davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (IL)

On XX/XX/year> I sent Transunion, XXXX, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored
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. (NY)

My request of having the accounts on my report be deleted has been ignored yet again - and this is causing me an indescribable stress that I sometimes feel like life is no longer worth living. My XXXX XXXX is my lifeline, it has allowed me to get more opportunities and life and being deprived of such opportunities is weighing down on me.
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: Experian Information Solutions Inc. (AL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2024-08-28
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. (NV)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G XXXX  VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-20
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)

I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Experian, XXXX ) You ( XXXX XXXX ... Account numberXXXX XXXX have furnished this account as a charge off/collection you are in violation of the Fair Credit Reporting Act 15 USC 1681. 
( XXXX, Experian, XXXX ) I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the XXXX tray commission identity, theft, affidavit " please delete the items a soon as possible '' ( XXXX, Experian, XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of XXXX XXXX XXXX  XXXX Date of XXXX XXXX XXXX Date of XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation. 
Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXX ( XXXX, Experian XXXX XXXX )
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I deposited an {$8000.00} treasurer 's check from XXXX XXXX, provided by my mother to help cover rent, bills, and medical expenses, on XX/XX/year>, at XXXX XXXX  at Citibank ATM XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX NY. The following morning ( XX/XX/XXXX ), I discovered that my account was inaccessible through the Citibank app. I contacted a representative who informed me that my account had been flagged and placed on hold but could not provide any details on when I would have access to the funds or my account. I also visited the branch where I made the deposit, but I still did not receive a clear explanation as to why the block had been placed or when I could expect to regain access to my money. 

On XX/XX/XXXX, more than 48 hours after depositing the check, I called Citibank again in an attempt to resolve the matter, but once more, I did not receive a satisfactory answer. I have not received any written communication or official notification regarding the block. Representatives have been unclear and have repeatedly transferred me between departments, placed me on long holds, and promised callbacks from supervisors that never occurred. 

This situation has caused severe disruptionsI missed a scheduled credit card payment, which has now bounced, and I am currently late on my rent payment. Additionally, I will likely have to reschedule critical medical appointments that I booked months in advance because Citibank continues to hold my funds and block my account without clear justification or a defined timeline. 

As a consumer, I am entitled to transparent communication and timely access to my funds. I am requesting the Consumer Financial Protection Bureaus ( CFPB ) assistance in investigating this matter and advocating for a resolution. Specifically, I need immediate access to my account and funds and a formal explanation from Citibank detailing the reason for the account block and an expected timeline for resolution. Your prompt attention to this issue is greatly appreciated, as it directly impacts my financial stability and well-being.
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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-20
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On Thursday, XX/XX/XXXX I received a free annual credit report. After reviewing my reports from all 3 bureaus ( Experian, XXXX, and XXXX ), I noticed a few errors. At approximately XXXX on XX/XX/XXXX I submitted a dispute through the Experian app, requesting to correct the errors. 

Incorrect addresses Incorrect phone number Incorrect credit card information-XXXX XXXX XXXX XXXX  account that has been paid and closed is reflecting a new charged off status as of XX/XX/XXXX. However, this account was originally charged off in XXXX of XXXX. Experian refuses to make corrections to the payment history. A payment was made in XX/XX/XXXX and the account was closed. I explained this to Experian in my dispute. Experian responded to my dispute same day and stated the information has not been changed. Experian did not do their Due Diligence by reaching out to XXXX XXXX to validate the monthly payment history from the date of account opening until it was closed ( XXXX ). I have the right to view all supported documentation that was used to validate if each month from XXXX is reflecting the correct status on my Experian report. 

Experian is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 by willful and/or negligent inclusion of erroneous data on my credit reports.

Under Section 609 of the FCRA I would like to request a complete file of the information that Experian used to validate my old XXXX account from XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. TransUnion is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MA)

I am writing to formally complain about Barclays failure to process a credit balance refund on my closed Banana Republic card account. I requested a credit balance refund from Barclays on four separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these multiple requests, the refund check was never received. I contacted Barclays each time and requested alternative refund methods, such as transferring the balance to another Barclays card or electronic transfers, but these options were declined. Barclays has yet to resolve the issue, leaving my account without the credit refund initially requested months ago.
Consumer complaint received 2024-09-20
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. (NC)

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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$50.00} with CREDIT COLLECTION SERVICE I did not sign a contract with CREDIT COLLECTION SERVICE and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CREDIT COLLECTION SERVICE Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CREDIT COLLECTION SERVICE has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CREDIT COLLECTION SERVICE is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-09-02
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. (GA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (TX)

At this point I am very frustrated with the credit bureaus. I have been in contact with them for quite some time trying to get errors on my reports fixed and still there are numerous issues that have not been addressed. This is my third complaint and I have also filed complaints with other agencies. They have violated the laws of credit reporting in many different ways. Failing to conduct a proper investigation, failure to provide results of their investigation and failure to respond within 30 days. My credit is suffering due to their lack of accountability on this issue and I am considering legal action against the credit bureaus and the furnishers, which is my right if it is not fixed in 15 days.