davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (FL)

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this erroneous late payment IMMEDIATELY! 


Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
Consumer complaint received 2024-04-22
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. (WI)

The following companies show an open balance and fraudulent phone numbers to contact on my reports from experian, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
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. (PA)

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. Equifax, XXXX and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.
Consumer complaint received 2024-04-22
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. (TX)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-04-23
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. (OH)

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's my understanding that Experian will investigate this account for me to ensure accuracy. Here 's is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX.
Consumer complaint received 2024-04-23
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. (CA)

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, 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.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit XXXX XXXX XXXX # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card. account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-08-22
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. (TX)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates.
Consumer complaint received 2024-04-22
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. (FL)

I've served a dispute to XXXX XXXX XXXX a debt validation letter ( XXXX XXXXXXXX XXXX XXXX ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Consumer complaint received 2024-04-22
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. (IN)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-04-22
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. (MI)

THIS complaint against Experian regarding their failure to conduct a reasonable investigation into a dispute on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA )., Experian falsely claimed that my dispute was a duplicate and subsequently failed to initiate a reinvestigation. It is important to note that this assertion by Experian is entirely inaccurate, as the dispute in question was distinct from any previous disputes I have filed. Experian 's failure to conduct a proper reinvestigation not only violates the FCRA but also perpetuates inaccuracies on my credit report, which can have serious consequences for my financial well-being. As a consumer, I am deeply concerned about Experian 's lack of compliance with federal regulations and their disregard for the accuracy of consumers ' credit reports. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian fulfills its obligations under the FCRA. Furthermore, I urge the Consumer Financial Protection Bureau to hold Experian accountable for any violations and to take measures to prevent similar incidents from occurring in the future. 

It is imperative that consumers can trust that credit bureaus will handle their disputes with diligence and accuracy. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and uphold consumer rights.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (AZ)

I got a title loan for someone else. He stopped paying on it and now I can not afford to pay on it. I did call and speak to them about it and they refused to come up with a payment plan. In fact they added more interest rate on my loan. It's been almost three years now and they sent me a letter about a judgment. I have no money to pay this all back. I was being harassed for this and I had to change my number also move away. I need help with this and I am tired of getting these letters from this company. On this letter it states I owe {$17000.00} and the car isn't even worth {$1000.00}. They never took the car back for collateral so it just sits parked at my dad 's house. I am very stressed out from this. I am barely making it as it is. This company will haunt you and it's not fair to honest people like me.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a XXXX XXXX & I only work part time as an XXXX  in a XXXX. I owe Approx. {$7000.00} on this debt. It is personally a very big hardship for me to pay this debt off. I started paying {$10.00} a month. I had gotten laid off from a job in XXXX & I was paying {$10.00} a month. I have a very large family filled with neices & nephews & I honestly tried to help them take courses to better themselves. My sister passed away & I assisted to raise her children after she died in front of my neice who was attended school where my sister died. Please kindly give me some guidance if a debt ORIGINALLY DATED XX/XX/2006 VISA still has to be paid. IT IS A PERSONAL BURDEN & A GREAT HARDSHIP FOR ME TO PAY OFF THIS BILL. I AM GRATEFUL FOR YOUR KIND ASSISTANCE WITH THIS REQUEST. MAY GOD BLESS YOU. Please kindly note : I did read the CFPB Website. I AM SO VERY GREATFUL THAT I FOUND CFPB. I have a very strong Faith. I know that XXXX XXXX XXXX XXXX placed a nice kind XXXX on the phone with me this afternoon to kindly assist me with my questions from CFPB since I was overwhelmed with my XXXX XXXX. May God Bless you. THANK YOU FOR YOUR KIND ASSISTANCE. BLESSINGS.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (DE)

Good afternoon I opened a savings account at TD bank and deposited a check for a XXXX dollars. I have all the supporting documents that verify that the XXXX dollars went into the TD account. 

TD closed my bank account and now it doesn't want to return the XXXX dollars. Where do I have proof that the bank has them? 

Thank you very much.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Formal Dispute of Late Payments and Allegations of Extortion and Fraud - Account No : XXXX I am writing to formally dispute the late payments reported on my credit report for the above-referenced account. I believe that the reporting of these late payments is not only inaccurate but constitutes a violation of federal law, amounting to extortion and fraud. Violation of the Fair Credit Billing Act ( FCBA ) Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, creditors are required to send a billing statement for each billing cycle where there is an outstanding balance or a finance charge.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/24 I called Experian to have some of my personal information updated. Specifically, Experian credit report listed old address that are no longer valid or relevant. I ask Experian to delete these outdated address information and they refused which is in violation of the Fair Credit Reporting Act. Then they said they can remove old telephone numbers but not old addresses which does not make sense. I told them they were being selective and arbitrary and in violation of the FCRA.
Consumer complaint received 2024-04-22
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. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (SC)

CEASE AND DESIST UNAUTHORIZED USE OF TRADEMARK SN : XXXX & XXXX. UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Consumer complaint received 2023-09-16
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC. (NV)

I wish to formally address an ongoing concern regarding unauthorized transactions on my XXXX card, established through my employer with Optum Bank. Please refer to the attached " XXXX XXXX XXXX '' for a detailed breakdown of all account activities. 

From XX/XX/XXXX through XX/XX/XXXX, numerous transactions amounting to over {$6000.00} including ATM withdrawals, charges from XXXX, XXXX, XXXX, and others were executed without my consent. Actually, all the withdrawals and charges in that period were not authorized by me. It is strange to think that someone would use an XXXX card for such expenses. 

By XX/XX/XXXX, I became aware of these unauthorized activities a realization that came very late, for reasons I'll detail below. Consequently, I promptly disputed all these charges with the bank. I also immediately initiated an " Account transfer '', moving the funds to XXXX, to protect the remaining balance. The account transfer arrived at XXXX on XX/XX/XXXX, and was recorded as XXXX separate account transfers on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a refund of approximately {$2900.00} via the " visa/mastercard debit card credit '' process. However, a significant amount is still in dispute. 

After that, I didn't get any refunds from them. I also observed refunds labeled " visa/mastercard debit card credit '' but were subsequently debited back using the " XXXX liability process ''. This action was taken without providing any clear explanation, which I find concerning. 

I'd also like to point out that I believe Optum Bank should take full responsibility in this matter. I was locked out of my online account until XX/XX/XXXX, hindering my ability to monitor my account for over a year. Despite my attempts to reach out, my concerns remained unaddressed until XX/XX/XXXX. For instance, I was once redirected by a customer service representative to a phone number of another department who supposedly managed my account ; however, they never answered the phone call. On another occasion, the customer service told me they would perform an investigation and I was assured a call-back after investigation, but that call never came through. Additionally, they didn't send any paper statements during that time, which compounded my challenges, leaving me uninformed about the unauthorized transactions. 

This situation makes me question Optum Bank 's commitment to ensuring customer security and awareness. Had I been granted access or received regular paper statements, I would've been alert to these unauthorized transactions sooner. 

For your reference, I've also attached " optum mails.pdf '' which contains correspondence from the bank regarding decisions on some charges. However, it's important to note that these mails don't encompass all the disputed transactions.