davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I HAVE REACHED OUT TO EXPERIAN SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT THAT HAS CAUSED ALOT OF STRESS ON MEAND MISSED OPPORTUNIES .THE LATE/MISSED PAYMENT REFLECTING FROM MY TWO CREDIT CARDS XXXX, XXXX XXXX AND XXXX XXXX ALL FROM XXXXXXXX XXXX XXXX XXXX.THIS A DEFLAMATION TO MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # 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 states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Consumer complaint received 2022-11-10
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : 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.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/23 I realized that I no longer had access to my funds. I called Chase Bank on the morning of XX/XX/23 and they notified me that they had closed the account due to a check that I had written for rent earlier this week. This is the second time in the past month I have had my account closed for false fraud flags. I then went into my local branch and spoke with the Branch Manager who explained that this account was flagged due to an unresolved report from a previous time I had applied for a XXXX account. This was especially frustrating since I had spoken to a XXXX branch employee that had told me I had no outstanding issues and I was fine to open a checking account. My money is being held XXXX and I am unable to pay off my cards, pay rent, or for other necessities at this moment.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number : XXXX, Case Number : XXXX ( See attached Supporting Document # 1 ), I discovered three inquiries from XXXX XXXX  XXXX that I did NOT initiate or authorize. This unauthorized access to my LexisNexis Consumer Disclosure Report is very concerning. As noted in the Consumer Statements, Freeze, Alert Activity section of my LexisNexis Consumer Disclosure Report dated XX/XX/2023, I have an ACTIVE Security Freeze and an ACTIVE Security Fraud Alert on my file, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. Additionally, on XX/XX/2023, my Opt-Out and Information Suppression requests were APPROVED, therefore, LexisNexis should never have released my information to any entity without my authorization or consent. The release of my LexisNexis Consumer Disclosure Report without my authorization or consent is a very serious violation of the federal Fair Credit Reporting Act ( FCRA ). This action constitutes a violation of the Fair Credit Reporting Act 604, is illegal, is injurious to my credit rating, and is an invasion of my privacy per 15 U.S.C. 1681 602 ( a ) ( 4 ).
Consumer complaint received 2023-10-14
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. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (OH)

Actions taken by Comenity Bank : - repeated phone calls every day after being told not to be contacted any further because of possible scam since XX/XX/2023- XXXX XXXX ( XXXX ext. XXXX ) - XX/XX/2023 contacted third parties ( father and mother ) discussing related debt owed and made threats about getting a lawyer and taking legal action. Based on what my father said, he was not being professional. 

- XXXX XXXX - XX/XX/2023 when on the phone with me ( the person who actually owes the debt ) threatened to send to collections. He also threatened that the court will file a subpoena against me and that I need to get a lawyer. He said that in the state of Ohio I could go to jail for this because I am committing " fraud ''. Over an {$83.00} original balance due. While also on the phone with him, he said " I need to take accountability '', which I would do if they ever decided to mail me the physical XXXX Credit Card and explain what I supposedly bought. If I have never received the physical card in the mail to activate it, how can I be sure that this isn't a scam. I have received no bills to the address on file. 

- XX/XX/2023- Comenity Bank called me, I answered. I stated to this person ( I don't remember who ) that I never received a physical card copy in the mail and that I have received no bills relating to the debt I apparently owe. At this time, I was sure that it was a scam. It was not a professional call at all.
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2023 : I couldn't see my savings account on my Wells Fargo app so I drove to the closest branch to access their ATM- I put in my card and again I was not able to see my Savings account. I went inside to speak with a teller and he said he could not see my account either. His manager then tried helping and again she could not find it. I had a horrible XXXX XXXX. There was no explanation and a lack of sympathy and apology. I was then expected to walk away with a confirmation number that the matter had been " escalated '' and nothing else. My entire life savings VANISHED with NO explanation. I proceeded to leave and had another XXXX XXXX as I was distraught and bewildered by my reality. 

A few people approached me in my panic to try and help and advised me I go to the police station. I arrived at the station and called Wells Fargo customer service hoping their response would be different. It was not different and in fact worse as the representative miscontruded my words claiming I said " Wells Fargo is Hiding my money '' which I DID NOT SAY. Again, the lack of sympathy and urgency for my matter sent me into another horribl eXXXX XXXX that occured in my car while on the phone with the representative. I screamed so intensely I burst my XXXX XXXX in both my eyes causing me extreme discomfort and stress to this day as theyve become itchy and swell up and the stress of this situation flared my XXXX. 

I then went inside the police station where I was met with disregard. They said there was nothing they can do. Again, I left in panic and disbelief and thankfully a couple there saw my distress and approached me to see if there was anything they could do to help. 

The next day I called for an update and the representative said there was no update because the case had only just been assigned to an investigator. This led me into an XXXX XXXX that takes away my ability to feel and think properly. Later I received and email saying they would contact me within XXXX  days which they did not do. 

I have been as patient as possible and yet there is no resolution. The fact that this criminal organization continues to operate is unfathomable. My livelihood and my future are at stake. I cant sleep at night, I wake up with an accelerated XXXX XXXX  and my cripling XXXX XXXX and XXXXXXXX XXXX are all back. The tension throughout my body is painful, my hands have a persistent tremor because of the worry they have caused me and I'm now forced to take medication in an effort to try and keep my sanity.
Consumer complaint received 2024-08-20
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 account with Experian 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.

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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (CA)

I started a fraud dispute with the credit bureaus. Equifax is the only creditor that did not removing the fraudulent account from XXXX  XXXX XXXX.I 've contacted XXXX XXXXXXXX XXXX they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. XXXX XXXX XXXXXXXX requested my id from a third party which was Equifax. Equifax sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what Equifax has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX only. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how XXXX XXXX XXXX has handled my situation, they were questing my XXXX  and making me uncomfortable with questions that could have been avoid if only the bank let me know what Equifax has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Name is XXXX XXXX XXXX my Company is XXXX XXXX XXXX the Bank Im making a complaint against is Bank of America. I have been a Member since XXXX  and recently started getting charges and no action or help in return remedy to take off the charge and stop these companies from having access to my bank account. Regardless of the proof I continually sent BofA they let XXXX XXXX XXXX, XXXX XXXX, and numerous others take over XXXX dollars out of my account and all the money I have deposited and no matter how many times I made them aware of these transactions and how fraudulent they were they still kept them processing my money and wouldnt let me have any Protection from illegal transactions. This is why no one Trusts any Banks or institutions anymore! They let the fraudulent transactions happen and then make the consumer pay for it and then treat us like a thief instead of a victim. Im done with this nonsense and I demand my Checking Account be reinstated immediately and reimbursed for over XXXX dollars of the fraudulent charges I have filed against but found no remedy only discrimination. Please CFPB I need your assistance in this matter. Thank you
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX  there was a purchase of the XXXX sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello CFPB, I am filing this complaint on the three credit bureaus. 

I am informed XXXX, Transunion and XXXX XXXX XXXX XXXX was result of Identify theft.. 

Each credit Bureau informed me they sent my dispute to XXXX XXXX XXXX and it can take up to 30 days to be investigated. 
: My complaint is regarding the following statue : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 15 U.S. Code 1681c2 says the following : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I want to remind all CRA of statue 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2023-10-13
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. (FL)

The credit bureaus stated my account was properly investigated in prior disputes. However this is not tru because the open date is inaccurate, the date of last active is inaccurate and date of last reporting is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 A States I have the right to privacy 15 U.S.C 1682 Section 604 A Section 2 : It also states A consumer reporting agency can not furnishs a account without my written instructions. 
Also this credit bureau took more than 30 days to complete my investigation and respond to the previous CFPB complaints. 

I have sent several documents that prove my identity, experian is stalling the investigation and refuses to validate and verify the disputed information. This is my final attempt for you to remove the inaccurate items before i contact a consumer law attorney and press charges and sue for punitive damages in federal court of at least {$1000.00} for every violation for inaccurate reporting. I have all certified mail receipts and will sue to the fullest extent if these items are not removed immediately. SEE ATTACHTMENT AS MY FINAL ATTEMPT BEFORE INITIATING A LAWSUIT FOR DAMAGES
Consumer complaint received 2023-10-13
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. (NC)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.