ever allow and minors to break the law, especially at my expense. I did not authorize any transactions after I cashed out. I opened another rebuttal today.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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. (PA)

I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-06-28
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 my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX AZ XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

I used XXXX to pay a rental deposit and the supposed landlord/property owner has now disappeared on me along with my money. I filed a complaint with US Bank who said they would be sending my paperwork to submit my Fraud case. After a week of having received not paperwork, I called back and was told I was denied. The person on the phone stated that it was my fault for sending money to someone I didn't know and that XXXX was not supposed to be for that. I did everything you are supposed to from going through a reputible company to find listings ( this was from XXXX ) to even verifying with the County Assessor 's office the that the owner 's names matched. I also pointed out that this was not unusual and that I had many potential landlords asking for even the application fee to come through XXXX. They didn't even give me an opportunity to submit my evidence, which included the property owner letting me know I would be immediately refunded if I chose not to rent from them. They did no investigation and just denied my claim. I was only given an email to submit documents, after I called and complained at the Bank after a week and so far have gotten no response to the documentation I submitted.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Transfinancial Companies, Inc (AZ)

I received communication from TRANSFINIANICIAL COMPANIES LLC regarding an asserted debt without being afforded the opportunity to dispute said alleged debt in accordance with federal law 15 USC 1692g. No statement providing 30 days for resolution was ever sent. Despite my request for debt validation, supported by green receipts as evidence of sending validation and cease and desist letters, TRANSFINIANICIAL COMPANIES LLC failed to provide validation. Despite being specifically asked for a contractual agreement between us, they neither produced any judgment against me nor validated the debt through a lawful binding contract. I explicitly instructed them to cease communication through all channels, yet they persist in tarnishing my consumer report, attempting to collect an alleged debt that remains unverified. As per the definition in 15 USC 1692a, 'Communication ' refers to the conveyance of debt-related information directly or indirectly to any individual through any medium. TRANSFINANCIAL COMPANIES LLC continues to convey information regarding an unvalidated debt, adversely affecting the creditworthiness, credit standing, credit capacity, character, and overall reputation reflected in my consumer report. 
They have additionally communicated through postal mail, asserting that I owe a debt, which constitutes a violation of 15 USC 1692b ( 2 ). The language used in the contents of the mail indicates that the debt collector is in the business of debt collection and that the communication pertains to the collection of a debt, thereby violating 15 USC 1692b ( 5 ). I have endured harassment and abuse through the tarnishing of my reputation and the use of obscene and profane language designed to inflict stress upon me, the reader. This conduct also breaches 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).

According to 15 USC 1681 ( 2 ), Congress acknowledges that our consumer reports are synonymous with our reputation. 

They have communicated with me through an attorney in an attempt to collect a debt, which is another violation of 15 USC 1692e ( 3 ). 

I possess exhibits supporting all the violations outlined herein and am compelled to reach out to the Consumer Financial Protection Bureau ( CFPB ) with the earnest hope of expeditiously resolving this matter. I am fully prepared to pursue legal action should they fail to provide a remedy for the issues raised.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-11-11
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-10-25
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. (TX)

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 XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris 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 ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (NJ)

I recently pulled my updated credit report and found out that they still reporting the XXXX accounts that I have been disputing since months ago. These frivolous accounts are not mine and I need them to be remove from my EXPERIAN file. I am trying to reach out the CFPB now because I do not understand how and why EXPERIAN do not remove these disputed accounts, That's my big concern. I am Attaching a copy of my most recent Identity Theft Package, that I submitted to EXPERIAN a few days ago. The following accounts do not belong to me : XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MORGAN STANLEY & CO. LLC (CA)

An unsigned check # XXXX in the amount of {$9100.00} was cashed on XXXX XXXX. 

I caught the mistake in XX/XX/XXXX and contacted Etrade. They originally did not agree to help me but eventually transferred the fund into my account on XX/XX/XXXX after I escalated the case. 

However, they transferred the fund out of my account on XX/XX/XXXX and are not cooperating with me to reach a satisfactory outcome. ( The agent I spoke with on the phone said he would call me back with an investigation outcome. However, a few days after we spoke, I noticed a note on my account stating that the investigation is complete and I received no phone call. ) XX/XX/XXXX - unsigned check ( {$9100.00} ) cashed. 
XX/XX/XXXX- Etrade transferred {$9100.00} back into my account after my call alerting them of the situation. 
XX/XX/XXXX- Etrade transferred {$9100.00} out of my account. 


Thank you.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-10
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)

HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 90 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS on the Error.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law. 

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.