davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (KY)

My XXXX XXXXXXXX was hacked and someone got a hold of all my important info like bank acct, drivers license, home adress and etc. And they start transferring money from my bank to XXXX that I didnt authorize at all. First the money transferred was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$5000.00} and on XX/XX/XXXX again for {$10000.00}. US bank said that they cant do anything because it was wired transfer and wire transfer is irreversible. So i filed again and same thing they told me that it was irreversible. They told me that the only thing i will get a refund is if the receiving bank is willing to return my money back. This is my money and this is total fraud. I didnt authorize these. Weve been with US bank for over 20 years now and its sooo sad that they are not willing to help us on our lowest point. I feel that we arent protected especially our money with them. I feel that they failed us big time for not protecting our money. 

Ps. They closed our old acct and we opened a new acct.
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (MA)

Received a " Cancellation of Debt '' 1099-C form for XXXX  taxes. From XXXX California - Hyundai Motor Finance Co. 
Submitted a complaint to credit bureau and they will not change credit report to not report this as a negative item. Credit bureau said Hyundai is keeping it on my file.

The debt is cancelled so why am i being negatively impacted by an item that is cancelled. Hyundai should not leave a negative item for nonpayment on my file when they sent me 1099-C that i had to report on my taxes. Debt is paid.

My report Id number for the report from the credit bureau is XXXX - XXXX I am being penalized for a debt that is paid even by Hyundai understanding.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (DE)

On  XXXX   XXXX , I received a claim demand form Register of Wills for {$1600.00} from  XXXX  Services/Target Credit Card. I contacted a representative (  XXXX   ) o f  XXXX   XXXX  who would not discuss the account of  XXXX   XXXX   XXXX   XXXX  with me, only with  XXXX   XXXX  and  XXXX   XXXX . I faxed a documented proof, I was co-administrator of the Estate of  XXXX   XXXX   XXXX   XXXX , I rejected the claim of {$1600.00} by  XXXX   XXXX  Target  Credit Card based on  XXXX   XXXX   XXXX   XXXX  suffering from  XXXX  and survived 18 years of   XXXX   XXXX  . I requested Target Credit Card provide me with documented proof  XXXX   XXXX   XXXX   XXXX  signed any or all Target Credit Card receipts within the past  two  years especially l between the period of  XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX .      XXXX   XXXX  made several unauthorized cash transactions on  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Therefore,  XXXX   XXXX  could not sign any checks or credit card receipts for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NC)

On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).
Consumer complaint received 2024-09-10
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. (MI)

the inaccurate information being reported on my credit file related to two closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 16 CFR 313.1, I have the right to dispute and correct any inaccuracies on my credit report, as well as prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties.

According to 16 CFR 313.10, nonaffiliated third parties are defined as any person who is not an affiliate or someone jointly employed by you and a company that is not your affiliate. These nonaffiliated third parties include companies that may be affiliates due to your ownership in conducting merchant or investment banking activities as described in Section 4 ( k ) ( 4 ) ( H ) and ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including Experian. The two account opening dates and balances differ between Experian, XXXX, and other agencies, as detailed below : Account Opening Date : Experian states I opened these two accounts on XX/XX/year>, while XXXX reports a different date. 
Balances : Experian and XXXX are reporting conflicting balances for the same two accounts, which is impacting my credit utilization.

Additionally, Experian is reporting these two accounts as charged off, whereas XXXX and XXXX have reported them as closed. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization.

Furthermore, 15 USC 6801 emphasizes that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. Nonpublic personal information includes personally identifiable financial information and any grouping of consumers derived from such information that is not publicly available, as specified in 16 CFR 313.10 ( n ) ( 1 ). In accordance with 15 USC 6802, financial institutions are prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless I have been provided with a clear and conspicuous opt-out notice, which I did not receive.

As outlined in 15 USC 6802 ( c ), a nonaffiliated third party that receives nonpublic personal information is restricted from further disclosing that information unless it complies with the same conditions imposed on the financial institution. Additionally, under 15 USC 6802 ( d ), financial institutions are prohibited from sharing my account information for marketing purposes without my explicit consent.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
Consumer complaint received 2024-11-01
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)

XXXX XXXX  XXXX and the credit agencies Experian and XXXX are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting XXXXwo different account numbers.
Consumer complaint received 2024-09-10
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. (CA)

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On XXXX separate occasions, I mailed dispute letters to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my XXXX XXXX XXXX XXXX XXXX  and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year>, and I received a response via email dated XX/XX/year>. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party. 
I am including copies of my dispute letters, along with Experians responses, as proof of my complaint. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2017-05-12
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: SYNCHRONY FINANCIAL (DE)

On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-10
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. (KY)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Experian for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, Experian is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : Experian Experian reports discrepancies in payment history as well, despite repeated disputes : Two-Year Payment History : Reflects inaccurate 30-day late payments.

Days Late - 7 Year History : Incorrectly lists two 30-day late entries. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Experian. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-11-01
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. (TX)

I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/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 Inquiry to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
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. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.