davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In an era where transparency and accountability are crucial, it is essential for financial institutions to provide adequate documentation when charging their customers. XXXXXXXX XXXX XXXX refusal to provide documentation to substantiate a charge raises serious concerns about their practices and highlights the need for increased scrutiny. This argument presents reasons why charges should be added and highlights the significance of XXXXXXXX XXXX XXXX unwillingness to provide any requested documentation. 
One of the fundamental principles in consumer protection is ensuring that consumers are treated fairly and have access to all relevant information regarding charges made to their accounts. By refusing to provide substantiating documentation, XXXXXXXX XXXX denies its customers the opportunity to review and validate the legitimacy of the charges. This lack of transparency undermines consumer trust and raises suspicions about the legitimacy of charges. 
Without adequate documentation, customers are left in a state of uncertainty regarding the legitimacy of the charges imposed by XXXXXXXX XXXX. Providing substantiating documentation is not only a responsible business practice but also a legal obligation in many jurisdictions. Customers have the right to verify that the charges align with their contractual agreements, and by refusing to provide such documentation, XXXXXXXX XXXX fails to fulfill its obligations and exposes itself to accusations of wrongful billing. 
In cases where customers question the accuracy or legitimacy of charges, the ability to examine supporting documentation is critical. By refusing to provide such evidence, XXXXXXXX XXXX makes it nearly impossible for customers to effectively dispute charges and seek resolution. This lack of cooperation can result in prolonged disputes, damaged credit scores, and an erosion of trust between the bank and its customers. Financial institutions are subject to various regulations and guidelines aimed at protecting consumers ' rights and ensuring fair business practices. These regulations often require banks to maintain records and provide documentation upon request. XXXXXXXX XXXX XXXX refusal to provide substantiating documentation may indicate a potential violation of these regulations, thereby undermining their credibility and potentially leading to legal consequences. 
Transparency is a cornerstone of ethical business practices. By refusing to provide documentation, XXXXXXXX XXXX raises doubts about its commitment to transparency and accountability. A responsible and ethical institution should willingly provide customers with the information they need to understand and validate the charges imposed on their account. By arbitrarily adding charges with no way of knowing where they originated is criminal.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (GA)

REFERENCE : REVCO SOLUTIONS # XXXX XXXX XXXX ) I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL TODAY XX/XX/2023. I HAVE NEVER HEARD OF THIS COMPANY MEANING - REVCO SOLLTIONS OR XXXX. I DO NOT OWE YOU OR XXXX THIS MONEY PLEASE CORRECT YOUR BOOKS AND REMOVE MY INFORMATION FROM YOUR FILES ASAP. WHEN I CALLED XXXX I WAS SPOKEN TO WITH BY A RECORED NON-PERSON AND WAS ON HOLD AND THEN A RECORDING CAME ON WITH A MAN VOICE THAT STATED THIS CALL IS IN ERROE AND WE WERE DISCONNECTED. I HAVE ALREADY SCANNED AND THIS NOTICE TO MY ATTORNEY. 

THANK YOU XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (VA)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. 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
Consumer complaint received 2023-06-20
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. (NV)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX account number # XXXX has violated My rights 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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. 


Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX 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 2023-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

Dear Ombudsman : XXXX XXXX XXXX, through US Bank, did not let me know that they were charging me non-compliance fees in XXXX of XXXX by hiding them on an online Statement in stead of itemizing them on my checking statement like they used to when I signed up with them in XXXX. When did they start this unfair practice? Also on their emails it states " ... and you are now at risk of losing your PCI program fee discount. '' It did not state that I HAD LOST my DISCOUNT. This is a poor business practice. Then they refused to credit me back my 5 months of $ XXXX month fees when it is because of their lack of communication that I did not fill out my compliance. A couple of Months later, in XX/XX/XXXX and {$240.00} in fees later, when I confronted them about refunding me the hidden fees they told me no. This is outrageous when I have always been in compliance. I guess Elavon and US Bank are too big to care about small business. My husband and I thought they were different than the other corporate banks that we were with previously. 

If there is any thing you can do to get my {$240.00} in fees back and hopefully prevent this from happening to other businesses, it would be greatly appreciated. Thanks.
Consumer complaint received 2023-06-20
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. (CA)

XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington , DC 20552 Subject : Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. 
I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. 
Here are the details of the disputed item : Account name : XXXX/XXXX  XXXX XXXX XXXX  Account # XXXX XXXX Acct # XXXX 
XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Acct # XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. 
I kindly request the CFPB to investigate this matter and ensure that Bureau is complying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. 
Please find attached copies of my correspondence with Credit Bureaus for your reference. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (TX)

On XX/XX/XXXX, I saw a loan account on my credit report with a balance of {$250.00} from XXXX XXXX. Also, on XX/XX/XXXX, I saw a loan account with a balance of {$300.00} from XXXX XXXX on my credit report. I did not open these accounts with XXXX XXXX They belong to someone else
Consumer complaint received 2023-06-20
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)

On XX/XX/XXXX, I saw a loan account on my credit report with a balance of {$250.00} from XXXX XXXX. Also, on XX/XX/XXXX, I saw a loan account with a balance of {$300.00} from XXXX XXXX on my credit report. I did not open these accounts with XXXX XXXX. They belong to someone else
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN ... .XXXX ... AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX  LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and removed!!!!
Consumer complaint received 2023-08-09
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. (RI)

Good Afternoon I called Equifax to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? Equifax, XXXX and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, Equifax and XXXX.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (NY)

My account is frozen with Affirm. Today i received emails stating my account isn't frozen and they lifted the freeze. then I received another email that it's frozen again. I asked the rep if there is a balance on the account, he claims he cant give me any information. claims he is escalating it to a higher authority. 

This escalation has been going on for the last 2 months. 
I believe they have fraudulent activity on my account. 
{$10000.00} of fraudulent and unauthorized activity. Plus they have charged me 3 payments of {$86.00} to the XXXX XXXX cruise line. 

I called XXXXXXXX  they have no such record of this. 

I do not owe them anything..
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My XXXX XXXX credit card due date is the XXXX of each month and closes on the XXXX ... .and XXXX  of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... XXXXEXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY ACCOUNT!!
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.