davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-22
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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
Consumer complaint received 2024-09-28
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA allowed XXXX XXXX XXXX to take money intended for me as explained herein. As detailed by the CPA, CFE ( certified fraud investigator ) in an affidavit attached, this is absolutely FRAUD ; USAA has chosen to be complicit in enabling XXXX to commit this crime completely unscathed. He and I owned the home at XXXX XXXX XXXX XXXX XXXX XXXX  together at the time of its inexplicable destruction in XX/XX/XXXX and until XX/XX/XXXX. ( Inexplicable because it never had a criminal investigation though USAA allowed the dishonest report in its file stating that a 'police report was done ' or words to that effect ; USAA is aware that a report was never done ). Please note that my former name was XXXX XXXX XXXX ( dob XXXX ). Within minutes of the fire, XXXX began taking monies on my behalf and USAA allowed them to do so, repeatedly. They would not report this to facilitate a criminal investigation, though clearly, I was a LEGAL OWNER of the property at the time of its destruction and clearly the payments were intended to go to XXXX AND ME as shown below : On page XX/XX/XXXX, conversation # XXXX on Sunday, XX/XX/XXXX, at XXXX XXXX ( less than one hour after the uninvestigated fire ), XXXX XXXX stated his USAA CLASSIC CHECKING account that ends in XXXX, belonging to him ( and not me ) XXXX as the receiving account for the EFTs. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX FOR {$5000.00}. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX for {$10000.00}. 
Conversation # XXXX on page XX/XX/XXXX shows XXXX payment to XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX for {$120000.00}. 
Collectively, this represents {$130000.00} in electronic funds THEFT that was addressed to and intended for me. 
There is also evidence that XXXX received the check for {$360000.00} also intended for the two of us, which he attempted to cash on my behalf. I only became aware of this via the results of this family court subpoena.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint to CFPB Regarding Experian 's Refusal to Correct Inaccurate Address Information Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file a formal complaint against Experian for their failure to correct inaccurate address information on my credit report. Despite providing extensive evidence to support my claim, Experian has refused to remove the following outdated addresses from my credit report : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX I wish to reiterate that I have never lived at, conducted business from, or had any association with these addresses. My current and accurate residential address is : XXXX XXXX XXXX, XXXX XXXX, Florida XXXX Both XXXX and XXXX have appropriately updated my address information in line with my current residence. To substantiate my dispute and facilitate the correction process, I have enclosed copies of my utility bill and driver 's license as proof of my current address. 

Experian 's refusal to correct this misinformation is not only a violation of the Fair Credit Reporting Act but also undermines the accuracy and reliability of my credit report. Furthermore, I have been unjustly restricted from disputing this personal information through Experian 's customer portal.

I urge your agency to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly by using the appropriate Credit Fair Reporting Act codes. It is imperative that my credit report accurately reflects my current address to prevent any further discrepancies in my financial transactions.

Thank you for your attention to this matter, and I look forward to a swift resolution to ensure the accuracy of my credit report.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WESBANCO BANK, INC. (MD)

back XX/XX/2023 branch manager for WesBanco XXXXXXXX have ask me out for a date night when I turn her down she start to make my daily banking transaction a nightmare refusing to cash an employee payroll check while funds were available in my account when the employee when to another branch the check was cash. On Monday XX/XX/2023, when I was trying to withdraw cash in a different branch in order to buy products from my restaurant Iwas informed that my accounts were closed. I have never received any notifications informed me with such actions. Now WesBanco is with holding my funds. after talking to the district manager, she cited my account was close for been overdraft. I have trying to explain to her that this was a retaliation from XXXX that fact that I have refuse to go out with her on a date. I was XXXX harassed and I was discriminated as well.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have disputed multiple inaccuracies on my consumer report which have not been verified by said company, no proof has been shown. I have written many disputes without the agency giving me my right to have the process in which the company verified the debt. 
I have recently received a copy of my consumer report, and I noticed some late payments and false/unverified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in clear violation of the law Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 Unless you can show proof with my signature with written instructions of this, I am demanding these late payments be removed. 

I have no signed contract with XXXX loan services. Unless a signed agreement/contract between me and XXXX can be furnished, I demand the account be removed.

Furthermore, the FCRA 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 : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Again, delete the late payments associated with the accounts above that your agency is reporting illegal information on my behalf. 

Reminder, are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
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)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Request for Removal of Inaccurate Credit Information To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Consumer complaint received 2023-09-26
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-09-28
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXXXX/XX/XXXX A+ 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
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AZ)

I purchased tires on a " 12 months same as cash '' deal. The purchase price was {$2000.00} and the full payment was due on XX/XX/year>. I made monthly payments on this balance. Later I made another purchase. This one was {$370.00} on a " 6 month same as cash '' deal that expired on XX/XX/year>. On XX/XX/year> I went to my credit union and had them call the credit card to get the payoff amount on the 12 month purchase balance. My credit union then electronically transferred the payoff amount of {$500.00} from my account to the credit card. The credit card received the amount in time but did not apply that amount to the " 12 months same as cash '' balance and instead applied a small amount of the payment to the " 6 months same as cash '' balance. Thus the " 12 months same as cash '' balance was not paid off by the deadline and the interest that had accrued in the amount of {$540.00} was added to my balance. I attempted to dispute the interest charge and to explain their error, but they have refused to budge. I disputed the charge by letters dated XX/XX/year> and XX/XX/year>. I have paid the disputed amount, but would like it to be refunded to me.
Consumer complaint received 2024-10-22
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. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened with XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ), an auto loan opened with XXXX XXXX on XX/XX/XXXX account number XXXX, an auto loan opened with XXXX XXXX  on XX/XX/XXXX account number XXXX, a collection account with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Account Number XXXX, a collection account with XXXXXXXX XXXX on XX/XX/XXXX Account Number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX ) ( XXXX ) and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-27
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. (MI)

Under FCRA Section 609 ( a ) ( 2 ) Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I Have Filed A FTC Report For The Following UNAUTHORIZED INQUIRIES!!

Please DELETE Immediately! 

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
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (NC)

To Whom It May Concern, I am writing to demand immediate action concerning a XXXX XXXX on my record that is unfairly affecting my ability to work and support myself. The XXXX in question is not a XXXX XXXX and does not reflect any illegal or unethical behavior. It is imperative that this matter be resolved promptly, as it is hindering my livelihood and professional standing. 

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 Under XXXX XXXX : The North Carolina General Statutes ensure that all individuals are presumed innocent until proven guilty. XXXX XXXX XXXX  against me should not be treated as a XXXX and, as such, should not influence any professional or personal decisions, including those related to employment. 

2. **United States Code, Title 42, 1983** : Under federal law, I have the right to seek redress for any deprivation of my rights, privileges, or immunities secured by the Constitution and laws. Denying me the opportunity to work based on a pending and unadjudicated infraction constitutes a violation of my right to due process and equal protection. 

3. **Fair Credit Reporting Act ( 15 U.S.C . 1681b ) ** : The FCRA restricts the use of consumer reports for adverse employment decisions. This pending charge does not meet the criteria for consideration under the FCRA, as it does not relate to job performance, safety, or reliability. 

4. **XXXX XXXX XXXX  XXXX : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, using this XXXX  as grounds for employment disruption is legally and ethically unsound. 

# # # **Impact on My Livelihood : ** This baseless and XXXX XXXX is directly affecting my ability to work and generate income. By treating a XXXX XXXX as a barrier to employment, my rights are being violated under both state and federal law. I demand immediate removal or reclassification of this XXXX so it no longer interferes with my employment opportunities. 

**Request for Immediate Action : ** I urge you to clear or dismiss this XXXX XXXX from my record immediately. Any further delay will result in significant hardship, and I will explore legal remedies if necessary, including filing a claim under Title 42, 1983 for deprivation of rights and seeking damages for the loss of income. 

I expect this matter to be resolved swiftly and look forward to a prompt response. 

Sincerely, XXXX XXXX XXXX