davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (MA)

Discover bank continues sending solicitation and marketing material months after they made an unauthorized inquiry on my credit report and I requested through the XXXX XXXX XXXX  The Customer Financial Protection Bureau and directly to Discover that they no longer solicit me for any financial services
Consumer complaint received 2024-09-24
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. (MA)

I am writing to formally notify you that I have previously reported to Experian, XXXX and XXXX that I was a victim of identity theft, and I have provided a police report and an identity theft report under penalty and perjury along with a sworn affidavit. According to 15 U.S. Code 1692 and 15 U.S. Code 1681s2, as a credit furnisher, Experian, XXXX and XXXX are obligated to conduct a fair, thorough, and accurate investigation into any disputes regarding my credit information. Despite my efforts to provide sufficient evidence that my personal information was fraudulently used to obtain credit, Experian, XXXX and XXXX XXXX only acknowledges that my information was used but fails to verify that I, in fact, applied for credit with XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Given the seriousness of this matter, I demand that Experian, XXXX and XXXX immediately remove any and all items related to this identity theft from my credit report. 
I would also like to bring to your attention a concern regarding a breach of my personal information. My private data was compromised in the XXXX and XXXX data breaches, and I have recently discovered that your company is also disclosing my non-public information to an unaffiliated third party. This unauthorized sharing not only exacerbates the risk to my personal security but also constitutes a violation of XXXX XXXX XXXX XXXX, which mandates the protection of consumer information by financial institutions. I urge you to address this issue promptly and ensure that my data is handled in full compliance with the relevant privacy laws. Experian, XXXX and XXXX Does not have my permission to use my XXXX name. They are infringing on my XXXX name.
Consumer complaint received 2024-09-24
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. (TN)

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my XXXX XXXX and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Consumer complaint received 2024-09-24
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : LXXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

XXXX ) XX/XX/XXXX Comenity Bank acquired the XXXX credit cards from XXXX XXXX. 
Around that time i required to receive as a credit to my account : {$880.00} or rewards accumulated over time. I noticed that Comenity was not paying the rewards. I called in XX/XX/XXXX for the first time. They answered by saying they were putting this claim as a dispute. And dispute require 3 months to be answered. And they refused communications until 3 months passed. At the end of 3 months, i called again, and they said they were placing again the claim in another dispute. In short they use tactics to avoid the payment of rewards. Their customer service told me that i was not the only one. They decided not to pay the rewards when they purchased the accounts of XXXX. 
( letters document 1 ) On XX/XX/XXXX they credited my account with {$970.00}, but took back the money the next day. {$970.00} was the amount of rewards plus the cost of 18 % interests they charge. ( Document 2 )
Consumer complaint received 2019-06-05
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. (GA)

1.XXXX  XXXX , account # XXXX XX/XX/XXXX {$790.00} reporting charge off company will not comply with me on removing this item from my credit report after making attempts to satisfy. They are reporting to XXXX  and Equifax and this is keeping me from getting credit. 
2. Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize,. Reporting to XXXX   and Equifax. 
3.Inquiries XXXX XXXX XXXX XXXX, XX/XX/XXXX reporting to XXXX and Equifax and XXXX  I did not authorize. 
4. Inquiries : Showing on my XXXX  and Equifax XX/XX/XXXX XXXX XXXX XXXX and XXXX I did not authorize 5.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
6. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 7.Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX  and Equifax.and XXXX 8.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
9. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX 10. Inquiries : XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 11. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and XXXX 12. XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposited a XXXX dollar check on the XXXX of XXXX the check can from A XXXX dealer. They returned my direct deposit because they ended my contract for the vehicle I thought it was a great idea to deposit the check with my bank. Well by doing that they flagged my account and within 5 days closed my account heres where it gets good they process my check then closed my account leaving me with no access to my funds. Which I need for my rent for my child support for my credit cards that are past due. I work for a delivery service provider and with that money I was going to buy a vehicle now that they are holding my money XXXX my whole life is falling apart I dont make money if I dont drive which I dont have a car I will be homeless by the time this letter reaches you. The check wasnt a bad check they cashed it and closed my account but had my account on feeeze because of the check but cleared the check then closed my account and stated they well send me my funds 60 days after account is closed. So it wasnt a bad check but they figured well close his account and hold his funds sounds like fraudulent activity from the bank.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 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. 

XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$510.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I OPENED A BUISNESS ACCOUNT WITH TRUIST BECAUSE I WANTED A LOCAL BANK TO BUILD RELATIONSHIP WITH. THIS WAS ON XXXX  NIGHT XX/XX/XXXX XXXX. I HAD A CUSTOMER WRITE A CHECK FOR DEPOSIT ON XXXXXXXX XXXX  XXXX. I WENT TO DEPOSIT AT TRUIST AND WAS TOLD IT WOULD BE XXXX DAY HOLD AS IT WAS DRAWN ON XXXX BANK SO I SAID ILL GO CASH AT MY CREDIT UNION AND BRING CASH BACK. MY CREDIT UNION WOULDNT CASH AS TRUIST HAD PRINTED ALL OVER BACK OF CHECK. I THEN TOLD CUSTOMER THAT HE HAD TO PAY ANOTHER WAY. OF THE {$3500.00} HE COULD ONLY PAY {$2500.00} ON CARD IGUES THAT MY CREDIT CARD PROCESSOR MAY HAVE A LIMIT? HE THEN SUGGESTED XXXX FOR THE OTHER {$1000.00} I HAD TO SWITCH MY XXXX TO TRUIST FROM MY OLD BANK. EVERYTHING WENT THROUGH AND LOOKED GOOD SO THE NEXT MORNING I WENT TO OFFICE TO ORDER BUISNES CHECKS AND CUSTOMERS PAINT BUT I COULDNT LOG IN TO MY TRUIST ACCOUNT ONLINE. I WENT TO BRANCH TO SEE WHY I COULDNT LOG IN AT WHICH POINT TELLER SAID THAT MY ACCOUNT WAS PENDING CLOSED FOR FRAUD!!! I MET WITH MANAGER THAT SAID " IT WAS CONFIRMED FRAUD FROM XXXX AND XXXX ''! I SAID " THIS GUY IS A XXXX  LIVING IN XXXX XXXX HES NOT FRAUDULENT '' MY CUSTOMER GAVE ME THE TRANSACTION NUMBERS FROM XXXX  TO XXXX AND XXXX TO CHASE HE SAID CALL TRUIST AND GIVE THESE NUMBERS TO THEM AND THEY WILL OPEN YOUR ACCOUNT BACK UP AS THESE TRANSACTION NUMBERS CONFIRM THER IS NO FRAUD. SO I DID WHAT CUSTOMER SAID AND THEY COULD CARE LESS I DONT KNOW THAT SHE EVEN WROTE THEM DOWN. TRUIST TOOK MY MONEY HAS REFUSED TO RMOVE FRAUD STANDING FROM MY NAME PREVENTING ME FROM OPENING ANOTHER ACCOUNT THEY SAID THAT THEY WOULD ISSUE A CHWCK FOR MY DEPOSIT XXXX WEEKS AGO, THEN SAID ANOTHER. DAY. I GOT CLOSING STATEMENT BUT NO {$1000.00} MY CUSTOMER IS THREATENING TO TAKE THIS $ {$11000.00} JOB SINCE I HVENT DONE ANY PAINT IN XXXX WEEKS BECUSE TRUIST HIS PAINT MONEY AND MY INTERNET AT SHOP IS NOW OFF BECAUSE I STILL HAVENT RECIEVED THIS. IF IT WAS FRAUD WHY WOULD THEY TAKE IT? WHY SAY XXXX FRAUDULENT OR MY CUSTOMER WHEN THERE 100 % PROOVED THER WAS NO FRAUD. I WAS BROWSING XXXX AND NOTICED UNDER XXXX ADD THAT THER WAS A FEW OTHER SIMILAR THINGS WERE DONE AS WELL. THE ONLY FRAUD IS SEE IS THEM HOLDING PEOPLKES MONEY THAT JUST MADE A DEPOSIT IN THEIR ACCOUNT BYCERTIFIED CHECK, XXXX ETC " GUARANTEED FUNDS '' BUT THE DAY AFTER DEPOSIT ACCOUNT IS CLOSED FOR FRAUD BUT TRUIST KEEPS THE MONEY? XXXX A SCAM IF IVE EVER SEEN ONE.
Consumer complaint received 2024-09-24
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 dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

PLEASE REMOVE ALL ACCOUNTS, MY INFORMATION WAS EXPOSED DURING A DATA BREACH, THE FOLLOWING ACCOUNTS ARE FRAUDULENT. 
THE FOLLOWING INQUIRES ARE UNAUTHORIZED. SEE ATTACHMENTS. 

I'm a victim of Identity theft and noticed fraudulent Information on my credit report. I will like for this Information to be blocked and removed immediately. I never gave you consent to report anything to my credit report. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Consumer complaint received 2023-06-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX FED XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX NA INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX CAPITAL XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX XXXX date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.