davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (IA)

XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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 ) ( 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 2024-07-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter in the mail from Bank of America prepaid EDD card stating that I had to call the service center to request my available balance remaining in my account the closed out and sent to me via check I spoke to the representatives over the phone with Bank of America I waited on the phone for over 2 hours for them to verify my identity and they still ask me to go down to the bank with two forms of ID which I have already done previously all I needed to do was call in to get my account closed my card has been locked since 2021 and I have not been able to access any funds I am an elder man in poor declining health I feel like they are trying to withhold my funds so I never received them before I pass away thank you for any help that you guys can provide
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-02
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX, reported me XXXX delinquent and I am not delinquent. I made my payment on time, and the company returned the payment. I have an excellent payment history and never missed a payment. The bureau shows i paid XXXX XXXX, and XXXX is showing XXXX  days late while we are STILL IN XXXX! I resubmitted the payment on XXXX XXXX. Receipt number # XXXX for {$180.00}. I have attached copies of bureau as well. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


Account no. : XXXX
Consumer complaint received 2024-04-30
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. (PA)

I believe FCRA XXXX requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (NY)

The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX  XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-04-30
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. (DC)

The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report immediately.
Consumer complaint received 2024-04-30
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. (WA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called experian on Wednesday, XX/XX/2023, on or around XXXXXXXX XXXX XXXX. I got to a XXXX XXXX XXXX agent in the general dispute department. After the first minute of speaking with her, her phone made static noise and I was unable to hear the agent. It sounded like a technical issue on XXXX side. This has happened too many times in the past and has been an ongoing problem far too long. This never happens with XXXX or XXXX. Experian is the repeat offender. This is also a form of call-avoidance and is prohibiting consumers from filing a dispute regarding inaccurate credit reporting over the phone. I have the phone call recorded for proof.
Consumer complaint received 2024-04-30
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. (NV)

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

Good Afternoon I am submitting a complaint against CitiBank and XXXXXXXX XXXX XXXX 

I had placed an order with XXXX XXXXXXXX XXXX  and the company was non responsive with the order processing, I sent a cancellation request to the company and order the pergola curtains with XXXX. The package from XXXX arrived, however a second package arrived and unbeknownst to me was placed in my garage. I received an email from a XXXX XXXX XXXX informing me that the goods were sent. I then searched my house and discovered it was placed in the garage. As per XXXX XXXX instructions the goods were returned via XXXX on XX/XX/2023 to an address he provided via email. I put in a dispute request for a refund with Citibank before the money was released and Citibank refuses to refund my $ XXXX goods that were returned to XXXX XXXXXXXX XXXX 
Citibank reason for not refunding me my money, the company stated I never cancelled the order but the company has the goods. 

Your assistance will be greatly appreciated.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXXXXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$55.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$140.00} XXXX  XXXX XXXX XXXX Owed {$260.00} XXXX XXXX XXXX XXXX Owed {$19000.00} XXXX XXXX XXXX XXXX Owed {$450.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX  XXXX XXXX XXXX Owed {$300.00} XXXX  XXXX XXXX Balance Owed {$170.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX XXXX Owed {$61.00} XXXX XXXXXXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX XXXXXXXX XXXX XXXX Owed {$180.00} XXXX XXXXXXXX XXXX XXXX Owed {$230.00} XXXX XXXXXXXX XXXX Balance Owed {$230.00} XXXX XXXXXXXX XXXX XXXX Owed {$250.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$69.00} XXXX XXXXXXXX XXXX XXXX Owed {$240.00} XXXX XXXXXXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX Owed {$270.00} AFFIRM XXXX XXXX Balance Owed {$530.00} XXXX XXXX XXXX XXXX Owed {$130.00} XXXX XXXX XXXX XXXX Owed {$83.00} XXXX XXXX XXXX Balance Owed {$160.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00} XXXX XXXX XXXX XXXX Owed {$170.00} XXXX XXXXXXXX XXXX XXXX Owed {$34000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX XXXXXXXX XXXX XXXX Owed {$12000.00} XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance Owed {$12000.00} XXXX XXXXXXXX XXXX XXXX Owed {$19000.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$34000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance Owed {$170.00} XXXX  XXXX Balance Owed {$630.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Per Capital One my checking account was compromised. The account was unable to be used on XX/XX/year>. They allowed me to take funds out while I was on the phone with them then. I explained to them that I would be getting a direct deposit on Saturday. They told me I could call about it. At that point they locked me out of the capital one app so I could see nothing. On Saturday I was allowed to get back into the app. My XXXX deposit did not show up until Monday morning when I received an email telling me it was there. Within an hour it was gone ( withdrawn ) from the original account and I have no idea where it went. After call the fraud department again they said it was transferred to a new account of which I have no numbers for or anything about it. And I am told today it could take XXXX days for this account to be ready. I want my money from them. I feel they stole my money when I have no access to it. They told me to go to a branch office but there is none anywhere near where I live. I want my money. It is not theres to keep from me. I do have the email saying it was deposited.
Consumer complaint received 2024-04-30
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-30
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. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.