davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section XXXX ( 15 U.S.C . 1681i ) requires an immediate investigation of disputed information. It has been more than XXXX days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section XXXX ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section XXXX ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXX XXXX Required I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. XXXX and XXXX XXXX : XXXX a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. XXXX Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within XXXX days of receipt of this letter. Include documentation supporting your actions.
Consumer complaint received 2024-09-26
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. (CA)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX & XXXX XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2022-12-17
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. (NC)

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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been attempting to correct my information with Experian since XX/XX/XXXX. I have sent letters and made multiple phone calls which I have documented. I called today to attempt to rectify the situation again with success. They are in violation of 15 USC 1681 reporting inaccurate information that is causing havoc in my life, my livelihood. I have filed a complaint with the attorney general, and now the CFPB. I am also seeking a consumer law attorney to move forward if this matter is not resolved immediately. Credit reporting agencies have a duty to report only accurate information and they are not doing it. I attempted to rectify this situation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. My next step will be to sue.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (IL)

I had several accounts hacked at the end of XXXX including my debit card with Wisely ( ADP/Global Cash Card ) being use without authorization to rack up some {$1300.00} in charges. I had one previous merchant dispute for {$100.00} parking that happened a couple weeks before ( they didn't resolve it ) otherwise had no issues up until this point. My problem with Wisely is that they place the burden of unauthorized activity on the consumer. It's been almost a month and I still don't have any of the funds returned to my account. It's over {$1000.00} dollars! Not being given provisional credit for transactions I didn't authorize is absurd and it puts all of the burden on the consumer that's not fair at all. They have not been helpful I have sent them everything they've asked for and more, I've emailed and called to check on credit and am told they don't do that. Well guess what, if you're going to operate like a bank I expect the same protection. I want the credit issued to my account immediately.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX, XXXX and Equifax all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE:XXXXXXXX XXXX XXXX XXXX  SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LCI Acquisition Inc. (SC)

Subject : Formal Complaint Against XXXX and LCI for FCRA Violations Regarding Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against XXXX and LCI due to their continued failure to accurately investigate and respond to my disputes concerning a bankruptcy incorrectly attributed to me on my credit reports. 

Over the past few months, I have submitted multiple dispute requests to both XXXX and LCI, challenging the accuracy of a bankruptcy record that they are reporting to the credit bureaus. This bankruptcy is not mine, and I have repeatedly requested that they provide substantiating documentation to validate their claims. To date, I have not received any such documentation, nor have they taken any corrective action to remove the inaccurate information from my credit report. 

Moreover, my disputes with the credit bureaus regarding this erroneous bankruptcy have been consistently verified as accurate, solely based on information provided by XXXX and LCI. This ongoing failure to investigate my disputes and the continued reporting of incorrect information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result of their non-compliance and disregard for their obligations under the FCRA, I am now left with no choice but to consider legal action to compel XXXX and LCI to properly address and resolve these inaccuracies. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that my disputes are thoroughly investigated and that the erroneous bankruptcy is removed from my credit reports. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (TX)

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 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 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 2022-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022 XXXX ( XXXX XXXX ) transferred {$60.00} to XXXX XXXX on Venmo. I was unaware she had closed her Venmo account. The {$60.00} was withdrawn from my bank XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I requested a refund from Venmo and they said XXXX XXXX had to send them an email confirming she closed account. She did that and was told email not sufficient. On XX/XX/2022 she spent 2 hours on the phone with various Venmo Reps trying to unlock her account but was unable to do so. She was switched may times and got extremely frustrated and the rep hung up on her. She made 5 calls. She got an email saying someone would contact her in 24 hours. No one did. 
They withdrew my money and are not giving it to the recipient nor are they refunding it to me. I can't imagine I am the first person in this position. 

Date Description Type Amount Balance Posted XX/XX/2022 VENMO PAYMENT External Withdrawal {$60.00}
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I banked with Wells Fargo for years until I could no longer handle the overdraft fees when my account shouldnt have been overdrawn, freezing my account many times to where I could not access my money. After paying fees that I know were wrongfully put on my account over and over and they would do nothing about it I finally closed my account. I then received something in the mail stating I owed the bank money for overdraft fees when my account had been closed for over 6 months. I paid the fees because the letter stated it had attorneys involved. At this time I was younger and should have known I was being scammed. Wells Fargo is a fraud!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

As credit report analysis date XXXX it was showing XXXX XXXX XXXX XXXX XXXX with balance of {$1300.00}, I called ( XXXX ) XXXX XXXX to confirm, but they found not records of this account, I want demand XXXX XXXX XXXX XXXX to remove this negative credit inmmediatelly ftom my credit report.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 my account balance was {$41.00} I withdrew the {$41.00} and bank of America put my account at- {$31.00} the next day. Bofa used a XXXX transaction that happened on XX/XX/2023 and dated the transaction XX/XX/2023 this date is the transaction date and posting date. At the time of purchase from XXXX funds from account where removed. When BofA changed the on the transaction from XX/XX/XXXX to XX/XX/XXXX they charged me again and caused my account to be overdrawn. I contacted bank of America and was told XXXX had just processed the transaction and that there was no double charge I ask why did the transaction say XX/XX/XXXX and the processing date say XX/XX/XXXX also. I also ask why at the time of the transactions which was XXXX they withdrew funds for the transaction and when they changed the date they withdrew again causing the over draft. I also stated to bank of America that I do not have overdraft services so how does my account continue to get overdrawn. Bofa refused to answer. I tried calling back to speak to a supervisor but BofA refuses to give services because I'm having issues with my text messaging and BofA says that's the only way they can verify my identity and to go in to a branch. Is the only way I can get customer service. There unrecognized charges made to my account and I can't dispute them unless I call them. I can't make it into the branch because of transportation issues. Everything stated can be proven. I filed multiple complaints with BofA about getting notifications of debit card charges when I'm not using my card and when checking my transaction history the notification of the transaction is no where to be found. BofA continues ignore these issues there has no follow up or anything I do believe BofA is taking money out of my account without authorization. BofA has also lied about available balances in XXXX I made a deposit to my account because my account was at a, XXXX balance. When checking my statement for that month BofA states my account balance at the time of that deposit was more than {$0.00} which was not true I told BofA I had the receipt proving the balance was XXXX at the time of the deposit BofA replied there must be something wrong with the atm.