davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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. (MO)

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 

The credit bureaus violated my given right under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States have the right to privacy.

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

On XX/XX/XXXX XXXX XXXX sent me {$800.00} on cashapp to send to someone else for business purposes and it did not go the way he wanted it to and try to get the money back but couldn't, mind you I did not cash out that money it was sent to the person they wanted it to be sent to and I have photo proof. The next day he made a dispute on his bank which credited him the money and cash app went and did an investigation. In that investigation cash app withdrew the {$800.00} from my account on XX/XX/XXXX. Privileges this is a they should have took the money from the person that I sent the money to, really I don't know what they should have done but it shouldn't have been taken from my account.
Consumer complaint received 2024-01-01
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. (OH)

I have filed sever disputes with Experian and XXXX who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business.. 
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX. 
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account. 
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal. 
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.
Consumer complaint received 2024-04-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my 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
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

On multiple occasions for multiple years, Wells Fargo would take the highest payment out first causing hundreds and sometimes thousands of dollars in overdraft fees and causing everything to bounce back. Had they taken the smallest payments first, like theyre supposed to, I would have only had a few fees or even as little as just one fee. This caused a chain reaction on multiple occasions leading up to problems with lenders and my credit being affected.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance of Fair Credit Reporting act XXXX XXXX XXXX  # XXXX is in violation of 15 U.S.C. 1681
Consumer complaint received 2024-01-01
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-08-28
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 2024-01-01
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. (NC)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address a concerning issue related to a recent dispute I filed with Experian. I submitted supporting documentation in my initial dispute regarding my XXXX XXXX account, disputing the accuracy of reported information. 

However, upon attempting to initiate a second dispute, I received a response stating, " Looks like you've already filed a dispute for this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we won't process a duplicate dispute unless you provide new, relevant information. '' This response is perplexing, as I have not previously disputed this specific item. Furthermore, the statement fails to acknowledge the supporting documentation submitted in the initial dispute. 

I am filing this complaint to seek a fair and transparent resolution. The generic response from Experian lacks clarity and fails to address the specifics of my dispute. I request a thorough review of my documentation and accurate handling of this matter in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-01-01
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)

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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXXwhether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-01-01
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. (GA)

These creditors has violated my rights ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Friday, XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Late Transactions Reporting on Consumer Report To Whom It May Concern, I am writing to address a matter of concern regarding the reporting of my transactions with your company on my consumer report. The specific account in question pertains to the interactions between the consumer, XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( a ) ( 1 ), the term " consumer report '' does not encompass reports that exclusively contain information related to transactions. As such, my transaction history with your company, involving XXXX XXXX, should be excluded from my consumer report. 



In light of the legal provision mentioned above, I kindly request the immediate removal of this transaction from my consumer report, or alternatively, the removal of the item marked as late. It is essential that my consumer report accurately reflects my financial history in accordance with applicable laws. 



I understand that compliance with the FCRA is imperative, and I trust that you will address this matter with the required diligence and promptness. Your cooperation in resolving this discrepancy is greatly appreciated. 



Please provide a written response to confirm the actions taken to rectify this issue. If any additional information or documentation is needed, please do not hesitate to reach out to me at the address provided above. 



Thank you for your attention to this dispute. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. I have already contacted the XXXX XXXX XXXX and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within XXXX Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2024-05-05
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: SYNCHRONY FINANCIAL (CA)

My partner and I received an email stating we had changed our password for our joint care credit online account. We responded to the email stating we had not changed it. We were directed to a customer service rep. We were notified at that time that the email address had been changed as well. Over the period of a day we noticed multiple charges on our account online. We requested the account to be closed. We were told by the customer service rep that a new card had been issued and opened. We did not request this card but that it had been sent in the mail because we were eligible. My partner and I have never received a new card. We have called many times and spoke to their investigators and customer service. We have been accused of opening the card and using it. We are not sure how the card was activated. We are not sure if it was mailed to our address and stolen or lost in the mail. It has been a year and synchrony bank who holds the debt for CareCredit has done nothing but claim that we made the charges. At this point, they cant even tell us what the new email address is or how the card was activated. The charges are over {$7000.00}. Please let us know if you can help. Thank you.
Consumer complaint received 2024-01-01
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. (MD)

EXPERIAN IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. XXXX XXXX XXXX XXXX XXXXD AND XXXX CREDIT CARD. MY BALANCE FOR THE XXXX XXXX XXXX XXXX XXXX IS {$3.00}, THE BALANCE FOR MY XXXX XXXX XXXX  IS {$3.00}. EXPERIAN IS REPORTING THAT MY CARDS ARE OVER 66 % USAGE. THIS INFORMATION IS INCORRECT AND I AM UPLOADING DOCUMENTS AS PROOF.
Consumer complaint received 2023-08-28
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)

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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