davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-26
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: Experian Information Solutions Inc. (CA)

I have identified several instances where Experian and XXXX have failed to comply with the FCRA, specifically 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681 Section 602a, 15 U.S.C. 1681 Section 604a Section 2, 15 U.S.C. 1681c ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ).

The violations that I have uncovered are as follows : Inaccurate Reporting : Upon reviewing my credit report obtained from XXXX XXXX, I have discovered numerous inaccuracies that are inconsistent with my credit history. These discrepancies, including incorrect dates ( last verified, opened and/or closed, and last activity ), balances, and account status, have a detrimental impact on my creditworthiness and financial well-being.

Failure to Conduct Reasonable Investigations : According to 15 U.S.C. 1681i ( 5 ), it is the responsibility of Experian and XXXX to perform a reasonable investigation upon receipt of a consumer dispute. However, my investigation reveals that Experian and XXXX have not fulfilled this obligation adequately. They have failed to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. 

Failure to Disclose Information : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), Experian and XXXX are required to disclose complete and accurate information to consumers upon request. However, I have encountered difficulties in obtaining comprehensive information regarding the sources and nature of the reported items. This lack of transparency hampers their ability to verify the accuracy of the reported information. 

Inadequate Data Security Measures : I have uncovered concerns regarding the effectiveness of Experian and XXXX 's data security protocols. In light of the increasing prevalence of identity theft and data breaches, it is essential for Experian and XXXX to maintain robust measures to protect consumers ' sensitive information, as mandated by 15 U.S.C. 1681 Section 602a. 

These violations by Experian and XXXX undermine the integrity of the credit reporting system and have a significant impact on my financial well-being. Therefore, I urge you to investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. 

I have enclosed supporting documentation, including copies of my credit report, highlighting the reported inaccuracies and inconsistencies. Kindly acknowledge receipt of this complaint and provide updates on the progress and resolution of the investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and protect the rights of consumers under the FCRA.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identity theft cards were opened in my name such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXXXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (UT)

In XX/XX/2023, my Citibank checking account which is connected with an accelerated savings account was charged $ XXXX  monthly fee for the first time. We knew from when opening this account and had enough in the combined savings and checking account to avoid any monthly or overdraft fees. We called and asked why this was charged however the representative was unable to answer why this was charged. They were happy to reverse this fee. However, there was no notification as to when this fee was charged and why we were charged this fee. This represents illegal fees without appropriate notification or explanation by Citibank and I am worried about my account and the XXXX of other account holders who are being charged these fees without explanation or notice.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

At the end of XX/XX/, I called to request my JETBLUE BARCLAYS credit card be closed as it was not an actively used card but more importantly i did not want to continue paying an annual fee on a credit card ( JETBLUE BARCLAYS ) credit card wasn't in use. The {$99.00} annual fee far outweighed the benefits i was receiving by keeping the card ( JETBLUE BARCLAYS credit card ). I had a reasonable expectation that my request was completed as requested, therien there would not be any further fees or charges on the mentioned credit card ( JETBLUE BARCLAYS credit card ). I felt confident that i would not have to monitor this card going forward as it would be closed. To my dismay and shock, i received a message saying that i was delinquent due to an annual fee of {$99.00} that was assess on the card, that i requested closed at the end of XX/XX/2023. I made the payment in full ( {$99.00} ) to avoid any negative impacts and called Jetblue in the attempt to resolve the issue. The consequences of the card not being closed as requested has resulted a significant decrease on my previously stellar credit score with an additional 7 year remark on all 3 credit reporting agencies. This has and will cause me a significant financial burden on future financial ventures i am planning.
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (MS)

I have double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I Request these items to be deleted from my report ASAP.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NV)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX ......
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been dealing with this issue since XX/XX/2023. Trying to get my funds back, since then I was denied and then reconsidered the claim then got separated, three were found in my favor, I then contacted CFPB to assist in making an effort to reason with Bank of America card holder and still no results, I am unsure how these decisions are decided but I am ready to seek legal counsel? To get this issue resolved? I've given them a police report ive gone inside the bank and sent copies of my social security card, ive even given them a name who I thought it could be that has done this to me and still nothing.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (TX)

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. 

I told Experian, XXXX and XXXX to reinvestigate these accounts, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2023 I set up 4 auto payments for my Kohls card. I set up a auto payment on XX/XX/2023 to pay {$30.00}. XX/XX/2023 to pay {$200.00}, XX/XX/2023 to pay {$30.00}, and XX/XX/2023 to pay the remaining balance of {$230.00}. On XX/XX/2023 ; Kohls withdrew {$230.00} from my checking account which I never authorized that amount on that date, which caused my bank account to become overdrawn by {$23.00} and resulting in me not being able to pay my XXXX bill for {$75.00} or my XXXX bill for {$98.00} which is resulting in late payments for these bills. Kohls on their own decided to add my payments together each month to withdraw a bigger amount than I authorized. I get paid bi-weekly and was setting up my payments to correspond to my paychecks. I called Kohls on XXXX and they said I needed to call my bank. I asked Kohls to cancel my next autopayment since I did not authorize {$260.00} to be taken from my bank account I authorized a total of 4 payments not 2 payments.
Consumer complaint received 2023-05-26
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX  XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX XXXXXXXX .... Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX  XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

I had an account with Wells Fargo and was charged a number of ATM fees for no reason. I also had a payroll check held for no reason and the account put on hold because they said the check was fraud. I closed my account with Wells Fargo however I feel I should be part of the consumer settlement however no one from the company contacted me. I guess they only provide the service for current customers.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Aside from my complaint last XX/XX/XXXX which the companies responded with deletions being made but not all got deleted. My complaint last XX/XX/XXXX and XXXX, XXXX was closed immediately. Please don't close my complaints because there are still MULTIPLE fraudulent items on my credit report. I'm reaching out AGAIN for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST TRANSUNION. TRANSUNION REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS XXXX  IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). XXXX  NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, AZ XXXX. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LISTED ARE CHARGED OFF ACCOUNTS AND CONSIDERED " GROSS INCOME FOR ME '' AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY, BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY FICO SCORE WHICH IS FALSE, MISLEADING, AND DAMAGING. DELETE XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS TAXABLE GROSS INCOME '' ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX ON THERE ACCOUNTING BOOKS AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY KEEP REPORTING THIS ON MY CONSUMER REPORT SHOWS THERE ATTEMPTING TO " GET A DOUBLE UNJUST ENRICHMENT '' PAYMENTS WHICH IS UNLAWFUL. I HAVE ASKED FOR RE-INVESTIGATIONS OF ALL these issues MULTIPLE times prior and have PAST CFPB DISPUTES ON RECORD SHOWING AS " FUNISHER SAYS ITS ALL '' VERIFIED " but AFTER SHOWING YOU THE FCRA LAWS TRANSUNION IS NOT COMPLYING AND VIOLATING MY CONSUMER PROTECTION RIGHTS ACCORDING TO THE FCRA. HOW CAN TRANSUNION KEEP BEING ALLOWED TO REPORT WHILE IN VIOLATIONS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT. BECAUSE TRANSUNION WILL NOT COMPLY TO THESE FCRAFEDERAL CONSUMER REPORTING ACT LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE, AND HOLD TRANSUNION ACCOUNTABLE TO THE FCRA FEDERAL CONSUMER REPORTING ACT LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA LAWS AND VIOLATIONS TRANSUNION IS GUILTY OF BREAKING AND NOT COMPLYING WITH. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN TRANSUNION WILL BE IN COMPLIANCE WITH THE FCRA ACT LAWS THAT HAVE BEEN ESTABLISHED.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

While checking my personal report, which I acquired fromChexSystems, I noticed an Unknown Checking account made by your company XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. I did not authorized anyone employed by your company to make an inquiry and/or open the account under my information without my consent. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.