davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

On XX/XX/ I received a letter by mail ( dated XX/XX/23 ) saying my account was being closed and a physical check would be mailed to me. Letter did not specify reason for closure. I contacted customer support and they did not know the reason for closing the account but referred to the letter. I asked if they can electronically send my funds to me instead of mailing a check. They have not confirmed if this is possible and are saying I will receive a check within 10 days. The account had a sizeable amount and a 10 day delay equates to hundreds of dollars of lost interest where they have the funds but will not be paying me interest.
Consumer complaint received 2023-09-06
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: JPMORGAN CHASE & CO. (MD)

XX/XX/2023 JPMCB Card services ran my social security to check on my credit report which I didnt authorize. I dont have any transactions with them. Someone is accessing my social security to apply or inquire to get a loan/card services. I recall that XXXX XXXX XXXX under XXXX XXXX XXXX had some issues with security incident that was accessed by a hacked and my personal information was access without authorization. I have received a letter from XXXX XXXX XXXX in regards with the incident. I suspect that someone is trying to access my personal information to get a loan from a bank.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under 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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have disputed several items with all XXXX bureaus and two bureaus have verified and deleted incorrect items and updated neva information. Yet, Experian has not chose to do so. I have higher scores with two other companies and direct results from evidence and disputes. Experian has also blocked me from disputing several accounts because they have been disputed already. In accordance with the FCRA new laws in credit reporting. Negative items over two years without proper documentation and validity of account shall be removed.
Consumer complaint received 2023-09-21
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. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX 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 2024-09-18
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. (IL)

I was viewing my consumer credit reports and seen the following inquiries are not recognized/ approved 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
Consumer complaint received 2024-09-18
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. (GA)

I Demad a removal of inquires that was not made by me I have recently applied for a credit card and was denied because of inquiries please remove with 5 business days thank you 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 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 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 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 XXXX SECTION 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) of the United States Code states that a credit reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries were made without my consent and are in violation of this statute
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) 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 XXXX 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 XXXX 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 2016-12-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Claim Numbers : XXXX XXXX XXXX XXXX Although my mailing address XX/XX/XXXX, was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX, I resided at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. 

XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX XXXX , New York XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , New York XXXX XXXX and XXXX XXXXXXXXXXXX, stole my business debit card on or about XX/XX/XXXX or XX/XX/XXXX. They are family members of my ex-girlfriend and were aware of my home being raided by the police, the arrest of my ex-girlfriend and I, nobody caring for our home nor personal effects as of XX/XX/XXXX. Thereby feeling safe in illegally gaining entry into my then home to burglarize it. I was XXXX from XX/XX/XXXX, at XXXX until XX/XX/XXXX, continuously and did not verbally or otherwise authorize the possession nor use of my bank accounts in any manner whatsoever. See enclosed XXXX. XXXX documents. This fraudulent activity was reported to Bank of America by me via mail which was never responded to in or about XX/XX/XXXX, and to a Bank of America representative in XXXX XXXX, New York by my Power of Attorney XXXX XXXX on XX/XX/XXXX, both times within sixty days of its occurrence, but the representatives failed or refused to do anything/make a proper note of it for addressing or reference by the appropriate personnel. An internal complaint has been filed against the XXXX representative as well ( Reference # XXXX ). See also : Federal Trade Commission Identity Theft Complaint Reference # XXXX, XXXX. Complaint Report # XXXX which Detective XXXX XXXX, XXXX or XXXX, is investigating, XXXX.Case Number XXXX which identity theft and fraud investigator XXXX, XXXX, is investigating, and Bank of America 's credit department also granted my claims surrounding the other fraudulent crimes I have been a victim of by the same above mentioned individuals. 
I have contacted numerous Bank of America Associates and Supervisors whom have failed or refused to properly investigate this matter for its proper resolution. For they have not even contacted me requesting any documentation in support of my claims or otherwise so as to conduct an in depth inquiry. Instead they have continued to deny my claims summarily. This despite the fact that my Bank Account could not have been closed by any third party without any Power Of Attorney irregardless if they do not have it on file through some obvious error of theirs. Therefore making it evident that they were in fact on timely notice of the fraudulent activity but failed to act through their own ineptitude. It should also be noted that my Debit card had a photo of me on it as a security feature but such was not used for my protection when fraudulently used. 
Your time and help in the proper resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX
Consumer complaint received 2024-09-18
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. (NY)

I reviewed a copy of my credit report and it has come to my attention that XXXX, XXXX and EXPERIAN has violated my rights. EXPERIAN ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX  XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX. XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXXXXXX  XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXXXXXX, XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX  XXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact XXXX, XXXX and XXXX also I contact XXXX, XXXX and XXXX in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, XXXX, XXXX and XXXX. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

-15 USC 1681 section 602 A. States I have the right to privacy.

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose.

15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.
Consumer complaint received 2023-08-08
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. (SC)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-21
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (OH)

Send debt validation letter on XX/XX/2023 via certified mail # XXXX to Target Card Services, XXXX XXXX XXXX XXXX, XXXX XXXX, MN, XXXX after company filed credit judgement with XXXX XXXX XXXX Ohio XXXX XXXX No response received from Target or Target 's attorney XXXX XXXX XXXX.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Upgrade, Inc. (SC)

On XX/XX/2023 I asked XXXX XXXX XXXX to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved. 
On XX/XX/2023 I asked XXXX XXXX XXXX to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language. 
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX