davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account : XXXX XXXX XXXX I have been sending letters to both the creditor and the credit bureaus in regard to this account. 

The first letter was in regards to USC 609 - verification of the debt in XX/XX/XXXX. The creditor FAILED to respond. 
The second letter was in regards to 15 USC 1681S-2 sent XX/XX/XXXX. Once again, the creditor did NOT respond. 
The third and fourth letter was a final follow up to the first two letters sent XX/XX/XXXX. This letter reference both above letters as well as a violation of 15 U.S. Code 6802. There was NO response. 

XXXX XXXX XXXX  has failed to properly respond to my dispute of this account. As it has been more than 30 days I am requesting the immediate removal of this account. I have tried to access the account online yet they are not allowing me to access the account. I tried to call yet each person kept hanging up. Finally they failed to respond to all 3 letters within 30 days of the post marked date. XXXX XXXX XXXX  is violating several consumer laws under the FCRA by not providing proof of the debt, violating 15 USC 1618S-2, and filling to respond to my dispute within 30 days. 

I have attached the letters sent for reference to what I am referring to.
Consumer complaint received 2022-08-23
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2022-06-06
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX/XXXX  XXXX  account # XXXX, XXXX account # XXXX, XXXX/XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX 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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-23
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. (FL)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Has violated my rights.

15 U.S.C 1681 section 602 A. States I have a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021
Consumer complaint received 2022-08-23
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. (GA)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation because as you can see in the attached screenshots this information is being reported inaccurately across ALL THREE BUREAUS! FCRA Act Section 611, gives me the right to request an explanation of the verification method. I request a copy of any documents used to verify my information under the FACTA act, SEC 312 ( b ) and ( c ).

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. 


The following inaccuracies MUST BE DELETED NOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Transunion account number XXXX and XXXX  Account number XXXX INACCURATE INFORMATION : Account numbers, High Credit Limit, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX  XXXX XXXX Account number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate, and incorrect. YOU MUST DELETE THIS FROM MY REPORT. XXXX XXXX Account Number XXXX INACCURATE INFORMATION : Date Opened, Last Reported, Last Active Dates are all inconsistent, inaccurate and incorrect. YOU MUST DELETE THIS FROM MY REPORT. 

See attachments for full details
Consumer complaint received 2022-11-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a Citizens One Deposit Checking on XX/XX/XXXX with an offer code to receive a {$300.00} bonus after making XXXX direct deposit greater than {$500.00} within 60 days. The promotion also included {$2.00} cashback per debit card purchase up to {$100.00} within 60 days. I set my employer 's direct deposit to deposit {$500.00} into this account which was received on XX/XX/XXXX. After that, I set my job to only deposit {$5.00} per paycheck. I had already fulfilled the terms to receive the {$300.00} bonus, and should have been on track to receive it by XX/XX/XXXX according to the terms. However, Citizens sent me a letter dated XX/XX/XXXX stating my account had been closed with no reason provided other than they " have concluded that we can no longer maintain our banking relationship with you '' and if I have any questions, to contact the local branch. It was signed " Sincerely, Fraud Operations. '' I could no longer login to my account from that point forward. 

I called the specified branch on XX/XX/XXXX and they said the account is actually open, and to regain access, it looks like identity verification is needed and I can go to the branch in-person with my driver 's license to have it sorted out. I went to the branch on XX/XX/XXXX where they tried to regain my access to the account, but were unable to. They said it is not Citizens who closed the account, but some federal fraud organization that did so due to the activities on the account triggering them to close it based on it looking suspicious/fraudulent. All I did was direct deposit money in from my employer, and then transfer it out to another external bank account in my name, so I do not understand what is suspicious about that. I have done similar activity with other banks and never had my account closed or flagged by a federal organization for fraudulent activity. Although the letter says, " we regret to inform you that we have closed the Citizens Bank account ( s ) referenced above. '' So was it them or the federal organization that closed it? They stated there is no manager in that branch and I could try another branch with a manager, who could file an appeal to the federal organization, but even then, it is not certain they can fix it for me. I am not going to another branch at this point. 

So Citizens did not give me reason for my account closure in the letter they sent, and then misled me when I called saying I could go to the branch in-person to have it fixed. All of this proved to be a waste of time because it was apparently not them who closed it, and to file an appeal I need a manager, which apparently not all of their bank locations have.

I completed the requirements to receive the {$300.00} bonus and right after doing so, Citizens closed my account ( or didn't, because the lady on the phone told me it's not actually closed and I continue to receive emails from the bank about the perks and benefits of my account ).
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XXXX XX/XX/2022 at XXXX XXXX, I received an email from PayPal . The subject was " You can no longer do business with paypal ''. My assumption for the action is because the only thing I had recently done was link my account with my visa card from XXXXXXXX XXXX of  XXXX.I then open my PayPal account and tried to withdraw some money but it wasn't successful. I contacted them through their email on XXXX XX/XX/2022 at XXXX XXXX  and the response was " Thanks for contacting us. 
We want to help you but we cant answer emails sent to this unmonitored mailbox. 
To get in touch by phone or email, go XXXX XXXX & Contactat the bottom of the page. 
PayPal '' I then contacted them through XXXX and they still didn't fix or consider my argument.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MD)

I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX XXXX XXXX XXXX did not accept the application because they couldnt verify my identity. XXXX XXXX XXXXXXXX also denied the application and called me to verify if it was identity theft or not. XXXX XXXX XXXX  however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all 3 of my credit bureaus and report to the FTC about my identity theft. I opened a claim with cXXXX XXXX XXXX, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, XXXX XXXX XXXX  denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (GA)

I received a cash app card with my address in the name of a minor child who previously lived next door to me. Her Mom passed away in XX/XX/XXXX. I informed cash app the first time this happened that the child is a minor and that the family has informed me that they are unaware of who is sending her money on the card. Cash app customer service investigated and cancelled the first card last week. I just received a second card on XX/XX/XXXX and asked if they could cancel it and block my address to stop anyone from ordering under my address and they said they could not. I asked for a supervisor or a manager since XXXX the customer service agent already had me hold a number of times during the hour long call to get his answers. I was told to send an email to customer service. I declined because of the severity of the situation where the child may be in danger of an adult sending her money possibly from some online predator who may be grooming her for a number of reasons like abduction etc. I was then told by XXXX to tell me they can not assist any further and to end the call, so he hung up as he was instructed. My concern is that I do not wish to have my address/information involved in any way with a situation involving any type of fraud or especially with a minor child who may or may not be in danger.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (PA)

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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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.