davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

On XX/XX/23 I received a copy of my consumer report from Experian indicating that I had a new collection appear on my report. XXXX XXXX XXXX XXXX this account dropped my XXXX XXXX and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 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.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. Please remove.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (MS)

My name is 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.
Consumer complaint received 2024-11-02
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: EQUIFAX, INC. (ME)

All of my Hard Inquiries on my XXXX report. All these hard inquiries need to be removed immediately because its identity theft. I did not give any one or these institutions permission to check my credit report XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  Inquiry : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

On XX/XX/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.
Consumer complaint received 2023-09-21
Product: Credit reporting 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)

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 2023-09-21
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. (AZ)

This is my 17th 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Dear CFPB, I am writing to formally file a complaint regarding Experian 's reporting of unnecessary and inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), the Michigan Consumer Protection Act ( MCPA ), and the Michigan Credit Reporting Act ( MCRA ). I request the CFPBs intervention to address the issues detailed below and ensure compliance with relevant consumer protection laws.

Disputed Information : The following entries on my credit report are contested due to inaccuracies and unauthorized reporting : Account XXXX : XXXX XXXX XXXX  Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX XXXX / Date : {$620.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX Balance / Date : {$240.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$250.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX, XXXX Account XXXX Balance / Date : {$120.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$520.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : {$720.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists. 
Account XXXX : XXXX XXXX XXXX Balance / Date : {$750.00}, XX/XX/XXXX Reason for Dispute : Opted out of creditor reporting, but inaccurate information persists.

False Reporting of Information : Experian has reported incorrect information associated with my Social Security number ( XXXX ) : Inaccurate Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX Legal Name : XXXX XXXX XXXX XXXX Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Legal Basis for Dispute : FCRA Compliance : Reporting inaccurate names and addresses violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ) ( 5 ).

USC Exclusions : Under 15 U.S.C. 1681a ( d ) ( 2 ), certain types of information are excluded from the definition of a " consumer report. ''
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BERKSHIRE HILLS BANCORP, INC (NY)

The bank was transitioning to a new system. A few days prior, I made a purchase for a vinyl record from the XXXX. The transaction went through but then my account was flagged and put on hold for fraud protection. I was not notified or contacted. I was not able to use my funds or get access to the website, or contact a representative until the transition was complete. During that time, transactions were declined and important plans fell through because I had no access to my money.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by XXXX  and zelle. {$2000.00} zelle and {$730.00} XXXX I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

On Thursday afternoon XX/XX/2023 around XXXX my husband received a phone call from a teller at a regions bank in XXXX Tennessee asking him if we wrote a check for {$4700.00} to a XXXX for jewelry bc she had a suspicious feeling about the person trying to cash this check and he said no and she advised him to contact our local regions where we live in XXXX XXXX At that time when we went to call it was too late a check was already pending in our account for {$4800.00}. I was able to find out this specific check was cashed in XXXX Tennessee at the XXXX XXXX XXXX. The check number used was check # XXXX which I still have in my checkbook ( the last check I wrote was check # XXXX to a company ) and it appears this is not a washed check but an actual fake check, on this check the font is different, and wording and safety thing next to the amount and things missing just a fake check altogether with my account info and name. I noticed a transfer from my savings to my checkings account in the amount of {$3000.00} was made immediately before the teller cashed the check. I filed a police report with a detective at the XXXX ga police department Friday XXXX XXXXXX/XX/2023 and then went to directly to regions bank in XXXX XXXX and filed a fraud claim for the check. I have not been refunded my fraudulent stolen money and am very upset that when presented everything I have to wait 30+ days to receive my funds back without a provisional credit given to my account because the amount is too large well how do you think I feel when my bank was drained and I have kids and a mortgage and bills to pay. I have contacted regions customer service who was the one who gave me all the information on where the check was cashed, presented me with that specific tellers ID # and how the transfer occurred the transfer was not an internal transfer thru electronic banking but occurred in the form of an ACH deposit which they said took place in the branch or over the phone, and they said over the phone they can not transfer more than {$1000.00} which left only one other option the teller who cashed the fraudulent check at the XXXX XXXX transferred the funds from my savings to my checkings in order to cash this check. Is she did not do that transfer the check would not have been able to be cashed and I would still have my money. This is now an fdic issue and Im just very disappointed in the lack of urgency to resolve this claim and return my money to me and my next step is hiring an attorney if I do not receive my money back by the weekend.