davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OR)

In early XXXX I deposited approximately {$13000.00} into my personal checking account. This account is with Key Bank in XXXX Oregon. The last4 digits of the account are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was missing from the account. I went to the bank and they suggested that I open another checking account. I complied. Both accounts are still active. I was reimbursed by mail approximately {$620.00}. I returned to the bank and was told that although I hadn '' t written appropriate checks or made large ATM withdrawals I would not be reimbursed the {$10000.00}. no explanation was given. I contacted the FDIC 2 months ago and called them again today XX/XX/XXXX. They suggested the CFPB webpage to file this complaint. I write this complaint with the hope you can assist. I would like to be reimbursed for the {$10000.00}. I have been a customer of Key Bank for over 10 years. The account number for the account that was hacked ends with XXXX. The new checking account end with XXXX. Please advise. Thank you.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXXXXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX  has consistently failed to provide the necessary documentation proving ownership of the debt in question. Instead, they have only responded with billing statements and a bill of sale, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) debt collectors must provide adequate validation of a debt upon request, which includes proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not prove that the debt collector has the right to collect the debt. Furthermore, providing a bill of sale is not proof of ownership ; it simply confirms that the debt was purchased, but it does not demonstrate that the purchaser has legal authority to collect the debt. 

Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation, the continued reporting of this account on my credit report is a violation of federal law. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and promptly remove any and all references to XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NM)

During the Pass 2 Years more or less, I have received Mail from different Collections agency 's at my home right after I place my complains with evidence, Some of this Collection Agency 's have drop there case and close do to the Evidence provided from XXXX XXXX, I posses issue back on, Tuesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has been provided to cfpb and collection agency 's. 

A new collection agency seem recently to take over same issue, were I have place my complain before. I'm tired of this harassment 's by XXXX XXXX, ONE THINHG HAVE NOTICE AND IS A the difference between this company and other this company did not provide any federal regulation information on back of the letter wich is required by law, just like the law states, in case for me to place a complain, but I know the law and my consumer right, see letter front and back provided by this company call SYSTEM, Including envelope were it was deliver to my house. 

I have provided to XXXX XXXX in the pass all evidence and police Report of a identity Theft including police report. 

I can't stretch this any more therefore, I ask the FTC, and the CFPB to please do not discard this letter or place back burner. 

I understand my consumer rights, and if this don't stop here, I will like the FTC to take over this case, from Know on. 

Please note all cases by Previous agency 's been close and How XXXX XXXX continue to Harassment.

False Statements are not right is why some of this company 's have drop there cases please note original complain back XXXX XXXX, XXXX this must stop by XXXX XXXX XXXX, please see documents provided on this complain. 



( Fair Debt Collection Practices Act Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), Please stop the Harassment.
Consumer complaint received 2024-09-08
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. (NJ)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Hello, my Citi bank account was emptied out by fraud and i opened a dispute claim with the bank and they denied my claim saying that our review, which determined the disputed transactions were not fraudulent and you benefited from the transactions. I think this is a discrimination against Armenians because they already got sued for that, I am attaching the denied letter and all the transactions that were done by fraud.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-29
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX {$14000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX XXXX XXXX CERTIFIED - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX Experian, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX Credit XXXX Processing XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-08
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. (LA)

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 XXXX XXXX Account Number : XXXX and 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 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-09-08
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 have sent in letters asking for a Proper reinvestigation, from previously disputed letters earlier asking for a proper debt validation and verification letter and they have only sent back a credit report stating that the debt has been verified and updated. 
This Dispute is against XXXX XXXX XXXX XXXX  Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by Equifax, XXXX, and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2024-10-29
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-29
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 2024-09-08
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. (IN)

I submitted identity theft police report like reporting company told me due to identity theft and they said they would remove accounts but they didn't and it's years later still NO UPDATE to file they just kept telling me I need new police report! I didn't inner stand why I needed a new one and they never explained why. I call to verify why they haven't removed items and they told me I need to get an UPDATED POLICE REPORT, FTC REPORT, CFPB REPORT in order for them to remove items.
Consumer complaint received 2024-09-08
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. (IL)

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), it 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 intormation 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