davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (GA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. On multiple occasions, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OR)

I received a XXXX payment for a bike and a XXXX payment for the deposit and they received the bike. The. Venmo froze my account and held my money for 180 days no explanation now I have no bike and no money
Consumer complaint received 2024-08-12
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. (TX)

The detail of the fraudulent account is as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally filing this complaint regarding my credit record. During a review, I identified late payment entries. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXXXXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Kind Regards
Consumer complaint received 2024-08-12
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. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 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 two are required per law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Company : wells Fargo bank and XXXX XXXX money transfer. 
Amount : {$2500.00} XXXX or XXXX of XXXX  This is a situation that I sent money from my Wells Fargo Bank by XXXX to this person as she claim to be a paralegal. She took the money and never follow through to complete the task so I reported to wells Fargo Bank and they responded no fault. I could not contact XXXX. 
In addition, I reported to her Bank which was XXXX XXXX  to local manager and she said there is not much she can do. 
This situation let me to another Fraud which I can explain in different case. 
This is happing to many people and I recently learned to report to you. Please help.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

Part of the schools promise upon graduation was lifetime access to the facility and all the equipment they had available. They have closed down since then. While attending the school most of the staff began to quit due to a regulation that was passed that affected the teachers. I dont believe that the level of education promised was provided while in attendance.
Consumer complaint received 2024-08-11
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: ALLIANT CREDIT UNION (GA)

NOTICE OF DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX, XXXX Re : Dispute of Alleged Late Payment Request for Verification DISCLAIMER : It is important to clarify that simply providing a record of when the payment was posted by your department does not suffice as proof that the payment was actually late. Such records only illustrate when your department processed the payment. 

To Whom It May Concern, This letter serves as a formal notice of dispute concerning the reported late payments associated with my account XXXX with ALLIANT CREDIT UNION. This dispute is brought according to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically under 15 U.S.C. 1681i ( a ), which requires the prompt investigation and correction of disputed information. 

My dispute is further supported by the legal precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which emphasizes the necessity for creditors to maintain accurate, substantiated, and verifiable records when reporting to consumer reporting agencies. 

Accordingly, I hereby request that you provide the following specific documentation to substantiate your claim that the payment in question was late : Internal Records, Logs, or Notes and Interactions : Pursuant to 15 U.S.C. 1681m ( a ), please provide all internal records, logs, or notes and interactions that indicate the exact date and time the payment was received by your institution. 

Supporting Communication or Documentation : In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates the accurate reporting of information, I request any communication or documentation that supports the assertion that the payment was received after the established due date. 

Relevant Policies or Procedures : As provided by 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers of information to notify consumer reporting agencies of corrections to information that is found to be inaccurate, please supply any policies or procedures that were in place at the time, governing the handling of payments and the reporting of late payments. 

Please provide the requested documentation by XX/XX/XXXX, which falls within the legally required XXXXay period as stipulated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to provide the necessary documentation may compel me to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to ensure the accuracy of my credit report. 

Your prompt attention to this matter is not only expected but legally required under the provisions of the Fair Credit Reporting Act. I look forward to your swift and thorough response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year> I received a number of flight confirmation emails from JetBlue about flights originating in XXXX XXXX to various places on the east coast. The flights were in my name, confirmations sent to my email address, using the information I had saved on JetBlues website. I did not book these flights. 
I IMMEDIATELY canceled all of the flights and changed my JetBlue password. I also placed a credit freeze on XXXX, XXXX, and XXXX. 
I found that the flights werent even booked on my credit card and after some digging saw that it was a Barclays Bank Delaware card that was opened in my name. ( I received an email that I had opened an account with them XXXX hours after I had already reported it to them and closed the account. ) I immediately called Barclays, relayed that it was fraud and they closed the account and opened an investigation. At that time they had told me there were no charges yet on the card. 
I reported the identity theft with the Federal Trade Commission. 
This credit card is not even listed on any of my credit reports. All three reporting agencies believe this is because of the speed with which I caught the fraud and canceled the account. The only mention of it is a regular inquiry through XXXX from Barclays on XX/XX/XXXX, when the fraudulent account was opened. 
Barclays Bank Delaware has denied that it is fraud on the basis of the flights being booked in my name. I appealed with a letter and a copy of my FTC report. 
To be clear, there is no phone number nor email to speak with anyone in the fraud investigations at Barclays. There is only a fax number and po box . 
I now have to pay the card balance totaling {$2000.00}, which I did not spend or my XXXXredit score will fall. 
This was fraud and identity theft. My California DMV account was also hacked. 
I am reporting Barclays Bank Delaware for XXXX ) terrible consumer services, XXXX ) allowing someone else to open a credit card in my name, XXXX ) not notifying me of the opening of the credit card for many hours, XXXX ) ignoring the fact that I took every correct action immediately and are still requiring me to pay them, and XXXX ) not making any conversation over the phone or email available. This all should be illegal of Barclays Bank Delaware.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

XXXX has already deducted {$12.00} fees from my checking account due to low balance for 4 months ( XXXX XXXXXXXX XXXX ) without sending me any notification until I recently logged into my account for other financial matters. While we are getting used to the fact that charging fees on low-balance accounts becomes a rule of game for financial industries, this is against the rights of consumers especially if low balance does not bother their normal transactions or lead to substantial consequences, like overdraft. Furthermore, we have the right to receive advanced notifications or alerts to action early and avoid the fee charges. It seems that banks are just waiting there for a chance that a consumer finally falls into their set-up trap so that they could enjoy charging fees recklessly! I hope the regulators would cancel such unreasonable penalty imposed from the bank side on consumers.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

Equifax takes off a large amount of my points whenever something is reported bad. When something is reported good they give me a couple of points. I'm working to build my credit and it's hard when credit bureaus want u to pay a fee for XXXX  score update and more. If you don't, you get poor treatment. My XXXX score hasn't been updated in months and that's only when my report is ran for false pre approved cards
Consumer complaint received 2023-10-02
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. (IL)

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$9600.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2024-07-09
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. (DC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-09
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. (MI)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 2024-07-09
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: EQUIFAX, INC. (CO)

I am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. I am deeply concerned about the presence of unrecognizable and reinserted information on my report and wish to reiterate the gravity of this matter.
Consumer complaint received 2024-07-09
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this