davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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)

Experian/XXXX credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (DC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-01-09
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}. 
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-22
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: BARCLAYS BANK DELAWARE (TX)

I treated my family to a 4 night vacation in XXXX. We purchased 3 rooms from XXXX in XX/XX/2022. When we arrived to the hotel 6 month later on XX/XX/XXXX, we were told by the hotel that all 3 rooms were sold out. With no where to go or turn because we are now stranded at a hotel in XXXX, we were instead put in 3 single bed bedrooms for XXXX adults, including XXXX men, my brothers. Unsatisfied, we checked out early and spent double our vacation budget to move my family to another hotel in XXXX. 

I was instructed by XXXX to dispute the charge with my credit card provider BarClayUS because we ordered 3 queen bedrooms and were not given what we pre-booked 6 months before our vacation. When disputing the charge I provided the credit card company with the original receipt of the booking, the receipt of the second hotel we moved ( with assistance from XXXX ), photos of out early check-out forms, and photos of my brother sleeping on a cot. This was NOT the 4.5 star experience we paid for, and this was NOT what we ordered. 

However, my credit company will not budge. They are aware we did nothing wrong. They are aware we did not purchase the rooms we were put in. And they are aware that we checked out early. I have been fighting this case now going on 10 months this year. What are my rights?
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (CA)

On XX/XX/2023 I applied for the credit XXXX secured credit card solely because of the advertisement which states that I would receive a XXXX second decision- and that my credit would not be affected with a credit check throughout the process. I expected to receive a decision right away and instead I was told that it would take weeks to get a decision and that my credit report would taken- and as a result my credit score would be negatively impacted. The company blatantly advertised false information. ( Please see attachments ). In the pictures below you will see there is no asterisk next to the conditions or an indication to see notes below. Furthermore, even the smalll print fails to notify the customer that the statements made regarding decision time and credit checks are subject to conditions. In fact there is no mention of conditions in this advertisement and I have informed both credit one and credit karma of these false advertisement They are both responsible for advertisement false and misleading information.
Consumer complaint received 2023-11-29
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. (TX)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report.

According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

When attempting to close my account due to avoid credit reporting Affirm stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and Affirm reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment Affirm would remove it from my credit report. I caught up with my payment and Affirm did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. Affirm falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.
Consumer complaint received 2023-11-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I opened an account with Navy Federal on XX/XX/XXXX, and added a debit card. I deposited XXXX on XX/XX/XXXX from my XXXX XXXX. I deposited XXXX into the account on XX/XX/XXXX and a XXXX  transfer from my XXXX checking account of {$150.00}. I received a XXXX  transfer of XXXX from my friend. and another XXXX  transfer for which I can not name the amount because the account is locked. I then purchased a XXXX for XXXX the XXXX transfer was from friends we were all putting in on an XXXX XXXX. my account was then locked and inaccessible on XX/XX/XXXX. I called Navy Federal to see what the issue was because I hadn't gone over my limit nor had any fraudulent transactions. The receptionist proceeded to let me know she couldn't see a reason for my locked access and that I should fill out an appeal which I did on XX/XX/XXXX I believe I had called back after 10 days and they still had no update for my account only to keep a lookout for an email saying they've received it which I haven't gotten that either. There is still money in the account that I have no access to and I'm upset because I was trying to build a relationship with them on a business scale. This whole matter has been timely and frustrating.
Consumer complaint received 2023-11-09
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. (LA)

I XXXX XXXX have new and updated information about an unknown, inaccurate account that is being reported by Experian. I filed a complaint with CFPB stating that I have no knowledge of this unknown, inaccurate account and that it be deleted immediately off my credit report. Experian is continuing to ignore and violate my consumer rights by responding to my dispute as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). The FCRA 611. [ 15 U.S.C. 1681i ] Procedure in case of disputed accuracy states that the consumer reporting agency shall conduct a reasonable investigation to determine whether the disputed information is inaccurate. I did not receive a fair investigation as the law states. Experian is illegally updating old remarks with present remarks which is hurting my credit every month and causing my family and I to experience financial hardships, XXXX and denied credit. Please hold these companies accountable and delete immediately!!!!!
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (NY)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below : 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 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
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (TX)

I XXXX, XXXX here on behalf of XXXX XXXX hope this letter finds you well. I am writing to inform you of my intention to file a civil complaint against you for securities fraud and breach of contract, pursuant to federal statutes. The purpose of this complaint is to seek redress for the harm caused by your actions, which include the unauthorized sale and trading of my securities, refusal to provide me with the equity owed, and failure to rescind my promissory note. 

Factual Background : XXXX. On XX/XX/XXXX, I entered into an agreement with you, whereby I provided security collateral in exchange for certain financial benefits and equity.

2. As per the terms of our agreement, the security collateral I presented became a valuable instrument to your bank, and I was entitled to the corresponding equity and benefits.

3. I understand that WELLS FARGO has the ability to approach the Federal Reserve and obtain cash/ Federal Reserve Notes ( FRNs ) by utilizing my indorsed promissory note/bond/security according to the Federal Reserve Act Section 16 , 1 and 2 codified in 12 USC 412.

4. However, without my knowledge or consent, you engaged in the sale and trading of my securities, thereby depriving me of the benefits and equity that were rightfully mine.

5. Despite my repeated requests, you have refused to provide me with the equity owed to me, causing significant financial loss and emotional distress.

6. I understand that my application/promissory note was really a security purchased by WELLS FARGO and you are breaching fiduciary duties that come with penalties according to Federal Reserve Act section 29.

7. Additionally, you have failed to honor my request to rescind the promissory note, which was based on the understanding that I would receive the agreed-upon benefits and equity. Rescission is a remedy made available when the underlying basis for making a contract is fundamentally tainted. Some conduct on behalf of a contracting party undermines the very reason that the other party made the contract in the first place. The contract can be rescinded, at the option of the affected party.

Legal Claims : 1. Securities Fraud : Your unauthorized sale and trading of my securities without my consent constitutes a violation of federal securities laws, including but not limited to Section 10 ( b ) of the Securities Exchange Act of 1934.

2. Breach of Contract : Your refusal to provide me with the equity owed and failure to rescind the promissory note are clear breaches of our contractual agreement, entitling me to damages and other appropriate relief.
Consumer complaint received 2023-10-21
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. (TX)

I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile.

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA.

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ; XX/XX/XXXX Balance : {$12000.00}.
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (FL)

To Whom This May Concern ; The organization known as Affirm uses very unethical and manipulative tactics while they employ very unprofessional individuals as it pertains to their installment loan tactics. This includes their " supervisor '' being verbally abusive, unprofessional, and using threatening language while stating very untrue facts. Allow me to explain : I had called this organization during the week ending XX/XX/XXXX inquring as to why my XXXX XXXX loan had been charged off. After asking for the call to be escalated due to a very rude CSR, I got this Supervisor on the phone whom utilized very condescending and unprofessional verbiage while stating untrue facts stating there were emails sent warning me of an impending charge off ( NEWS FLASH! NEVER WAS SENT ) When i stated that i had previously called and let them know i was struggling, this organization stated not their problem and nothing could be done to help. 

As such, I have emailed the organization thru their website a formal Dispute of Validity as it pertains to their claims as I am permitted to do under FLA Statute 559.72, which deals with 1st party debt collectors such as Affirm. The supervisor thought i was joke and all but came out and said even after i stated i could retain a XXXX bar certified debt collection atty to see what civil remedies I have available due to the blatant harassament of this supervisor.
Consumer complaint received 2023-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

I became XXXX due to a grade XXXX XXXX XXXX in XX/XX/2022. I have tried to get this loan discharged through the " Total XXXX Discharge '' process, which has been a nightmare. For comparison, i have done the same process through XXXX which has been approved and was painless. XXXX XXXX XXXX and Citizen have refused to help me get this processed and have now told me I'm out of luck, even though I can not work and have a XX/XX/XXXX. Because my SSI review is in 3 years and not 5-7 they have closed the door on any hope of this getting discharged, but SSI says this is normal for someone my age to be rechecked in 3 years regardless of it being XX/XX/XXXX. 

Most lenders will have a back up option where a doctor will fill out a form explaining more about the diagnosis and what to expect, etc.. not Citizen. They truly do not care.
Consumer complaint received 2023-08-23
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: CITIBANK, N.A. (CA)

In accordance with the fair credit reporting act XXXX  account # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 

15 USC 1681 section 602 States I have the right of privacy.

15 USC 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose