davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I have been trying to create my account with them online and via their customer service SINCE XX/XX/year> but up to this day, the issue has not been resolved. They told me that they could not verify my identity and asked me to mail and email them my proof of identity and address, which I did but no one even responded. This issue has been ongoing since XXXX. Can you please send them my requests for fraud inquiry deletion and account creation? Also, please forward all attachments needed. For Experian, here 's my username : XXXX, password : XXXX @ XXXX. Experian 's customer service robot has also caused a lot of stress because it couldn't hear and understand a word I say which was very frustrating. Contact # XXXX : XXXX, social secruity # is in the attachments. 

I have been a victim of identity theft and would like to request your assistance to delete the following fraud hard inquiries on my credit reports : XXXX XXXX - XX/XX/year> and XXXX - XX/XX/year>. I have attached here my FTC reports, driver 's license, and social security card. I was told to send this by mail but they said they never received my request. I would also like to bring to your attention the delayed response of Experian.
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (ID)

This is directly related to my other complaint made moments ago with cfpb. I was contacted by a number listed as XXXX XXXX  at XXXXXXXX XXXX on XX/XX/XXXX. They claimed someone has opened a XXXX account with my information and in order to stop the transaction I needed to send a cancelation request in the same amount. I sent the transaction according to their instructions to XXXX XXXX in the amount od {$990.00}. They then requested that I send a second transaction through an app called Ria in the amount of {$800.00}. I went it according to their instructions. The authentication process used during this call was the same process I've always gone through with XXXX XXXX so I believed it to be true. I quickly found that this was not the case when the money came out of my account and was not canceled. I called Ria customer service and requested that the transaction be canceled but they said it was too late. They marked rhe transaction as fraud but said there was nothing they could do to return the funds. The transaction number was XXXX. I have since deleted my account for security purposed.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TX)

I have had financial difficulties paying my car. I tried making arrangements with American Credit Acceptance. I was told they couldnt help until I was caught back up. I was 3 payments behind. On XX/XX/XXXX at XXXX XXXX my car was picked up. I call today to find out about getting my car back and was told XXXX bought my car back and they could not give me anymore information. I have made all my payments to American Credit Acceptance never to XXXX. I contacted XXXX and was told by one rep they did not have any loan with them. Then was transferred to collections and was told something about a register and transferred to collections. They have never notified me at my address of anything.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/year> application denied for Ref : XXXX. 
On XX/XX/year> application denied for XXXX. 
On XX/XX/year> application denied for XXXX. 
According to 15 USC 1679a ( 1 ) the term consumer means an individual. ( 2 ) Consumer credit transaction means any transaction on which credits is offered or extended to an individual for personal, family, or household purposes. 15 USC 1602 ( f ) the term credit means the RIGHT! 12 USC 1431 Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers. The denial of these applications is a violation of 15 USC 1691 ( a ) activities constituting discrimination It shall be unlawful for any creditor ( American Express National Bank ) to discriminate against any applicant, with respect to any aspect of a credit transaction. When in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. In addition, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. This will also serve as Notice of breach of fiduciary duties XXXX XXXXXXXX XXXX XXXX XXXX. It is AMEX duty to provide accounting under XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Its a direct violation of mismanagement of Trust Assets : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  When a BOND is tendered for settlement there is immediate discharge and XXXX XXXX applies. The bank is required by law to either use their XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX series, to perform the set off, or wait for the XXXX to process the BOND and discharge the liabilities. Its simply a book entry, just like the original demand deposit which extended the credit from the buyer to seller. If you refuse to do the accounting, you can be held liable for damages for violating FDCPA and FCRA 15 USC 1681 a, n, o for willful negligence noncompliance. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX
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. (TN)

I filed a dispute with Experian to remove an inaccurate address, XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. Instead of investigating this address, Experian responded by referencing a different, unrelated address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX This address is associated with XXXX, XXXX, and was not relevant to my dispute. 

Experian later sent me a generic email explaining their dispute process but failed to provide any specific information about the method of verification for the XXXX XXXX XXXX address, which is required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). This generic response did not explain how they verified or rejected the actual disputed address. 

I am concerned that Experian did not conduct a reasonable investigation as required by the FCRA. This issue reflects a broader pattern of inadequate investigation by Experian, as seen in recent legal cases, including a class-action settlement where Experian paid {$22.00} million due to failures in verifying consumer address information. 

I am requesting the CFPBs assistance to ensure Experian conducts a thorough investigation into my dispute, removes the incorrect address, and provides a detailed method of verification.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/2023 I initiated a wire transfer to the amount of {$5500.00} from my Santander personal checking account to my friends personal checking account with XXXX XXXX XXXX. We were told by XXXX XXXX  on XX/XX/2023 that the funds can not be deposited to my friends account because his account is whats called a chase secure checking that can not accept/send wire transfers. We were told that the funds were automatically sent back to me. However my bank ( Santander ) never received the funds back even after multiple swift recall attempts. Here we almost 2 months later and nothing has been resolved. Both banks are putting blame on each other and are not willing to work with us to find a resolution. 

To top this all off, ive requested documentation of proof of recalls from Santander bank to XXXX and they denied me any access to any information. Santander bank also never asked me to sign the wire agreement nor did they give me a wire tracking number even after asking for it multiple times They also took a full week to tell me that they needed to send a recall so the first recall was not made till XX/XX/XXXX. 

At this point i am fed up with talking to customer service agents who just dont have the authority to help resolve this situation. Ive followed up in writing to both banks and they just dont seem to care. 

I am not going to attach any documents to this post, I will gladly send any documentation over after speaking with someone over the phone to discuss this further. Thanks
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

My account has been frozen for a month now. I have funds in the account but can not access them. I signed up for another bank and found out Im on early warning systems because of XXXX XXXX. My account, even though frozen has no negative balance and has never been negative.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XXXX XXXX I sent a Zelle payment of {$350.00} to the wrong recipient. It went to XXXX at XXXX. It was supposed to go to XXXX at XXXX. I have made multiple attempts to resolve this with my bank, XXXX, and Zelle and the recipient. No one will return my money. The recipient is also listed as XXXX XXXX.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

I do not find it fair to buy something and not receive it! I contacted XXXX XXXX  ( Chime ) about needing to dispute a transaction that was over {$100.00} because I didn't receive the goods I purchased. Since I purchased through XXXX, they're the ones that let me know my package was supposedly delivered and they sent me a notification at XXXX in the morning. I can't remember the exact time now but you would think they would of checked with XXXX  to see when that notification was sent because who delivers at XXXX!? and I also live in apartments so my packages go to the office and they never received it! Horrible customer service. I'm absolutely not happy about this. wasted money and time, love that!
Consumer complaint received 2024-08-02
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. (MS)

I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of XXXX days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year>XXXX Southwest Credit Systems LP XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, TX XXXX Subject : Request for Removal of Obsolete Information Under 15 U.S.C. 1681 ( c ) ( 2 ) Dear Southwest Credit Systems LP, I am writing to formally request the removal of outdated and obsolete information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( c ) ( 2 ). 

According to the FCRA, adverse information that is more than XXXX years old is considered obsolete and should not appear on a credit report. After reviewing my credit report, I have identified the following entry related to Southwest Credit Systems LP, which I believe has exceeded the permissible reporting period : Account Information : Account Number : XXXX Current Status : Collection Given that the above entry is now obsolete, I respectfully request that Southwest Credit Systems LP take the necessary steps to have this information removed from my credit report immediately. Please notify me in writing once this correction has been made, or provide me with the reasons if Southwest Credit Systems LP believes that the account is still valid for reporting. 

If I do not receive a response within XXXX  days, I will follow up with the credit reporting agencies and take further action as necessary to ensure compliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

Discover / XXXX has removed over {$150.00} in cash bonuses to retaliate against end user and claim that transactions are valid FCRA transactions that do not violate regulation E
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-09-11
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (TX)

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. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

This complaint t is about Citibank Mastercard not respecting my request and their agreement to not contact me about anything by phone at home, work, or my personal cell as their antihumanitarian communication triggers my already in action XXXX. I also requested no email contact as I can't tell what's real and what isn't.

Complaint : Today, Sunday, XX/XX/year> at XXXX XXXX  est, I received a call from XXXX  at Citibank to tell me all about how much money I owe. She called me at my home phone, on a Sunday, family and company. Harrassment. She called from XXXX and spoke as though she knew nothing about no contact except through mail. Lies, unless there is no notation on her screens. In which case, someone else lied to me. Thank you.
Consumer complaint received 2024-09-11
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)

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



XXXX. XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX 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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion XXXX XXXX are reporting an account as a charge off/collection but XXXX is not reporting the account. I would like to know the information Tranusnion XXXX XXXX has that XXXX does not. The consumer reports must match across the board and this account does not. Furthermore banks are insured under FDIC so they do incur a loss so reporting this account as such is erroneous claim.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-11
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. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
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)

I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE PROFESSIONAL FINANCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX