davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
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. (MD)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 2023-10-13
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. (TX)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Citizens Bank created agencies with through advertisement, which caused Citizens Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Citizens Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

OnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from XXXX said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (DE)

XXXX XXXX XXXX XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to PayPal ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my PayPal account and have also called to confirm with PayPal that I don't have any debt previously or currently. I don't have a PayPal credit card and I only use PayPal to make payments using my bank debit. I have no balance that I owe to any creditor through PayPal.
Consumer complaint received 2023-10-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I used to have a COSTCO Citi card. They wanted to charge me for membership. I had already paid my membership in person. Yet they wanted to charge me again. When I refused to have them charge my account they kept assessing late fees. The current balance solely due to late fees is {$290.00}. They say that they can continue charging me. This has to be illegal!
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. (MI)

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.

has violated my rights. Or a 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

My account was hacked due to identity theft. I reported it to the financial institution while it was happening. They informed me the account would be investigated and " locked down '' while under investigation and I would be contacted for more information. I was never contacted, the account was only " locked down '' to me and additional funds were transferred out leaving a negative XXXX balance. Tried several attempts to escalate the investigation but was Never contacted and only received a form letter from USAA. The identity thief/hacker was able to steal over XXXX total. Subsequently my account has been closed and referred to collections.
Consumer complaint received 2024-09-13
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently Experian : XXXX XXXX XXXX Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, UNDEFINED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Please remove Late Payment as this is incorrect information XXXX : XXXX XXXX XXXX  Please remove unauthorized inquiries Experian : XXXX XXXX XXXX XXXX Please remoce unauthorized inquiries XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX? XXXX, XXXX XXXXXXXX XXXXL, XXXXXXXX XXXX  XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (CO)

In XX/XX/XXXX my wife and I financed a purchase at XXXX XXXX. The financing was through Synchrony Bank. This was a no interest loan as long as the card was paid off within a year. I set up a schedule of auto payments to pay the card off by XX/XX/XXXX. The card was never used again. I logged on to my account late XX/XX/XXXX to find that a charge / fee from XXXX XXXX XXXX had to be applied to my account monthly starting XX/XX/XXXX. I called Synchrony Bank about the charge / fee. I was told that I would need to dispute the charge with the 3rd party XXXX. I told them this was a fraudulent charge but they just pushed back and stated they would not remove the change an insisted that I must deal with the 3rd party. This is an obvious scam conducted by Synchrony Bank. I am assuming they have a financial interest with this 3party. A quick internet search will show plenty of others experiencing the same scam. I am assuming that I will eventually remove the charge. Synchrony Bank has made the process of removing the charge difficult and capitalizing on the fact that most people will just pay the charge or not notice.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (MI)

I have disputed an account with a collection agency ; asking them to FULLY VERIFY AND VALIDATE this debt. This is my FOURTH letter from this collection agency; refusing to send all required and requested. I am entitled to the following documentation to fully validate a debt : 1 ) Original account number 2 ) Alleged amount owed 3 ) MY WRITTEN SIGNATURE with the original creditor 4 ) My written signature to have my account sold to a third party 5 ) Itemized copies of entire billing history of alleged debt The only information this debt collector will send is an itemized alleged billing history. There is no proof of ownership, nor proof that this company can collect debts in my state.

There is no written signature by me with alleged creditor.
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. (NY)

I am filing this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On or around XX/XX/, I opened a business credit card at Bank of America ( XXXX ). It came with a 0 % interest promotional offer for 9 billing cycles, including the statement that included XX/XX/XXXX. 

My XX/XX/XXXX XXXX had a due date of Sunday, XX/XX/XXXX. On Friday XX/XX/XXXX, I paid my balance off in cash at a local Bank of America branch. On XX/XX/XXXX, I was notified that I was assessed a finance charge. 

On XX/XX/XXXX, I called Bank of America to inquire as to why I incurred a finance charge when I paid off my card during the 0 % promotional period. The support representative informed me that Bank of America has a cutoff at XXXX Pacific Time for same day processing. As I paid after XXXX on a Friday, my payment did not post until Monday. 

The support representative attempted to reverse the charge, but it was denied by the system. I attempted to escalate the issue, and was transferred to the representative 's manager ( XXXX ). However, XXXX was not available, and the transfer failed. 

-- -- -- - There is no warning about the XXXX cutoff time anywhere in the statement. Furthermore, it makes a weekend due date a lie, as the actual due date is XXXX the Friday before the weekend. Lastly, Bank of America 's website makes it impossible to pay a business credit card with an external account, like is possible in most other institutions. 

-- -- -- - Attached are my XX/XX/XXXX and XX/XX/XXXX statements. 
The XX/XX/XXXX statement demonstrates that the balance was still in the 0 % period during that time. The XX/XX/XXXX statement demonstrates that the payment was transacted on XX/XX/XXXX ( 2 days before due date ), and posted on XX/XX/XXXX ( One day after due date ).
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-20
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)

Subject : Dispute Regarding Improper Reporting and Denial of Payment on XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding my XXXX XXXX ( XXXX ) account due to their improper handling of my payments and reporting to credit bureaus, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, my XXXX account fell behind with a couple of late payments. Starting in XX/XX/XXXX, I made numerous attempts to bring the account current and pay the overdue balance in full. However, XXXX consistently refused to accept my payments or provide me with any information about my account. They claimed that the account was not under my authority to address and alleged that a third-party entity, XXXX XXXX, held power of attorney over the account and needed to release it for me to make payments. 

This claim is false. XXXX XXXX never had power of attorney over my account, nor did I authorize such an arrangement. ( Ive included the forms which a consumer has to fill out for that to ver even be the case and ive never filled those forms or submitted them to XXXX. This is account is fraudulent due to these remarks. 

Granting power of attorney requires the submission of specific forms, which I never completed. From XX/XX/XXXX to XX/XX/XXXX, despite repeated efforts, I was denied the opportunity to make payments on my account. This refusal caused additional late payments to accrue, negatively impacting my credit report. XXXX ultimately charged off the account, adding misrepresented balances and interest that should not have been applied. 

In XX/XX/XXXX, I obtained documentation from XXXX XXXX confirming that they did not and never had power of attorney over my account. I submitted this proof to the CFPB, which led to XXXX acknowledging, after several months of refusal, that I could now make payments on the charged-off account. 

XXXX conduct is a clear violation of my rights under the FCRA and other consumer protection laws. Their refusal to accept payments from XX/XX/XXXX to XX/XX/XXXX, despite my ongoing efforts, resulted in unwarranted negative reporting to credit bureaus, including late payments, a charge-off, and additional fees. 

To support my claims, I have enclosed : XXXX. Phone records documenting my repeated attempts to contact XXXX during the dispute period. 
XXXX. Emails from XXXX XXXX confirming that they never had power of attorney over my account. 
XXXX. Prior narrative correspondence submitted to the CFPB, which XXXX previously denied. 

I respectfully request the complete removal of all negative reporting associated with this account from my credit reports. XXXX refusal to accept payments directly caused these inaccuracies, and I believe the account should be fully removed from the credit bureaus due to their mishandling of the situation. 

Thank you for your assistance in resolving this matter. 

Sincerely,