davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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)

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Consumer complaint received 2016-12-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The following quote was posted on XXXX which is virtually identical to what happened to me in XXXX. BOA also reported this credit card in XXXX as if it was the creditor to four credit reporting agencies. It was not the creditor in XXXX when I paid it off and closed it. See other CFPB complaints by me since XX/XX/XXXX, for details of my experience. Given the XXXX mass fraud scheme that mimics this behavior in my case and XXXX case, there should be an investigation industry-wide. Examining customers ' credit reports may reveal what the banks may try to cover up - as in my case. BOA told me they would mail me XXXX statements - which should reflect the monthly payments - but did not. Acquisitions and reporting are two entirely different things. Acquiring an account that is closed ca n't be listed as accounts receivable with XXXX consecutive payments in a row in XXXX, without some intent to deceive. Here is the quoted post : " ... Share on Facebook ( Opens in new window ) Click to share on Twitter ( Opens in new window ) Click to share on LinkedIn ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing 'eternal return, ' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : IShare on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Bank of America , your accounts are XXXX . As in, undergoing " eternal return, '' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : I recently moved to a new home and called Bank of America to notify them of the new address. A few weeks ago, I received a " replacement '' BoA credit card. This confused me greatly, because the only account I have with them is my checking account! On top of that, the card said I was a member since XXXX. That was my first year of college, I only had one card back then, and I was so annoyed by that company ( which was not BoA ), I canceled the card after only a few months. 

Once I finally got in touch with someone useful, we worked out that somewhere in the course of various bank acquisitions, they ended up owning my closed account. So for my convenience, they were kind enough to reopen my closed account. I immediately had them close the account, but I really did not like this experience. The credit account had been closed for almost 10 years, and they reopened it without any direct involvement from me ... '' I think the weblink is supposed to be " consumerist. ''
Consumer complaint received 2024-10-01
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. (SC)

" 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (FL)

On XX/XX/year>, I was at XXXXXXXX XXXX  # XXXX it was around XXXX XXXX, and was taking out {$300.00} from an XXXX atm machine. I was checking my balance and the atm machine retracted my {$300.00} back into the machine. So i had no way of grabbing my money. I've filed a complaint with my bank and they said it's nothing they can do and to contact the XXXX atm customer service. I then contacted XXXX on XX/XX/year>, it is now XX/XX/XXXX, and i've gotten no response whatsoever or update about my claim. I gave them all the information they asked from me including the Terminal ID that was on the atm receipt which is XXXX, and the bank i use is Chime. How is it that they are quick to take the money back from the ATM yet aren't giving me any update about my MONEY? i've tried calling multiple times to get an update of some sort and ive gotten no response. Please help!! They took {$300.00} of mine and does not want to give it back. 
My name is XXXX XXXX, my phone number is XXXX email address is XXXX XXXX
Consumer complaint received 2024-10-01
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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: Experian Information Solutions Inc. (MD)

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 2024-10-28
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
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. (TX)

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. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I asked each company can they send the original documentation of myself giving authorization for them to have my information. I asked for this information a few times, I don't recall actual dates. I recently asked about a week ago and never received any information as of yet. This is my last resort to try and get something done or some help. I'm hoping I can get some much needed information to help me with long process. Thank you.
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-10-22
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (VA)

Direct Express has made my life XXXX  They ruined my life. They're the worst company ever. They lie and steal. They are holding my money and refuse to release the hold or send me a new card. I'm homeless living on the streets because of them. They're rude and hateful and nasty. They're very unhelpful. They tell me I need to send in my ID, SScard, and birth certificate so I did... like 6 times and it just wasn't enough. They rudely say it's not enough. This was 3 months ago. I've been homeless sleeping under a bridge ever since. DE is a heartless company. They're causing people to be thrown out on the streets. It's too late for me to get help. I can't afford it anyway. I just wanted to let everyone know how horrible DE is. They will rob you blind. They hardly ever answer the phone and IF they do, you're met with hateful people who don't know what they're doing. They're always in a rush to get off the phone. They hang up in middle of mid sentence. Thanks to DE, I spend my nights in the woods and sometimes in alleys or under a bridge. It's getting colder out. I'll never get another place to live because DE won't release my funds. They've stolen millions of dollars from the customers. These are XXXX people and the elderly. I've read so many horror stories about how bad DE is. As I said before, I'm not looking to get help at this point. I just wanted to let everyone know what DE has been doing for years. One of these days, if they haven't already, they're going to cause someone to die. Please put a stop to this. DE needs to be shut down forever.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (FL)

My name is XXXX XXXX. In XX/XX/XXXX, I was served a document regarding a credit card, which I did not recognize. I contacted the bank listed on the paperwork to inquire, and they informed me that a credit card had been opened in my name, maxed out, and sent to collections. I reached out to the collection agency to dispute this because Im a victim of identity theft. They told me the case had already been forwarded to Mandarich Law Group. I then contacted Mandarich Law Group and explained my situation, and they instructed me to complete an affidavit of identity theft and submit supporting documents. I did so, paying for the mailing, but after following up, they told me the documents I sent were insufficient. I asked what additional information was needed to resolve this and was told I would need to file a police report. This is why the police report is dated in XXXX XXXXsince thats when they told me to do it. 

When I appeared in court on XX/XX/XXXX, the judge asked if I was aware of the credit card account, and I told her no. She also asked if I had received any bank or credit card statements for this account, and I explained I hadnt because Im a victim of identity theft. The judge instructed me to gather witnesses and further documents.

Now, Im preparing for the trial on XX/XX/XXXX, where Ill be representing myself, and I need guidance on how to support my case. I want to know what documents will help me dispute this claim and how I can prove my innocence. Additionally, I would like information on filing a motion to dismisswhether its a letter or something I say in court. I should also mention that back in XXXX, I saw this credit card on my credit report and disputed it with XXXX. At the time, the collection agency was listed under a different name, XXXX, before it was sold to XXXX XXXX, which is now involved in the case.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My Citibank account was locked XXXX XXXX for no reason and I am not able to withdraw my {$880.00} that's in my account. I was never sent any documents with my account number and I don't know my security word in order to get through and have the bank reset my account or get temporary access to my account!!! Please will you help me get my money out from the Citibank account!!!!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC (NJ)

WESTLAKE Financial is reporting a closed and written off account to all XXXX credit Bureaus. Account closed XX/XX/year> *** The statute of limitations for a financial institution to file a Form 1099-C, which reports cancellation of debt, is generally set by the IRS guidelines XXXX Financial institutions must file the form by XX/XX/XXXX of the year following the cancellation of debt. 

No 1099C as been submitted to me and westkale financial is attempting to collect funds on a reportly closed and charged off account Fair Credit Reporting Act ( FCRA ) - **15 U.S.C. 1681s-2 ( a ) ** : Requires that information provided to credit reporting agencies be accurate. Reporting a debt as both closed and written off while attempting to collect may be considered misleading.

- **15 U.S.C. 1681i** : Provides consumers the right to dispute inaccuracies in their credit reports, emphasizing the importance of accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) - **15 U.S.C. 1692e** : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of a debt.

- **15 U.S.C. 1692f** : Prohibits unfair or unconscionable means to collect or attempt to collect any debt.