davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (NY)

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  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX 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 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 2022-05-30
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. (MI)

in accordance with the fair credit reporting act the following accounts have violated my rights as a american citizen. 

18 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. 

( NAMEOF ACCT, AMOUNT, ACCOUNT NUMBER, OPEN DATE ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy/ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Today is XXXX XXXX. I checked my credit score on XXXX XXXX banking website. XXXX XXXX uses Experian and XXXX XXXX. XXXX XXXX credit score is not the same as my Experian credit score on Experians website. Experian is using XXXX XXXX as well. I have attached both websites to show proof that the credit scores are not the same. The fair credit reporting act law states that all consumer credit reports and scores MUST be accurate. Why is XXXX XXXX not reporting the same XXXX XXXX score as Experian???
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

My aunt, XXXX XXXX, who has been diagnosed with the beginning stages of XXXX has an account with Wells Fargo that she has had for over 15 years and she has been given access to her funds without valid and current identification and now she is losing money after she is allowed to withdraw it from her account. She was issued a new account to transfer her XXXX XXXX XXXX into where she has total access to her monies.
Consumer complaint received 2023-06-06
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/2023, it has come to my attention that ADS COMMENITY/VICTORIA, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ADS COMMENITY/VICTORIA has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc. (OR)

Emergent Servicing contacted me via email on XX/XX/22 regarding an alleged debt to XXXX Shortly after receiving this email, I sent a written letter via first-class mail disputing the debt and requesting additional information regarding the alleged debt. Emergent Servicing has failed to respond to my request yet continues to send attempts to collect the disputed debt ( see the latest email from XX/XX/22 ).
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, this XXXX bank told me they were closing the account an gave me a confirmation number for the closure. XXXX XXXX XXXX # XXXX. There was a {$53.00} balance and I was told a check would be mailed to me. I never received a check after over 3 weeks. I called in again on XX/XX/year> and asked them why I haven't received a check for my {$53.00} and was told they hadn't closed my account. I said, I have a close confirmation so why is that? They made up some excuse. Now when I try to close it they are giving me the runaround. They are going to charge me another monthly fee in XXXX despite having told me the account was closed in XXXX!
Consumer complaint received 2022-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phillips & Cohen Associates, Ltd. (WA)

phillips & Cohen sent me a letter in the mail attempting to collect a debt on or about the XXXX of XXXX. They tried to make it look as though they were doing me a favor by saying I could pay them 50 % or {$480.00} but I had to pay them by XXXX XXXX, 2022. They never made any attempt to verify or validate the debt, I never gave them or any of their partners permission to contact me about any debt, and they didn't even let me know that I had 30 days to dispute this IAW 15 USC 1692g. I only found this out after I started doing some research on my own. Then they even went so far as to threaten me and use bullying language at the end of the letter saying they would not cease collection activities until I payed the full amount.
Consumer complaint received 2024-12-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank who manages and services the store credit card for JCPenney has sent me a change of terms in fees which will go into effect on XX/XX/year>. The increase to interest charges or late fees seems excessive but at least they are easily understood. The concern I have is the fee that they want to add for the purpose of generating a billing statement. Synchrony/JCPenney are threatening to add a fee of {$1.00} per month anytime there is a balance on the account. This fee seems to me to be abusive. How am I supposed to pay for the charges if I do not receive a basic billing statement from the creditor? Not everybody is connected to the internet 24 hours a day keeping an eye on their JCPenney balance. A billing statement s has always a been a basic responsibility for any creditor and part of their cost of doing business. The billing statement typically serves as a reminder to me and many other customers that a debt is due. This seems very abusive, and the fee is for what??? The cost of the mailing stamp? The cost of the paper to print it on?
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

To Whom it may concern, I am writing to file a complaint against U.S. Bank for failing to remove a fraudulent account from my credit report despite my repeated requests. This account was opened fraudulently due to identity theft. I have attached a police report and an FTC Identity Theft Report as evidence.

The fraudulent account showing on my Credit report is : Account name : US Bank Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), U.S. Bank is required to remove fraudulent accounts from my credit reports. However, U.S. Bank has not complied, severely impacting my life and credit. I request your assistance in ensuring that U.S. Bank complies with the FCRA and promptly removes this fraudulent account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid 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 (HI)

On XX/XX/2022 a person with the same name as me, purchased 15 pairs of slippers from XXXX XXXX. This person used my XXXX account. I saw the activity and called my credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The card was cancelled. However, the credit card company says I am responsible for the 3 transactions of {$130.00} that occurred on my account. XXXX says, because I called the bank before them, that they are not responsible.? The bank says the activity is valid based on documentation provided by the merchant ( XXXX XXXX ) I have written the bank ( Barclays ) several times for a copy of this documentation. They do not respond. I have written XXXX to show them the 15 pairs of shoes were sent to a XXXX XXXX in XXXX Florida using XXXX XXXX. I live in Hawaii and XXXX XXXX does not deliver to my address. XXXX screwed up. Under XXXX screwed up and my bank will not reimburse me for these charges totaling {$400.00}. 
I never ordered nor received 15 pairs of mens slippers from XXXX XXXX using my XXXX account. 
The bank refuses to provide the documentation they say they have to prove their case. Thank you for your consideration of this fraud.
Consumer complaint received 2024-12-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NORTHWEST BANCSHARES INC (IN)

Subject : Formal Complaint Against Northwest Bank for Unjustified Refusal of Car Payment To Whom It May Concern, I am writing to formally lodge a complaint against Northwest Bank concerning their refusal to accept a car payment of {$1600.00} for my auto loan account, without providing any formal notice or justification. This action has caused significant inconvenience and potential harm to my credit rating, and I seek immediate intervention to resolve this issue. 

**Details of the Complaint : ** - **Account Information : ** Loan Account Number : [ XXXX ] Vehicle Details : [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] - **Incident Description : ** On XXXX XXXX, I attempted to make a scheduled payment for my auto loan through an external bank transfer, from my XXXX  personal checking account. However, Northwest Bank refused to accept the payment without any prior notice or explanation. This refusal occurred despite my account with XXXX XXXX  being in good standing and having the verified funds. 

- **Consumer Protection Concerns : ** Under federal consumer protection laws, particularly those concerning fair lending and debt collection practices, financial institutions are required to provide borrowers with clear communication regarding their accounts. Northwest Banks failure to accept my payment and their lack of communication constitutes a breach of these obligations and may violate regulations under the Consumer Financial Protection Bureau ( CFPB ). 

**Impact on Consumer : ** - The refusal to accept my payment has caused undue stress and confusion. 
- This incident could potentially impact my credit score and financial standing, as it may be recorded as a missed payment. 
- I have incurred additional costs and time in attempting to resolve this issue directly with the bank, with no satisfactory response. 


Please find attached copies of relevant documents, including correspondence with Northwest Bank and any other supporting materials. 

I trust that the CFPB will address this matter promptly to ensure compliance with federal consumer protection standards. I look forward to your swift response and resolution. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX 7. i I do not make this inquiry. XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 8. i I do not make this inquiry. XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. i I do not make this inquiry. XXXX Date of inquiry : XX/XX/XXXX Delete this account. 10. i I do not make this inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 15. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 16. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 17. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 18. The followng information is incorect XXXX Account Number : XXXX Delete this account. 19. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 20. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 23. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) .I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Consumer complaint received 2022-10-11
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. (LA)

The mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.
Consumer complaint received 2024-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CO)

Trouble with Kraken!! I opened a Kraken ( crypto exchange ) account on XX/XX/year>. I transferred some money into the account using a wire transfer from a XXXX account. I then bought some crypto and attempted a purchase of some computer hardware using the crypto. I first transferred a small amount to test the connection and this went fine. I then transferred a larger amount to make the purchase. Kraken showed the transaction and took the crypto from my account but never sent it to the destination. I got no explanation and calls, emails, etc went totally unanswered. ( their customer support is only by email and is horrible ). After a few days of zero information from them, I get an email saying they are closing my account and demanding I sell all crypto in the account and transfer the money back only to the original bank that transferred money into the account from. They also stated that I could never open another account, essentially banned for life I guess. This was certainly a shock. Their email also stated that for security reasons, they could not tell me why they were taking this action. After a few more days and many unanswered emails and calls, I got a phone call from Kraken but it was little help. The person was very ill informed and stated things that were flatly untrue. First, he tried to say this account that I was purchasing from is a bad account and I would never get the hardware. This is untrue as I've had several friends purchase from this exact same account and have received hardware with no problems. Second, he stated it was illegal to purchase things overseas with XXXX! This is also untrue - people purchase things every day from companies like XXXX and many other overseas companies with many forms of currency. Third, he tried to say this looks like money laundering, which is also flatly untrue. Money laundering is taking money obtained illegally ( " dirty money '' ) and making purchases to make it look " clean ''. My transaction is exactly the opposite. I took money from a XXXX account and made a purchase with some crypto. The person was seriously ill-informed and was zero help and had a horrible attitude. I tried to comply with their demands to close the account but now they've held up this transaction also and are keeping my money and keep asking for more personal information that is none of their business ( now they want a full XXXX  statement of my account ) I was transferring the entire amount right back to XXXX  like they demanded and still they will not transfer. I also demanded they refund all my fees from them since they caused all this ( {$390.00} ) but they will not respond on this demand. They've also never explained a reason for their drastic actions and treatment of my account. They act as if they are unaccountable to anyone and can do as they please with peoples money.