davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (NJ)

I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof.

I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my credit.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC. (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I am writing to formally dispute the accuracy of a debt reported on my credit file, as per my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is referenced by the account number as National Credit Systems Dispute Details : Inaccurate Information : The debt reported does not accurately reflect the details of the account. Specifically, the amount owed and date of account being opened. This inaccurate reporting is in violation of FCRA Section 609 ( 15 U.S.C. 1681g ), which requires that credit reports be complete and accurate.

Missing Verification Information : I have not received sufficient personal information to verify this debt as required by FCRA Section 611 ( 15 U.S.C. 1681i ). Specifically, I have not been provided with adequate documentation or identification details that link me to this account. Under the FCRA, I have the right to request and obtain verification of any disputed information on my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

Subject : Request for Review and Resolution of Unpaid Chargebacks To Whom It May Concern, DATE FILED : XX/XX/year> Re : Bureau Orders Against Goldman Sachs Bank USA and Apple Inc.

I am contacting you regarding a matter involving my previous disputes on my Apple Card credit account. Despite receiving chargebacks from the merchant ( s ) involved, Goldman Sachs has not credited my account with the appropriate amounts.

As indicated in the recent Consumer Financial Protection Bureau ( CFPB ) orders dated XX/XX/year>, against both Goldman Sachs Bank USA and Apple Inc., I am formally requesting a comprehensive review of my account history. Specifically, I ask Goldman Sachs to reconcile all disputed charges and chargebacks to ensure I have been properly credited as required. 

If this review does not result in resolution, I am prepared to escalate this matter by submitting all supporting evidence and correspondence to CFPB, as well as requesting additional consideration for settlement due to the continued lack of resolution. 

Additionally, I am requesting that CFPB send any updates regarding potential settlements related to my case directly to my email. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary action to address these discrepancies. 

Sincerely, XXXX
Consumer complaint received 2024-07-17
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. (IL)

In accordance with the fair credit reporting act convergenXXXX XXXX XXXX XXXX credit card account has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 usc 1666b A creditor may treat a payment on my credit card account under an open end consumer credit plan as for late any purpose.

I called and asked for it to be removed and was told that they no longer can do it and I am responsible to do it myself
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AL)

The National Credit Systems is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. The National Credit system is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from XXXX
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NY)

On XX/XX/year> XXXX was taken out my chime builder account from atm I called chime when I noticed the fraudulent transaction I was told I cant dispute into the transaction is complete I waited than called back to dispute transaction they denied my first dispute an two days I dispute it again because i never went to no ATM so now I been waiting weeks and I need my money back I have bills and chime sent me new card
Consumer complaint received 2024-10-23
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. (GA)

This morning, I was shocked to discover incorrect accounts on my credit report, and I have no clue how or why they appeared. I routinely check my report, but this time, there were suddenly discrepancies that made no sense. I even refreshed the browser to see if it was a temporary glitch, but the problem persisted. The inaccurate information remained. Given this situation, Im requesting that the documents I sent be carefully reviewed to ensure I never have to deal with this stress again.
Consumer complaint received 2024-07-17
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. (DC)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-23
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. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-17
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-23
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. (OH)

There are inaccuracies on my credit report associated with 15 USC 16c-2. The inquiries listed were not authorized by me and are negatively impacting my credit score.
Consumer complaint received 2024-10-23
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/XXXX XXXX  The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, Experian, XXXX XXXXn reporting agency , block/remove 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. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I was contacted today by ID Alert as this new collection account was just put on my credit report!! I have NO IDEA what it is and was never sent a letter of verification or dispute, this bunch of crooks is intentionally just throwing collection accounts on people 's credit reports without verifying them!! I am XXXX XXXX XXXX and have no income or assets and this is elder abuse!!! I am also a prior government employee and want you to enforce the laws and also share this complaint with the XXXX  IL XXXX and other regulators!!! 


Alert Type : Potentially Negative - New Collection Found On : XX/XX/year> A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 
Additional XXXX Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Balance Amount {$93.00} Is CollectionYes Open XXXX Payment StatusUnpaid ( D ) Status XXXX NameXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (MI)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2023-04-12
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-17
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. (CT)

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. 

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 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 2024-10-23
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. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The account was opened on on the bank of america website for new accounts advertises a XXXX dollar credit for new accounts. 

I was provided XXXX of the credit. When calling about it they refused and said it's or checking and savings accounts. When i told her that's not true the story changed and she stated ohh the dates are different. 

When i proved that's also not true the story changed again and was told ohh you offered XXXX and new accounts from XXXX are XXXX. 
When i told her that's not true she said ohh the website is incorrect and it should be XXXX.
Consumer complaint received 2024-10-23
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. (FL)

I am not liable for this debt of this XXXX of {$870.00} with XXXX XXXX XXXX, XXXX XXXX XXXX Account number : XXXX. I dont have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-10-02
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. (GA)

I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files : - **XXXX** : XXXX - **Equifax** : XXXXXXXXXXXXXX**** I have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.