davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-06-09
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. (CA)

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : 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 XXXXXXXX Additionally, 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Consumer complaint received 2021-02-25
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)

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, XXXX and TransUnion to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Consumer complaint received 2021-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-07-15
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: Performant Financial Corporation (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

On XX/XX/2022, I XXXX  a moving company {$580.00} to complete a move. Subsequently, the movers did not complete the move leaving saying they would be back and never returned. The movers required upfront payment. After getting someone on the phone and recording them stating that they said they were returning and in fact had no intentions on doing so, I contacted US Bank to report the transaction as services not rendered. The young lady that I spoke with assured me that I would have my funds back in my account within XXXX business days after verifying that she simply couldnt cancel the transaction, but an official claim needed to be submitted. After not receiving the credit back to my account, I contacted US Bank on XX/XX/2022 and was advised that my case was just assigned to a claims XXXX and to give them an additional XXXX business days. Since then, I contacted US Bank a third time and was advised that m claim was denied on the same night I filed the fraud claim and that they dont return XXXX payments. I asked to speak to a supervisor and it has been over XXXX weeks with no response from a supervisor or anyone else.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 accounts 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 incorrect names, addresses, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Lake view Loan servicing LLC ( LLS ) was supposed to pay my real estate taxes in XX/XX/XXXX when I closed on my loan. They never paid them. In XX/XX/XXXX ( XX/XX/XXXX ) I received a tax delinquency notice from my township. I contacted XXXX on the same day and requested they take care of it. I was told a ticket was open and the taxes would be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted LLS and was told a check was sent out to my township for my taxes. On XX/XX/XXXX I received a lien notice from my township because my taxes were not paid. When I contacted LLS I was told they made the mistake and the taxes would be paid by XX/XX/XXXX. I followed up multiple times between XXXX to get a status. I was told it was elevated to the highest person it could go and that I needed to wait until XX/XX/XXXX for it to process. Well here we are XX/XX/XXXX and NOTHING. Now I am told its been escalated again, but I have to wait at least 24 hours for someone to look at it. And then however long itll take for someone to pay it. This is a nightmare company. They dont care how they affect your life. They hold YOUR escrow and down pay the taxes they are required to pay! I dont even have the ability to pay my own taxes! Im forced to have them included in my mortgage payment! Please help! 

I spoke to Supervisors : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (FL)

I joined XXXX  XXXX XXXX on XXXX/XXXX/2020 because they had a deal, but my credit card was locked during their billing and I decided that this gym wasn't for me. I sent my request to cancel my gym membership and it was canceled on XX/XX/XXXX, however I started getting charges that did not match the agreement I signed. I reached out to the manager of the gym on XXXX/XXXX/2020 and was completely ignored and disregarded. On XXXX/XXXX/2020, I requested an itemized bill by going to the website that does the billing for XXXX  XXXX XXXX. I still continued to be billed even after I asked them not to by revoking authorization to my credit card. On XXXX/XXXX/2020 I received an email marked " Final Attempt '' to make a payment but still no itemization nor an explanation of bogus charges.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently filed a CFPB complaint ID : XXXX, where Equifax claims to have " verified '' information that is incorrectly reported on my credit profile. Equifax has not satisfied the requirements under 15 USC 1681i as it relates to the investigative process, Equifax needs to provide information about how they verified this information. Who did they speak to, addresses, phone numbers, what was said to verify this information? 

Equifax has also not satisfied the requirements under 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax has not followed reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. Equifax should also be working with the other CRA 's to make sure all accounts are reporting the same accounts with accuracy. The exact accounts Equifax claimed they " verified '' have been deleted from other CRA 's because they are in fact, inaccurate. Why has another CRA been able to verify that these accounts are inaccurate, and have been deleted but Equifax can not? ( See attached ) Equifax is also reporting that an open/active account has been closed by the creditor. This is inaccurate information. The account is still open. I have attached a new order where I used my credit from the account that is being reported as closed by the creditor. This also does not satisfy the requirements of 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax does not follow reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. ( See attached ) These are all known violations, that I expect to be remedied immediately. I have filed with the FTC report XXXX making them aware of this pattern of violations pursuant to 15 USC 1681s ( a ) ( 2 ) ( a )
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account.

On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank. 

I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues.

Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed. 

During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker. 

It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank? 

The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?! 

Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Dave Operating, LLC (IL)

I asked the company to stop all payments XX/XX/2022 and have taken out a XXXX dollar out of my bank account ending in XXXX XXXX on XX/XX/2022 i am unable to login to account know ask why called and said my account is closed
Consumer complaint received 2022-09-18
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. (OH)

XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-07-15
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-08-20
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. (IL)

A company called XXXX on XX/XX/XXXX ran my credit. I hadn't had my credit ran since XXXX. I want this removed please. I've sent multiple letters on this before.
Consumer complaint received 2022-07-29
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)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2009 Balance : {$0.00}.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (CA)

Chase Freedom Visa is changing the terms of my agreement including what constitutes a " cash like '' transaction. I would like to prevent the card from being able to make a " cash like '' transaction, but they informed me it is not possible to do. I then asked to reduce the cash advance limit to XXXX $ and they also informed that is not possible to do. My XXXX XXXX Visa has no problem setting the limit to XXXX . By not honoring my request, Chase is forcing me to cancel the Chase card and obtain a new card from another financial company, which will have a negative impact on my Credit Rating. The Federal Government should regulate Credit Card companies to force them to provide a means to disable unwanted ( features and fees ).
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OH)

I bought a ticket on frontier and I bought the insurance so that I would get my money back it I cancelled my flight and I did end up canceling my flight and i havent received my refund yet and its been over two weeks