davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting 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)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number : XXXX RESIDENT VERIFY XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-04-07
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. (OH)

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 XXXXXXXX XXXX  : # XXXX, Dept of Ed/XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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 an 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 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America for my disputed transaction I have two disputes and 2 refunds that is not in my account. Last year i filed a complaints beause they took {$1300.00} twice from my account I never got my money they make it seem that they credit it but they took the money on my account twice I let that go, They also charge me so may fees. 
But I went on XXXX had a XXXX  XXXX so now I have only XXXX not much every month, B of A also did let me withdraw on the pandemic time I got an ATM from XXXX for the bank won't let me withdraw. XXXX to XXXX I Supposed to get {$3800.00} that I didn't get from XXXX, and they won't give that back to me.XXXX wont give it to me now. 
I'm with bank of America XXXX plus years. 

I just want a temporary credit for {$61.00} or. XXXX I called the dispute dept on Arkansas they are so prejudice to me the first representative I talked is so fresh like he knows everything he said I have to wait 90 days for investigation I told XXXX ( think that is name ) that I need to talk to their supervisor because I felt so bad the way he talk to me and already deciding for the supervisor I just ask for temporary credit they can take the money they can take it back that's my money that i entrust them to. they can take it back from my account when if they find out if i don't deserve that money. I told them the person I paid have a deceiving website they are from XXXX, and they won't let the get a temp credit, I told them I'm going to XXXX after XXXX they make beg for my own money and treat me like criminal, I didn't get my order, so I dispute it. XXXX and XXXX I told them I already file a complaint at XXXX and XXXX. He put me on hold them a woman supervisor talked to me I got so upset they are not even sympathetic they sound degrading. Prejudice they make me feel like I'm a criminal. I got upset I explained to them that I need that money everybody is having a hard time now. the vendors sit on my money. I have XXXX on my savings at that time, they just don't want to help out, I end up just giving up and said that I wish they get a karma for being so bad to me. 
the next day I took my savings, but I have auto pay account it will be very difficult to change account. i have XXXX. 
I was trying to use my ATM card it declined my transaction. I called B of A their customer service the following day he told me that my account is closed. 
I ask why didn't let me know? they didn't even let me know its two days before XXXX I almost had a XXXX. XXXX then i ask why did that to me, how much is my balance is? he said that they can't give me any information about my own account that they close. I'm very frustrated with this bank they think they can just do whatever they want on my account? why they treat me like like this?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLIANT CREDIT UNION (NJ)

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alliant XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
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: WELLS FARGO & COMPANY (CT)

On XX/XX/23 I checked my XXXX report and I noticed that Wells Fargo had submitted an inquiry that I had no knowledge of. I contacted Wells Fargo credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact XXXX. I then contacted XXXX and they informed me that I would have to file a report before they can remove it from my report.
Consumer complaint received 2023-03-26
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. (TX)

on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have no knowledge of this account. By law collection agency have to send out letters within 5 days of buying the debt. I never recevice any mail of this.They cant put this on my credit report if no letter. If they did mailed letters out I like to see proof of the mailing and the date of the mailing.
Consumer complaint received 2023-04-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-04-07
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. (CT)

On XX/XX/23 I checked my equifax report and I noticed that XXXX XXXX had submitted an inquiry that I had no knowledge of. I contacted XXXX XXXX credit card services and their banking service and they couldnt find my name or social security number in their system. I kindly ask them to remove it but they informed because they couldnt find it they said they couldnt do it and I would have to contact Equifax. I then contacted Equifax and they informed me that I would have to file a report before they can remove it from my report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

I am filing this complaint regarding inaccurate information being reported by Discover Bank to the credit reporting agencies in relation to my account ( Account XXXX : XXXX ). Specifically, Discover Bank has inaccurately reported late payments during a period when my account was under an accommodation due to the XXXX pandemic, as provided under the CARES Act.

Details of Complaint : Inaccurate Late Payment Reporting : My account was current before I entered into an accommodation under the CARES Act, which was put in place due to financial hardship during the XXXX pandemic. Under the CARES Act, any accounts that were current before the accommodation should continue to be reported as current during the accommodation period. 
Despite this, Discover Bank reported late payments during the accommodation period, which inaccurately reflects my payment history. I request that these inaccuracies be corrected. 
Violation of the CARES Act : The CARES Act requires that accounts in accommodation remain reported as current if they were current prior to the accommodation. This was not adhered to, as the late payments were incorrectly reported during that period. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), Discover Bank is required to provide accurate information to the credit reporting agencies. This requirement has not been met, and I am invoking my rights under this law to request an investigation into these discrepancies and the necessary corrections be made
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

This is a a case where I was scammed by individuals who used my banks phone number to contact me and had access to my Citibank account. The scammers called me on XX/XX/XXXX and informed me my card was being used to perform transactions at The Office Depot. I logged onto my Citibank mobile app and saw the charge posted to my checking account. They then went through a series of my past transaction and informed me someone was trying to XXXX money to an account I was not familiar with and I received a XXXX notification of this charge. In order to protect my account I was told to XXXX their case managers and this would cancel the fraudulent transactions being made on my account. To protect my account I did the XXXX transactions to who I believe were Citibank fraud case workers for 2 amounts of {$4800.00}, {$2600.00} and {$2300.00}. After the XXXX transactions the scammers ordered me a new citi priority card and told me to call them when I received it. 

Im about 2 weeks I received the card and went into the Citibank branch at XXXX XXXX New York where I activated my new card and inquired about the money I had sent. This is when I realized I had been scammed. 

I opened up dispute cases with Citibank for the charges and have been working with the Citibank fraud department who has so far approved the transactions of {$2600.00} and {$2300.00} but will not approve the 2 remaining transactions of {$4800.00}, under case numbers XXXX and XXXX. I have called repeatedly spanning over 1 and a half months to inquire about the case status ; and have sent documents to help with their decision making to award me the funds back to my account as the other 2 charges. The 2 above transactions are identical to the 2 which were already approved so I dont understand why they will not reward the remaining balances.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There fails information on my credit report that i have asked trans union to remove numerous time 's and sent numerous letter 's to them even called them an nothing has been done, and not to long ago my credit was locked on 4 different occasions, that i did not do. my identity was stolen twice last year and do you think trans union did anything about it? XXXX NO. THATS WHY IM GLAD THEY GOT SUED FOR DOING THIS TO US, I'VE LOST OUT ON XXXX XXXX XXXX CAUSE OF THERE XXXX AN XXXX WAY OR ANOTHER I WILL GET MY MONEY BACK YOU CAN BET YOUR XXXX ON THAT.
Consumer complaint received 2023-11-23
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. (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving inaccuracies on my credit report. Despite previous escalations and requests for updates, the reported inaccurate late payments still persist on my credit report. I am reaching out to demand that your bureau fulfill its responsibility and promptly rectify these errors. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The inaccurate late payments are adversely affecting my credit score and overall creditworthiness, hindering my ability to secure credit on fair terms. It is your bureau 's responsibility to ensure the accuracy and fairness of consumer credit reporting, and the prolonged presence of these errors is both unacceptable and damaging to my financial standing.
Consumer complaint received 2023-03-26
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMO Bank, N.A. (IL)

1.Please see pay off amount attach to Harris bank XXXX as per bank letter payoff amount {$41000.00} 2. See attach XXXX XXXX XXXX 3. Harris Bank letter to XXXX no delinquent payments what about other XXXX credit reporting agency XXXX admitted to me some one keep changing auto loan information and she also told me car in XXXX I did not work with her my wife did.
Consumer complaint received 2024-08-18
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened XXXX XXXX  Balance : {$7000.00}
Consumer complaint received 2023-11-23
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. (NY)

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.