davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OH)

It was brought to my attention that purchases were being made without my knowledge on my Direct Express card. I first discovered this on XX/XX/XXXX. ( I went back to XX/XX/XXXX and XX/XX/XXXX. ) I contacted Direct Express about the purchases that I wanted disputed. I then sent in the paperwork they requested. The outcome of the investigation was not in my favor, even though these were not purchases made by me. Next, I called Direct Express and requested my XXXX, XXXX, XXXX and XXXX XXXX monthly statements. Upon reviewing the statements, there were charges made in all XXXX  months again that I did not authorize. I was told I had to start another claim. I started the claim and sent the paperwork they requested only to be told once again, the charges were authorized by me. 
Next, I requested they send me monthly statements dating back from XX/XX/XXXX to XX/XX/XXXX in order to see when the charges started taking place. They sent them, I reviewed them. Come to find out, the charges started in XXXX or XX/XX/XXXX. ( please forgive me, I forgot, being I see this was a fight that was truly exhausting, and I was too outdone at this point ) Upon my discovery, I was told yet again, to start a claim, only to be told these charges were made by me, which in fact they were not. 
Today, Direct Express had the nerves to email me the paperwork I requested almost XXXX months ago showing how they investigated my claims and came up with their conclusion that I made these purchases and what was their determining factor. I had waved the white flag almost XXXX months ago, seeing it was a fight that I couldn't prove my innocence no matter what I do or say, only to have the bandage ripped off a healing wound. The nerve of the people.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, SD XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-08-23
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. (NV)

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, XXXX, and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financia

l institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer re
port with the written consent of the consume
r. I have not given XXXX, Experian, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and Experian is without my permission and is against the law.

Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, XXXX, and Experian are failing to maintain these procedures. 
Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, XXXX, and Experian.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was charged off in XXXX XXXX XXXX. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Hi Transunion, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this account is about I am not associated with the fraudulent account. Please remove this account as it is messing with my livelihood. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT REPORT. )
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Fair Collections and XXXX XXXX XXXX  out of XXXX Maryland refuse to remove an account on my credit report that I paid. According to their record the account was open XX/XX/XXXX and was closed XX/XX/XXXX. I just received a copy of my credit report today XX/XX/XXXX and this account is still showing on my credit report. How do I get them to remove this from my report. I cited the 15 U.S. Code 1692c ( c ) in my attempt to have this remove from report.

15 U.S. Code 1692c ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) that states that a debt collector must stop communicating with a consumer if the consumer requests it in writing : The consumer must notify the debt collector in writing that they refuse to pay the debt or want the debt collector to stop contacting them.

The debt collector may still communicate with the consumer to notify them that they intend to take a specific remedy.

The FDCPA also prohibits debt collectors from communicating with consumers without their consent or a court order. This includes : Communicating at inconvenient times or places Communicating with an attorney unless the attorney consents or fails to respond within a reasonable time A debt collector can be liable under federal law if they fail to honor a request to stop contacting a consumer. A consumer can send a cease and desist letter to a debt collector via certified mail. The consumer should keep a copy of the letter for their records.
Consumer complaint received 2022-06-26
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. (SC)

In accordance with the Fair Credit Reporting act 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 2023-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have reached out to Santander Bank multiple times to help me validate if a transaction in genuine or not. Santander Bank refused to help and I am a victim of a scam. If was information that they could easily track but refused to do so. This caused me to be victim of a XXXX scam.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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)

These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove 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 2022-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (NY)

I was denied a personal loan from Citi bank though I have been a customer since 2018 have a credit card and bank account with them. I requested a loan for XXXX to pay off my credit card debt, for a total of 24 months at a payment of XXXX a month, which would lower the amount of money I pay each month to service this debt. I was denied the loan even though I have a pervious history with this bank and they can clearly see that I have enough in deposits per month to pay the loan requested, they also know who much money I spend on servicing my cc debts as I use that bank account to make payment on the other cards. I also would like to make mention that the bank used my personal XXXX  account in assessing my credit risk ; I know this because the bank was revealed as one of my searchers with someone from the list of searchers working in risk management. I do not understand how XXXX  is a credible source to evaluate my credit worthiness, or how looking at my profile helps them without unduly biasing the person who is doing the risk assessment.
Consumer complaint received 2022-09-09
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. (IL)

On XX/XX/2022 I sent TransUnion a dispute letter detailing the accounts listed on my consumer report that do not belong to me and requesting any proof the company had on file to give clarity on why items that are not mine are on my account. TransUnion did not even investigate my dispute. TransUnion replied with a response dated for XX/XX/2022 simply said " we applaud your efforts but it does not appear that you sent us this dispute ''. What does that even mean? Not only was this less than 15 days out of the 30 the FCRA provides CRAs to conduct proper investigations but also all of my verification documentation was present and the document contained the last four digits of my social security number. TransUnion blatantly refused to do their job and conduct a proper investigation. The company insinuated in their response that I am not an educated consumer nor have the ability to know my rights. I simply asked the company to do their job and they refused. This is willful negligence and subject to punitive damages. One look at PACER will show that TransUnion has a long history of abusing consumers.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (IA)

This company is reporting inccuate information on my credit profile. They have failed to resolved the issue and remove this inaccurate informtion. They have also failed to provide me with the requested information as to how they verified these items therefore this company in not in compliance with FCRA laws.