davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: EQUIFAX, 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. 

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 has violated my rights. Or list of inquiries 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 2023-06-28
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: ACIMA CREDIT, LLC (CT)

XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX XXXXXXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It XXXX Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Acima XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX  XXXX XXXX XXXX XXXX XXXX __________ XXXX ______XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX and XXXX XXXX services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it. 

I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end. 

I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error. 

This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IN)

Barclays has tried twice to fraudulently open account in my name. Without my permission or knowledge, I believe the Barclays is intentionally trying to open accounts in peoples names without their knowledge to expand their business just like XXXX XXXX did. 

Secondly, XXXX XXXX sent me a letter dated XX/XX/2022 stating that they would delete or suppress information regarding a credit pull in my name, and they still have not taken the credit pull off of my credit report even after numerous phone calls to Barclays they still have not done anything to remove the credit pull from my report. They only have 30 days to remove the credit pull and its been over a year.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood Bank is holding my deposit by placing my account under review.

I just initiated a deposit from an external bank account after verifying the account. The funds were pulled from my external account and I was waiting for the deposit to become available in my Robinhood account.

That same morning, I was met in the Robinhood app with a message stating my account is under review and I cant make any transfers or investments. I spent almost an hour trying to upload the requested documents through the app and my computer multiple times but it wasnt recognized. I was finally able to upload it and get on the phone with a specialist, who informed me that all my documents were received, but an internal team has to review it, which could take a few business days up to 7-10 business days. 

I still have a pending deposit and the funds are missing from my external account and not showing in Robinhood. Ive never had this kind of issue after years of having this account, now conveniently my account is blocked after I decide to make a deposit from an external account and they hold my funds. 

This is ridiculous and a scam. It was very difficult to submit the verification information and now Im getting the runaround from support, havent received a callback from the supervisor requested by XXXX on the phone. 

Robinhood needs to unblock my account immediately since I sent all required information and make my deposit available ASAP.
Consumer complaint received 2023-06-28
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. (MD)

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. 

2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA.

3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.
Consumer complaint received 2019-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (HI)

Good evening, none of the choices actually matches my problem. I checked my credit report on Experian 's website on Thursday, XXXX XX/XX/XXXX and noticed that my score had decreased by 17 points and I have no idea as to why. On XXXX XX/XX/XXXX my score was XXXX and today it's XXXX. I haven't had any late payments or anything of that sort so I sent a message via chat and spoke to XXXX unsuccessfully. He couldn't see anything besides something that happened in XXXX so that shouldn't have any affects on it. If you look at my record, you will see that my record and debt to ratio etc. is great. I'm just trying to get an understanding as to what has taken place. Being in the military, I take my credit and finances quite serious because these things affects security clearances and ultimately your career. Thanks in advance for looking into this. My ID # is XXXX V/r, Mr. XXXX
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXX XXXX XXXX is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-28
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. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-28
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: Resurgent Capital Services L.P. (IL)

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXX FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2027
Consumer complaint received 2023-06-28
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: U.S. BANCORP (TX)

In accordance with the fair credit Reporting act, Elan Financial services and XXXX XXXX services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

In XXXX of 2018 I missed a payment with my Citibank Credit Card. 
I lost my job last year and I have a family and a mortgage. I truly forgot to pay my bill. I did call and asked for help didn't get any help from the associate or the manager. It was a small amount of money also but I did pay it as soon as I could and I never missed a payment since even though I am still going through financial hardship.
Consumer complaint received 2019-09-09
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. (CO)

Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : XXXX, XXXX XXXX Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, XXXX ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased XXXX in XX/XX/XXXX, XXXX XXXX. In XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from XXXX XXXX Document 2 Proof of Monthly payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement.

I provided these same documents to XXXX XXXX and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from XXXX XXXX, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that XXXX no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by XXXX XXXX. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, TransUnion ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (SC)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-28
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. (PA)

My name is 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 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, Bank of America has opened another checking account without my permission. I've spent countless hours on hold, driving to branches and getting tossed from one department to the next without any resolution. Due to inactivity on the fraudulent account Bank of America is trying to collect fees. Please advise, thanks.