davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: AMERICAN EXPRESS COMPANY (GA)

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Consumer complaint received 2024-06-05
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)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. I have knowledge of the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse... Please remove these accounts from my records : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXXXXXX.
Consumer complaint received 2023-11-14
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. (GA)

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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-06-12
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: Affirm Holdings, Inc (VA)

XXXX XXXX recently obtained false account information from Affirm, which was removed from my report as it was invalid. Upon further looking into my Consumer Report I see Affirm has yet again placed incorrect information on my consumer report. I ask that these false accounts be removed as this is not only defaming, but also putting me at financial risk. Affirm has never sent any documents showing validation or a signed contract by me which was why they got removed from my report. However Illegal access to my personal information is happening without accurate information being supplied. They have violated my personal rights. Clearly my personal information is not being protected. I kindly ask that all inaccurate information be removed as you are causing significant emotional trauma.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Back on XX/XX/XXXX, I contacted XXXX via mail about correcting an incorrect Date of Last Payment ( See attachment ) on a long closed XXXX Bank account # XXXX. As of today, XX/XX/XXXX, instead of investigating and correcting the problem of an incorrect Date of Last Payment, XXXX posted on my XXXX  Credit Report ( See attachment ) that the account, which was closed years ago and was written off via a XXXX by XXXX Bank back in XXXX ( See Attachment ), was now magically reopened! To add insult to injury, they also reported that I was now " deceased '' even though I provided, with my XX/XX/XXXX letter, a copy of my current passport, social security card and utility bill ( See attachment )! The results of their actions have cause my XXXX score to disappear right at the time I am applying for an auto and home loan. The results of their malevalent actions will likely cause me to lose both loans.
Consumer complaint received 2023-11-14
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Failure to process Dispute letters : Within the last XXXX XXXX days, several disputes letter have been sent to the credit bureau, only for me to receive stall letters. 
The Credit bureau is violating my right as per 15 USC 1666b- Billing error Also this account is inaccurately being reported across the 3 bureaus, thus the LATE PAYMENT XXXX 2024 should be deleted due to inaccuraries see attached credit status snapshot.

1. UNDER 15 USC 1666B - THIS IS A BILLING ERROR ...... I did not receive periodic statement including the information required by section 1637 ( b ) of this title via mail or delivery to me not later than 21 days before the payment due date. 
Late payement -XXXX 2024 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report and update to Paid as agreed or Paid and never later. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

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
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I filed disputes with experian for inaccurate reporting for this accounts : Dispute # XXXX Dispute # XXXX Dispute # XXXX Also, they have my birth year in XXXX. I disputed it because my birth year is XXXX. And I request that anything credit wise associated with that year is also deleted. 

I requested method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). For all listed accounts.

I also requested the records used to support the disputed item, under the FACT Act. 

I received nothing, and its been over 15 days as required by law. 


I was told by XXXX in the Dispute department today. That they are not required to provide a method of verification to me. And that it has to come from the reporting agency. I was told that the investigation team contacts the reporter. 


I requested the employee that the XXXX talked to, documents sent, address, and the dates sent from the reporter. She said she doesnt have any information but a phone number. 

I requested instructions on how to obtain the phone call. And was told only an attorney can request it. 


The method of verification requests has superseded the legal deadline. And I ask for full deletions. 


This is willful non compliance under willful non-compliance under FCRA, Section 616.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

US Bank offered a very generous promotion that stated by opening a business checking account and leaving a minimum of {$3000.00} in the account for 60 days, that they would pay out a bonus of {$500.00}. This was a ploy to then illegally charge those accounts for an account that was advertised as a free account, meaning no fees. Despite the fact that me and my associates all selected electronic statements when opening the account, US Bank defaulted all accounts to paper statements, without any notice on the promotion or while opening the account. This default not only caused my account to be illegally charged a monthly fee for paper statements, but then disqualified my account for the bonus they promised. This was done by design, and without any remorse as proven by the fact that they happily reversed the monthly fee, while stating to me that it was not disclosed anywhere, and then refused to honor the {$500.00} bonus with the excuse that my account fell below the {$3000.00} minimum when they illegally charged my account for the monthly fee. This goes to misleading and deceptive sales practices which was further perpetuated by US Bank then stating that only a branch manager could solve the problem causing me to drive to a branch that I had never been to, to only be told by that manager that he would have to call the same number I did and would most likely not get anywhere with them.
Consumer complaint received 2024-07-10
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. (GA)

I am writing this complaint due to multiple inquiries that are on my credit report. These inquiries have been deemed as fraudulent and hindering my credit worthiness. I am unaware of why these inquiries are on my credit report. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give Experian nor XXXX my consent to disclose my personal public information. Because of this, it is a violation of the law. This inquiry is deemed as fraud and should be treated as such. I have no knowledge of these inquiries and request that they be deleted. 

Inquiries from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2024-06-04
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)

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULENT INQUIRIES! 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2024
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2019 Capital One XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Pulled a hard inquiry on my credit report. I did not give authorization for this credit inquiry.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Request for Assistance with Unauthorized Inquiries and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to seek assistance regarding unauthorized inquiries on my credit report, which I believe are a result of identity theft and a data breach. I have made several attempts to resolve this issue by contacting the credit bureaus and various banks, but unfortunately, the unauthorized inquiries still remain on my credit report. This situation has been adversely affecting my credit and my financial future, and I kindly request your jurisdiction to step in and help me address this matter. 

I have diligently reached out to all three major credit bureaus, Experian, XXXX, and XXXX, to inform them about the unauthorized inquiries on my credit report. Moreover, I have also contacted several banks, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidated, and XXXX XXXX, in order to report the identity theft and the data breach that I have become a victim of. Despite my efforts, the inquiries have not been removed from my credit report, and I believe this is unfair and unjust. 

Given the impact these unauthorized inquiries are having on my creditworthiness and financial standing, I kindly request your intervention in this matter. I urge you to investigate the situation, assess the evidence I can provide, and take appropriate action to ensure that these unauthorized inquiries are promptly removed from my credit report. Additionally, it would be greatly appreciated if you could facilitate any necessary communication between the credit bureaus, banks, and myself to ensure a swift resolution. 

E I am grateful for your attention to this matter and for any assistance you can provide. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. I eagerly await your response and resolution to this pressing issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I contact my insurance all state insurance agent today XX/XX/21. everything shows clears. no outstanding 's services were obtain pay on XXXX then later services were cancelled on XXXX. A refund was provide to credit card ending XXXX please refer to letter attached and bank statement. 


This company is a scam and keep sending collection bills to address of family members. 
moreover have compromised my personal information. desist and stop immediately close this account immediately.
Consumer complaint received 2023-11-14
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-04
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. (NJ)

According to FCRA 605B, any erroneous accounts must be removed from my credit report. Could you please check the documents? There are inaccuracies in the reporting of some accounts, including wrong amounts and dates.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I mistakenly initiated an online bill payment of {$2300.00} to XXXXXXXX XXXX XXXX on XX/XX/XXXX, unaware that the account had been transferred to a new mortgage servicing company as of XX/XX/XXXX. XXXX XXXX rejected the payment due to the mortgage loan no longer being active in their system. Despite assurances from Bank of America representatives that the funds would be returned to my account, an audit of my bank account shows that the funds were sent out and not credited back. I have contacted Bank of America multiple times, and each time they claim they need to investigate further by reaching out to XXXX XXXX. It has been 2 months with no progress on the claim, causing financial hardship and late charges. I urgently need this issue to be resolved as the {$2400.00} is crucial for me during this time.