davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-24
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-18
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-10-26
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. (PA)

This is a formal complaint that Experian is being noncompliant and they are doing in deceptive practice. Sometime around the end of XXXX, I found the following component on Experian. this is a formal complaint tht XXXX is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX XXXX XXXX account XXXX XXXXXXXX latepayment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account # XXXXlate Payment. Dept of education account XXXX XXXXXXXX/late payment. Dept of education account # XXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. To which the companys response was as followed Per your request to conduct a reinvestigation, we contacted the data furnisher vendors for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed items may have also been updated by the data furnishers. The results summary was sent to you for review on XX/XX/2023. ( plz refer to complaint number ( XXXX XXXX ), however I did not receive any response to any dispute I have file, and this inaccurate ans illegal information still remains on my credit report to which is a violation under the FCRA. I believe this response was a attempt to stall.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, 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. (CA)

i have an Itin and when i went to the dealer they informed me that i had a different social on my report, however i should only be listed under my itin which is XXXX nut the social i am getting MIXED-UP WITH IS XXXX I NEED THIS CORRECTED, I AM BEING DENIED A CAR DUE TO HAVING A MIX CREDIT WITH 2 IDENTIFICATION NUMBERS, I HAVE SENT IN ALL DISPUTES AND IT IS STILL BEING IGNORED. NO ONE HAS BEEN ABLE TO HELP ME AND I DON'T KNOW WHAT TO DO. I NEED TO REMOVE THE XXXX FROM MY REPORT, I DO NOT HAVE A SOCIAL I HAVE A ITIN PLEASE, DELETE THIS AND ANY INFORMATION THAT IS NOT MINE.
Consumer complaint received 2024-06-18
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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have requested a letter of Validation. They have sent a letter back, however within that letter was a balance that did not match my credit report. I have been disputing with the credit bureaus for years, and they have not resolved these inaccuracies. That is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-26
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. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Remove late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  acct # XXXX Remove late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  acct # XXXX Remove Late Payments from XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) 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.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-07-01
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. (OH)

In accordance with the Fair Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under 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 has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.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 2024-06-13
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: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/scrub>XXXX XXXX, 2024 {$8500.00} was withdrawn from my savings account without my authorization along with multiple other unauthorized withdrawals. The bank that has my savings account was able to recover the majority of the funds taken except for this amount stated. An investigation was done and the result was that the documentation provided by the " merchant '' claims that the transaction was valid. I did not authorize this " merchant '' to take funds from my savings account. I have since asked for a review and I am still waiting for the result. 

I feel that I am made to prove that I did not authorize this transaction rather than the " Merchant '' prove that I did. This bank has left me hanging and has failed to protect the money that I entrusted to them. I have been a loyal customer for over XXXX  years.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AL)

XX/XX/year> closed all my accounts with USBanks because they claim an ovetdrwn account in which I never received a letter concerning. Time limit 31 days at same time closed my other 3 checking accounts including my savings accounts which were in good standings. Opened at different locations. Also earlier closed a secured bank credit card also because of fraud. I believe it is a inside job ( dummy accounts ) possibly related. 
I previously opened account against this bank # XXXX they placed my account in a fraud mode refused me use of my accounts have been complaining many, many years then they closed them all. Believe accusing me of fraud. 
Please help salvage my accounts.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NJ)

Yes from XX/XX/XXXX up until XXXX my older brother has been stealing my personal information and using it to open up fraudulent accounts. Credit cards, vehicle purchases and taking out personal loans in my name etc. He has finally confessed to me that he was the one responsible for doing this all along. I have filed a police report with the XXXX New Jersey Police Department. It will be included along with my FTC affidavit and also I will be pressing charges on him. He had gained access to my personal information while I was XXXX  from XXXX while living in one of my rental properties looking after our elderly grandmother while I was gone.
Consumer complaint received 2023-10-26
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-06-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

XXXX I was browsing online and decided to apply for an XXXX XXXX XXXX XXXX XXXX, which is run by XXXX XXXX. 

When I went to fill out the application, someone had already filled out the application but with a different address. 

I know who is responsible for this. He had already done this twice before, and as a former in-law, he had access to my SSN, phone number and middle name!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

To whom it may concern I have these closed accounts with the following banks closed accounts. 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. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX  or any other credit reporting agency.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

Hi, Ive been sincerely struggling to have removed, XXXX late payments with my Citi credit card. My household was affected drastically due to XXXX at the time these XXXX late payments were made. I called Citi before the XXXX late payments took place, asking if they offered financial relief due to XXXX, they said yes. They allowed up to XXXX skipped payments without reporting to the credit bureaus. I asked to sign-up and they did over the same phone call. They mentioned I would get a letter in the mail confirming the sign-up, however I never received it. I called them multiple times to inform them I had not received the letter. I verified the mailing address, at that time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Later, I find XXXX XXXX late payments on my credit report. Ive attempted multiple times to dispute these XXXX payments with letters and phone calls directly with Citi. Ive been unsuccessful and these late payments have drastically affected my credit scores. 

The late payment dates are : XX/XX/2020 XX/XX/2020 Im hoping taking this route with the CFPB will help in having these late payments removed. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CO)

I was approved for a new XXXX card through Wells Fargo on XX/XX/year>. Recieved email stating I was approved, my INSTANT limit and my limit once I confirm my card has arrived in the mail. Also in same email, stating I can use instantly by downloading app and using my digital wallet. Following those instructions, I need to call the bank for them to verify its me, in doing so, they tell me I am able to use card until I receive the plastic in the mail. I recieved a false document stating my instant credit limit that I can't use.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My mother recently passed and I am the sole beneficiary on her checking and savings accounts ( Estimated value of $ XXXX ). Bank of America has frozen the accounts due to her death. I called Bank of America on XX/XX/XXXX and the agent on the phone said I needed to visit a local branch to fix the situation. On XX/XX/XXXX, I visited the local branch and provided the branch manager all the requested and required information ( Death certificates, legal ID, etc ). To my complete surprise the branch manager said he couldn't help me and that the centralized group ( somewhere in the XXXX ) would US Postal mail me documents to fill out which in turn I need to complete and US Postal mail or fax back. He said this process will take 30- 90 days to complete because and I quote, " Bank of America is a large bank is things like this take time. '' I am now facing paying my mother 's bills $ XXXX ( funeral, house operating expenses, etc. ) out of pocket for the next 30- 90 days because I can not access the funds which are legally mine. 
I am a XXXX year customer of Bank of America and my mother was a XXXX year customer. I provided all the requested legal documents required to access my funds, but I still can't because of a too big to fail, inefficient organization takes 30- 90 days to transfer funds with in their own organization. This is XXXX, why/ how can any organization afford to be this inefficient and hold customer 's funds XXXX for XXXX 90 days. Also note, while they are holding my money I do not get the benefit of the interest income on the accounts.