davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX  XXXX Account XXXX Opened XX/XX/XXXX High Balance {$280.00} 2. XXXX XXXX XXXX  XXXX Account XXXX Opened XX/XX/XXXX Balance {$17000.00} 3. XXXX Account:XXXX Opened XX/XX/XXXX High Balance {$900.00} 4. XXXX, XXXX Account XXXX Opened XX/XX/XXXX Balance {$1400.00} 5. XXXX Account:XXXX Opened XX/XX/XXXX Balance {$9200.00} 6. XXXX Account Number : XXXX Balance : {$0.00} Opened : XX/XX/XXXX 7. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 8. XXXX XXXX Account XXXX Balance : {$350.00} Opened : XX/XX/XXXX 9. XXXX XXXX Account : XXXX Balance : {$1200.00} OpenedXXXX 10. XXXX Account : XXXX Balance : {$730.00} Opened : XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 these 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. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 a
ccount ( 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
Consumer complaint received 2024-09-23
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)

My credit Report is showing an account of consumer XXXX XXXX XXXX XXXX and they call and Harass Me daily about an account that was included in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of XXXX XXXX XXXX of a purpose of Consumer Reporting under which section XXXX never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

* Inaccuracy of the Debt : I dispute the validity of this debt, as the amount being reported does not accurately reflect my records. 
* Failure to Verify the Debt : Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt. I have not received proper verification of the debt as required by law.

* Violation of Credit Reporting Laws : Under the FCRA, 15 U.S.C. 1681s-2, you are responsible for ensuring that all information furnished to credit reporting agencies is accurate and complete. The continued reporting of this debt without proper verification or validation violates these requirements.
Consumer complaint received 2024-09-23
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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: Exeter Finance, LLC. (FL)

Exeter Finance made an error in their online portal payment amount for my account. The amount they placed in their online payment portal was lower than the amount in the contract. 
There was an error in the calculations on balance. They credited the account the amount they miscalculated. 
These errors were found and addressed after my loan had matured. They took from XX/XX/year>2024 to XX/XX/year>2024 to credit the error. They would take take any monthly pay from me at at that time but continued to report payments as late. This led to a huge reduction, XXXX points, on my credit score. 
They should have frozen on reporting until they credited my account. Then asked for payment. 
I need the 90 Days late report forgiven and acknowledged to the credit report bureaus. I need my scores back up immediately.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I looked at my report and it's not accurate. BANK OF AMERICA account with a balance of approximately {$460.00}, and account number XXXX. I do not recognize this account and do not owe any money to it.
Consumer complaint received 2024-09-22
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. (MI)

My XXXX  Trafficking request was not honored as required by law. They claimed they did not receive required documentation. This is not true. They also claimed they gad made XXXX attempts to contact me. This is also not true. I have provided the companies with XXXX different proofs of XXXX  Trafficking victim status, all signed y different governmental entities who have the authorization to sign my documents. I was denied all three times. I was also not contacted within the XXXX business days required by law.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX XXXX  Rule 1002.142 ( b ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 
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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following inquiries are unauthorized. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX 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 Please remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I have a Barclays JetBlue MasterCard the number is XXXX and the last four digits are XXXX. I do not want to provide my credit card number blindly. 

The interest rate is too high on this card at approximately 30 % which I believe is a usury rate. I have asked repeatedly for them to lower the rate, yet they refuse. I pay this card every month. I have now done 2 balance transfers to two separate cards of 0 % promotional just to take the weight off of this card because they are charging me a minimum of {$410.00} in interest per month. I never use this card, yet the balance keeps increasing due to the extremely high interest rate on this c, ard. I should have paid this card down by half so far, yet because of the high interest payments, I have not made much of a dent in the principal at all. I now suspect fraudulent activity on this card that could very well be brought on by Barclays Bank rather than having somebody else using it. 

I would like the interest rate to be below 10 % and I need your assistance in doing this, that way I can pay off the balance and close the account. 

I originally signed up for this card because I was promised XXXX mileage points by JetBlue for opening it and using it. Then was prmised XXXX points for every dollar spent. I also font understand how my balance increased so much because my spending habits ate not out of cpntrol so I suspect fraud. 

I also never received the promotional XXXX mileage pointd for using this card, but never received the promotional XXXX points. At this point, I do have XXXX mileage points but, I was told by customer service at the interest payments that I'm paying do not translate into any mileage points, so I'm just paying interest only for basically nothing in return, for maintaining a balance on a card that I have stopped using. 

There is no value added and just giving my money away to the bank since I have a lot of other personal things that I'm trying to save up for but I can not due to this card. 

The interest is providing no value whatsoever I would appreciate your assistance in this matter and looking into Barclays practices in this country in their credit card Market as well as JetBlue for promoting it and not following up on their promise of bonus mileage points I think this is a crime and it turns into fraud and usury. 

Please help me win this matter at your earliest convenience and please contact me at XXXX or my email account at : XXXX Thank you very much. Please act on this before XXXX becomes president because I'm sure my rights in this matter will vanish
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (MN)

I am a victim of identity theft. Someone used my name and personal information to recently apply for and opened up a Barclays Bank credit card account in my name. I have never applied for or opened a Barclays Bank credit card account. I have never had a Barclays Bank credit card account. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPTUM BANK, INC. (LA)

See attached highlighted statements. This is the information that has been provided to Optum bank. All highlighted charges are fraudulent. Only XXXX card issued to myself and I was in possession of the card at all times. I have been trying to get this issue addressed since late XXXX. I am told they credited some charges from XXXX  but have yet to see the statement proving that this occurred. XXXX XXXX with Optum Bank was working the issue but dropped the ball!! I attempted to call her several times and never received a call back. She was the only individual who said that Optum Bank does have the statements I sent with the highlighted fraudulent charges. 

All other individuals I have corresponded with indicate that need me to send the fraud charges else they can't help. It is just mind boggling the games Optum is playing.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Unathorized inquieires in my credit report by person or financial institutions. Somebody is using my information for a car note. Investigate rught away please and erase this information from my credit report : 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
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (FL)

I was sent an Avant cc, I never called to activate the card, I've never used the card and they keep sending me emails that I have overdue balance and has even been sent to my credit report. On the phone they tell me it's resolved as fraud, yet the balance keeps going up. I've asked them to close this fraudulent account and they keep sending me new cards, none of which I've activated or will ever use. They are a very fraudulent company and no one is talking care of my problem. I've never used any card period.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I traveled forty-five minutes to visit the Bank of America branch closest to me to redeem XXXX XXXX  XXXX XXXX bonds that my late father had purchased on XX/XX/year>. The person that served me, and his manager, said that the bonds had not yet matured. I pointed out that the bonds were more than XXXX years old, to no avail. 

After multiple emails with multiple persons, the point of contact that BoA designated for exclusive communication blamed the failure on treasurydirect.gov. I searched for news of any such failure and found nothing. I then asked whether BoA had experienced any similar failure that day. 

BoA has not responded to multiple follow ups, so I suspect that they lied.
Consumer complaint received 2024-09-30
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. (PA)

i am not reliable for these accounts i don't sign a written contract with XXXX XXXX XXXX or XXXX XXXX XXXX and they dint provide me with the contract please stop them from report this to my report
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (TX)

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 XXXX, which falls under XXXX  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 four 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.