davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2024-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP (CA)

CFPB found that XXXX had manipulated credit card Balances and Interest Rates and required XXXX to reimburse the credit card holders {>= $1,000,000}. I received XXXX checks totaling {$950.00}. Prior to receiving these checks a credit card debt collection company XXXX & XXXX XXXX  through their attorneys Kenosian & Miele here in XXXX, California. The XXXX XXXX XXXX case # XXXX where through a Mandatory Court Settlement conference a stipulated agreement was reached for {$5000.00} to be paid at $ XXXX month down from a Manipulated balance of {>= $1,000,000}. The original interest rate was 9 % and later manipulated to 29 %. I objected. Please call me XXXX!
Consumer complaint received 2022-06-24
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. (MA)

I am submitting this complaint myself to address the imprecision on my Experian report. I am unaware that my courthouse has the ability or manpower to call Experian and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the actual third party that provided you with the details for the following : Bankruptcy XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. 
CITICARDS CBNA Date XXXX XXXX
Consumer complaint received 2022-06-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IA)

My ex-husband hacked my personal accounts including my Chime bank account and my XXXX  account changed passwords and from XX/XX/XXXX to XX/XX/XXXX transferred money to himself without my knowledge or permission. The amount totalled XXXX both companies denied my claims multiple times. This is not the first I have had this issue I have a XXXX XXXX  account that is negative {$500.00} from my ex-husband as well. I disputed these in XX/XX/XXXX and XX/XX/XXXX and in XXXX of XXXX all were denied.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA TOOK MY {$350.00} PAYMWNT AND APPLIED IT THEN NEVER REFLECTED IN THE BALANCE, I CALLED AND SPOKE WITH MULTIPLE SUPERVISORS REGARDING THIS. THEY REFUSED TO REFUND THE PAYMENT AND CLOSED MY DISPUTE. I BELIEVE THEY ARE TRYING TO GET AWAY WITH MONEY LAUNDERING
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.
Consumer complaint received 2022-09-24
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. (FL)

I have made several attempts to have late payments removed under the law. The law that I stated in my letter to TransUnion was 15 USC 1681 ( b ) ( 2 ) under permissible purpose. In order for anything to be furnished on my consumer report, written consent needs to be provided by me. If no consent is give then then by definition identity theft has been committed. Also under the GLB act it states that the consumer which is me XXXX XXXX XXXX needs FULL and conspicuous easy to read detailed disclosure if that company shares my information with a third party. I wrote to XXXX XXXX and asked for copied of my legal contract and they do not have copies for either card. The negative remarks that were placed illegally according to the definition of identity theft have placed a hardship on myself and my family as well as undo stress and financial strain.
Consumer complaint received 2022-06-19
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. (GA)

Credit repair email complaint In accordance to the fair credit reporting act, TransUnion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by reporting the accounts listed below : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$550.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish in account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan is late for any purpose.
Consumer complaint received 2022-09-24
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. (MI)

XXXX XXXX XXXX XXXXXXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with Experian not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. Experian for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation
Consumer complaint received 2023-05-12
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35
Consumer complaint received 2023-11-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Kikoff Inc. (KS)

I opened a kikoff credit account and had my student loan disbursement direct deposited to the account. I never received a physical card in the mail. On XX/XX/XXXX i believe, after a declined sale at XXXX 's, i called customer service to find out what was going on. I was informed in that phone call that on the XXXX of XXXX {$5200.00} of my money had been transferred too a prepaid card in my name. I was completely shocked by this information and after explaining I had not authorized any such transfer asked the rep too dispute all of the charges made up to that day, as i never had received a card. I also asked too what entity the other prepaid card belonged too so I could attempt too track down my money. I was on the phone for a good 50 minutes at this point, and suddenly after asking, the line disconnected. Rather frustrated I waited a few days too see what if anything happened. Nothing. I did receive finally a physical card in the mail, and still was not getting any notices or updates. I then reached out too XXXX XXXX XXXX. And gave them all the information I had managed too gather and explained that there was something of a language barrier and hoped that maybe they could get the process moving. It is now, Mid XXXX and the only answer I have gotten is that my disputes since there were so many. We're filed in batches and I would be seeing the funds returning at all different times. That is not the case at all.
Consumer complaint received 2022-05-28
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: CLGF Holdco 1, LLC (GA)

I reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
Consumer complaint received 2022-06-15
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. (CA)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am not working with no credit repair company this is me and only me. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. please see attached documents.