davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( Gramm-Leach-Bliley Act ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX XXXX XXXX did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Consumer complaint received 2022-07-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the Fair Credit Reporting act XXXX PORTFOLIO RECOVERY XXXX XXXX XXXXXXXXXXXX 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-10-23
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. (NY)

THIS NEGTATIVE ITEM THAT THIS COMAPANY REPORT TO THE XXXX XXXX WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY ON AUTHORIZED TO FURINISH ANY REPORT TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDER IDENTITY THEFT UNDER 15 USC 1681
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

Applied for a XXXX membership and the XXXX employee suggested that I apply for a Citi credit card.I applied and was denied went on the Citi web site and was unable to find out why I was denied.Also was never able to reach their customer service phone line to get an answer.Later I found out that it was do a collection action which is an illegal transaction.I have filed a CFPB complaint on both the debtor and the collection agency.Filed a dispute letter with XXXX XXXX XXXX investigate the complaint and removed the collection action from my account.
Consumer complaint received 2022-09-25
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule. 
Thank you.
Consumer complaint received 2022-08-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-27
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. (CA)

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Experian?

When was the dispute sent to the original information furnisher?

When did Experian receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Experian is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the judge ruled that Experian violated the Fair Credit Reporting Act by failing to compare evidence. Experian has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

This is to complain against the Binance. 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of BINANCE to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with BINANCE. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to BINANCE respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of BINANCE to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with BINANCE, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 
General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by a scammer called XXXX XXXX XXXX ( the " Scammer '' ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

In the document attached, I have listed the transactions ( Deposits ) I made through Binance ( XXXX XXXX ) which needs to be recovered
Consumer complaint received 2024-08-27
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2024-08-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX  XXXX Balanced {$420000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX XXXX Balanced {$14000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$450.00}
Consumer complaint received 2022-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am consumer and I am submitting this complaint without any other party or credit repair organization. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report circled in red without consumer consent. I submitted a dispute and several request for XXXX XXXX XXXXXXXX XXXX demanding compliance to the Fair Credit Reporting Act XXXX USC 1681b ( a ) ( XXXX ) instructing XXXX XXXX XXXX to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account per the Gramm Leech Bailey Act 15 USC 6801 and 6802 ( e ) ( XXXX ) from any and all third parties, consumer reporting agencies, to include XXXX, XXXX, Experian. XXXXXXXX XXXX XXXX XXXX has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( XXXX ) revocation and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Experian as evidence of violation whereby any authorization or approval of a specific extension of credit ( 12 CFR 1002.2 account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 15 USC 1681a also specifies that a consumer report excludes report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-11
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 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 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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

I contacted WELLS FARGO CARD SERVICE about reporting late payment after account was paid in the amount {$420.00} in XXXX. WELLS FARGO CARD SERVICE still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However Wells Fargo has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late payments.