davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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 2024-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I sent a XXXX dollars to pay for a property, the shipment said it would be made within 24 hours at the latest, more than 60 hours have passed and I made a call to request information because the charge was made to my card but the recipient did not receive the money, in the app it appears processing the shipment but the operator has told me that the transaction appears as received and in its application it appears that it has not been sent, the problem is that the payment for the property has a specific date and They said they could resolve it in up to 90 days.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

On XX/XX/year> I received an email from the company Affirm stating a loan was approved for {$530.00} for a purchase from XXXX. I emailed them right away disputing the unauthorized charge. I did not place that order. I have emailed them and called them numerous times disputing this transaction. They have been no help. I receive emails from them stating after their investigation that I am responsible, I disagree with their findings because I did not place that order and open any loan. On XX/XX/year> I called XXXX to inquire about the order because I do have the order number, I figured maybe someone on their end could help me. XXXX order # XXXX is what I'm disputing with Affirm. I was able to find out that another email and phone number was used with my name and information. XXXX did send me an email and I forwarded it to Affirm but they still say I'm responsible for this fraudulent charge. As I stated before, Affirm has not been much help and I have been a victim of fraud. This has impacted my credit score tremendously. I have been trying to address this since XX/XX/year>. It is being reported on my credit file and it is not mine.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (OR)

Jefferson capitol systems hit my credit report with a fraudulent debt of over {$4000.00}, which they could provide no proof that it belonged to me whatsoever. And they didnt respond to me debt validation letter.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Received the following email on XX/XX/XXXX from Chase Bank : Important : We decided to close your account ( s ) Financial institutions have an obligation to know our customers and monitor account activity. After careful review, we made a decision to close your account ( s ). We sent you the information in a letter through U.S. Mail. It should arrive within the next few days. 
If you need to talk to someone after receiving the letter, please call us at XXXX ; we accept operator relay calls. 
We need the fastest way to contact you. 
Sign in and make sure your personal profile includes your mobile phone number. 

On XX/XX/XXXX, I went to Chase Bank local branch office and was told that my account will be closed on XX/XX/XXXX and that no further information could be given. I told the branch manager at XXXX XXXX and XXXX XXXX, XXXX, XXXX, that the checking account was in good standing, that there were no overdrafts, bad checks or other problems, that the account was used as primarily as my personal checking account as a XXXX  citizen age XXXX to deposit my social security check and to pay my apartment rent and life insurance premium. 

I then called Chase customer service and spoke with XXXX  ( First name only ) from the Compliance Team at Chase and was told that they can not give a reason for closing the account but that they have the right to under the Banking Agreement. I was further told hat the closure process would start on XX/XX/XXXX and there would be a hold on my funds and that the process would be completed within 10 business days thereafter and I would receive a bank check for the remaining funds in the account. I explained that I needed more time to get a new checking account and to notify social security administration and my life insurance company which debits my account for the life insurance premium and I requested a proper 60 days notice. My request for extension was arbitrarily denied.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (DE)

My information was exposed in a data breach. According to 15 USC 1692c my rights have been violated by unlawful communications. Please remove the following from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Yesterday ( XX/XX/XXXX ) I used mobile deposit to deposit a check in the amount of {$15000.00} from my husband 's TD checking account to my Bank of America checking account. This morning I received an email saying that they had placed a hold on the deposit " because we have information indicating that the check ( s ) may be returned. '' They are holding the funds until XX/XX/XXXX! 
XXXX XXXX XXXX account shows that the funds have left the account. I called and spoke to a Customer Service representative, and then her manager. I was never given a satisfactory explanation as to where the money is. My husband is XXXX and I am XXXX. We need those funds for bills that are going to be assessed to my account. I can't believe this could be legal!!
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

I received a credit card in the mail from MattressFirm/Syncrony XXXX  with a letter telling me to activate the card. I never applied for the card and don't want it. I called the customer service number and told the representative that I never applied for the card and that I wanted the account closed. If an application was made, it must have either been done fraudulently or illegally by Synchrony.
Consumer complaint received 2024-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (DE)

In XX/XX/XXXX I received a {$2400.00} bill out of the blue from a collection agency named " Phoenix Financial '' for " medical services '' which I supposedly received in XXXX. This claim is completely new to me. I know nothing of these services, I requested proof and documentation from them, and they have ignored these requests for information. It has damaged otherwise great credit rating. 

I sent the following message to them via their online dispute form on XX/XX/XXXX : Account XXXX. I dispute this debt today, XX/XX/XXXX, XXXX EST. Please send me copies of what you believe is the bill or bills for this matter and the names, description and details of the services therein. My dispute of this debt is entered within the window of time provided to me by you via US Mail indicating that can call or write to you by XX/XX/XXXX, and that is what l am doing here. Please rescind all adverse credit bureau notifications submitted two days ago and provide me with confirmation of this. 
XXXX XXXX XX/XX/XXXX Ive received nothing from them in the US mail, phone, or email regarding this matter.
Consumer complaint received 2024-09-28
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. (DE)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX- Account XXXX Account Name : XXXX XXXX- Account XXXX Account Name : XXXX  XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-28
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)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-09-28
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. (PA)

My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELY. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-28
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. (PA)

Experian is allowing inquiries on my credit report that were not authorized by me for the companies to run any inquiries. When I asked Experian to remove items they refused and instead closed out the complaint while sending a run around letter telling me to send them bother certificates and social security cards so they know I am the one asking for the removal. The request by them is simply to make it hard and impossible to have the items removed despite the fraudulent inquiry I am the victim yet some how they make me the problem.
Consumer complaint received 2024-09-28
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 XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> 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 I 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 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX {$1100.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-28
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items 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 2024-07-30
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)

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 u.s.c. 1681.. 
Account Name ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXank ) .. 15 u.s.c 1681 section 602A. 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-07-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.