davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit card or prepaid 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: Chime Financial Inc (CT)

I contacted chime regarding a. Unauthorized purchase made on XX/XX/XXXX for ) XXXX from XXXX XXXX XXXX. I just contacted them today they advised to allow time to investigate a hour has passed and I just received a email they denied my claim and are refusing to credit back my account the {$180.00}. These people answering these calls are foreigners and can barely understand me and I can barely understand them. This charge is fraudulent and they need to give me back my money
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit.

I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (CA)

I was alerted by a text message from Comenity regarding 4 {$0.00} charges on my card that were suspected to be fraudulent. I responded that the charges were fraudulent. I received a response that they would send a replacement card. It is now 4 days later and the fraudulent charges are still on my account. I tried to call their fraud department, however no one ever comes on the line after waiting on hold for almost an hour.
Consumer complaint received 2024-09-19
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
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. (MI)

XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX  have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX XXXX XXXX  on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about 30 loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by XXXX as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America claim XXXX XXXXXXXX On XX/XX/2024, I sent a WRONG payment to ( XXXX ) XXXX for {$3000.00} under the name of XXXX XXXX XXXX I mistyped the phone number and it was supposed to be for ( XXXX ) XXXX for XXXX XXXX. I dont know XXXX whatsoever, it was a typo mistake that I made. I also had tried to message the person, and she never responded. I never had any association with the person in my life and I dont know that person. Ive attached a screen shot of my message to her right after I realized I made that mistake. Ive attached it with this claim. 

Under Regulation XXXX, authorized under the Electronic Fund Transfer Act ( XXXX ), protects consumers like when they transfer funds electronically. It allows you to dispute an XXXX withdrawal, debit card purchase or electronic funds transfer. 

The rule specifically protects you from an incorrect electronic fund transfer to or from your account. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation XXXX applies to transfers made through XXXX. 

Ive called BOFA immediately after my mistake, the put in a claim, and today I just received a denial letter.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (GA)

Will on vacation in XXXX XXXX XXXX, Fl my husband entered on XX/XX/scrub>/24 Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX Fl to make a simple transaction. He presented his current Drivers License & his bank deposit slip! We have several accounts with them! I was outside in car! The bank did not appear to be crowed but after about 5 to 10 minutes I decided to go inside because it was hot & the transaction my husband was doing should not have taken long! I stood at the door & my husband appeared to be being helped! Probably another 5 minutes went by & I walked up to my husband because he was still waiting & I asked him was there a problem? He responded to me I am not sure the teller has not said anything! We could see this teller apparently she worked the drive through window I believe! She discussed our account or transaction I believe with about 5 other people showing whatever was on the computer. Why! She never came to us to explain what the problem was or refer us to her boss! And I am not sure why I did not ask for the person in charge! Yet none of people who she was talking to seen to know what to do or refer her to who was over her! Several of the people were tellers & I not sure who the other two people were but they apparently worked in the bank & passed by me! I asked them both what was the problem? They both acted like deers without there headlights! The teller came up front I told my husband his ID did not match! Match what! 
My husband told her she could call any branch in XXXX because they all know him! She said okay but didnt call anyone! So she went back to typing then finally hollered I am process your transaction now & so every body in bank could hear her! I talked to the Branch Manger today XXXXXXXX XXXX24 & apparently this is good customer service. She had no satisfactory answer as to why this teller told my husband his Georgia ID did not match! However did invite me to meet her if I am ever in area! I advised her I had no attention of ever coming in this bank again! I am not sure what her response was!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I sent Experian a letter in the mail asking them to delete all personal information on my credit report besides my one and only name my one and only adress my one and only phone number and they added XXXX names to my credit report and XXXX addresses
Consumer complaint received 2024-09-19
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-19
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)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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 2024-09-19
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. (GA)

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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin 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 ).
Consumer complaint received 2024-09-19
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. (GA)

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 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 informatin 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 ).
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am disputing this account because I do not owe this debt to such company, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and has not allowed me to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).
Consumer complaint received 2024-09-19
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. (CT)

Please remove inquiries off my credit profile from Experian, XXXX XXXX and XXXX immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-19
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. (DC)

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX 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 2024-09-19
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)

There is information in my file, stated below, that I have identified as information that resulted from identity theft. 

In XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over XXXX times by different parties to commit fraud. 

On XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of XXXX XXXX. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. 

On or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. 


XXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX - XXXX Bankruptcy XXXX XXXX XXXX Reference Number : XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.
Consumer complaint received 2024-09-19
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-19
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.