davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (MD)

I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC (FL)

I applied for a 1 bedroom apartment with the " XXXX by XXXX '' in XXXX XXXX on XXXX XXXX. Mind you I have no evictions on my file, my credit is average due to the amount of recent inquiries by Law school and rental properties in addition to Car lots fraudulently putting inquiries on my profile long after I walked out. The company uses a background check service called Core Logic. Not only did they report a false report as the reason to deny my application but they used false background reasoning to support their argument to further deny me an apartment. I did my own background check after they did it and did not find anything they were claiming to have found. It did not state anything they said and my credit score did not state anything they said as well. They just did not want me to have the apartment and Core logic used its resources fraudulently in order to deny me the apartment.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XX/XX/2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a mentally challenged individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the XXXX XXXXXXXX?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?!

I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ). 
I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
Consumer complaint received 2023-08-10
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. (GA)

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.

has violated my rights. Or list of inquiries 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Consumer complaint received 2021-04-22
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. (CA)

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX XXXX XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Consumer complaint received 2018-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GREAT WESTERN BANCORP, INC. (MN)

I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. 

I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. 

I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. 

I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. 

I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.
Consumer complaint received 2023-02-09
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-17
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
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: U.S. BANCORP (GA)

On XX/XX/XXXX I realized XXXX  was running a scam, so I called Elan Financial Services whom I have a XXXX XXXX XXXX  XXXX XXXX card with and told them I was finished doing business with XXXX because they are running a scam, so dont let XXXX charge my card anymore, and I got my credit card number changed with Elan , and I asked them not to let XXXX know my new credit card number! 
Elan gave XXXX my new credit card number and allowed XXXX to charge my card unauthorized charges in the amount of {$450.00} on XX/XX/XXXX. I tell Elan Services these are unauthorized services, and Elans rep tells me the {$450.00} cant be unauthorized charges : because, I have used turo before : which makes no sense! 
Elan needs to credit my card for these unauthorized charges from XXXX for {$450.00}! 
Now today Im finding out that there are several unauthorized charges on this Elan Financial Services credit card up under recurring which Ive never noticed before and they still have XXXX  up under recurring : eventhough, I told Elan on XX/XX/XXXX that I no longer do business with XXXX. 

Now I want all these recurring merchants and unauthorized charges taken off my account and I need to be credited for all these recurring charges except for the XXXX charge from XXXX XXXX XXXX. Unauthorized charges are XXXX XXXX  {$410.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX {$190.00}, XXXX XXXX {$9.00} XX/XX/XXXX, I dont remember XXXX XXXX XXXX being {$54.00} on XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$42.00}, XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX, XXXX {$13.00} on XX/XX/XXXX, XXXX XXXX {$50.00}
Consumer complaint received 2023-02-25
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. (MI)

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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

Hello CFPB, I have tried to contact American Express Serve a number of times to cancel an American Express Serve Card and have lost the card and don't have the PIN. I am unable to login or recover access to the online account and without the PIN the phone number automatically disconnects the phone line. Furthermore the corporate Amex line doesn't have access to the records of the Serve subsidiary and is unable or unwilling to help. I've also tried tweeting American Express. This has occurred from XX/XX/XXXX to XX/XX/XXXX. The account has a XXXX dollar balance and I simply want the account closed
Consumer complaint received 2023-07-03
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)

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : XXXX XXXX XXXX Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

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 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act 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 2018-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TN)

I contacted the company on or about XX/XX/XXXX regarding a payment I submitted that returned from the bank. I attempted to set a payment arrangement on my account to maintain the positive history that we've had for the past 3-years. 

I was refused the opportunity to set an arrangement because I'm not far enough delinquent. 

I spoke with the company today, XX/XX/XXXX, regarding the same matter and received the same response. 

I have been receiving several phone calls per day regarding the past due balance and they refuse to notate my account, stop the phone calls, and honor any sort of commitment that I'm trying to make to pay the past due balance at a future date. 

This is harassment and poor service. I have been an exemplary customer for years and I'm just trying to communicate with the lender regarding the past due balance ; much more than most people try to do.
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Placed an order XX/XX/18 for {$640.00}. I was to receive {$110.00} Kohls cash and XXXX rewards points. Kohls canceled the purchase without notice at all. When I call it takes about 30 mins to reach someone, which I rarely have time to do. Finally I reached someone who placed my order. Unfortunately she did not restore my points earned nor did she reinstate the {$110.00} kohls cash. That was early XX/XX/XXXX ( XX/XX/XXXX ) and the chairs were delivered ( XX/XX/XXXX ) and the billing cycle closed XXXX. I did not receive a bill until yesterday ( XX/XX/XXXX ) - likely because the purchase was not finalized until this billing cycle. 

Now Ive received a statement confirming no rewards points and no Kohls cash and applying a {$27.00} late fee {$14.00} in interest for chairs that were just received. 

I called 3 times today ( XX/XX/XXXX ) while extremely ill. First I was told that bc I will not provide my social ( to someone outside the country ) I am refusing to verify my account so I can call back. When I demanded a supervisor I got an unnamed voicemail after leaving the voicemail the call was terminated. 

Second call, the rep extorted me by telling me unless I make a {$74.00} payment he will not remove the fraudulent late fees and interest charges. I went over it with him 5 times and he refused to say anything other than once you make the payment I will see about the charges. 

The third rep says they can not help with Kohls cash or rewards. I asked for a supervior and was told they are busy. I told him I already left a voicemail. 

XXXX the collections supervisor finally told me that I was in the wrong department but that my account is delinquent, completely ignoring the prior 18 mins of explaining I had done, so she transferred me to another endless hold line. 

I was transferred to someone named XXXX who is not a supervisor. She had to transfer me back collections. 

Now transferred back to person # XXXX XXXX. She claims that once they receive my payment they will remove the late and interest fees. It took 3 hours to accomplish this. 

This is outright fraud what they are doing. They are enticing consumers to buy goods on the false promise of receiving Kohls cash and rewards points but never award them. They are also charging interest for purchases that have never been fulfilled. 

Upon further review, I was not awarded points for a transaction on XX/XX/18 for a {$540.00} purchase either. 

Every {$100.00} spent generates a {$5.00} reward. I have spent nearly {$1200.00} this year, which should get me {$60.00} in reward points. I have a balance of XXXX points somehow. 

I paid {$530.00} through my bank today which is $ XXXX- {$110.00} ( Kohls cash stolen ) - {$27.00} ( fraudulent late fee ) - {$14.00} ( fraudulent late fees ). 

I have the last 3 calls recorded and screen shots to prove all of the above and video at my home of the chairs being delivered XX/XX/XXXX