davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : 1. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
2. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
3. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
4. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ).

5. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A 1099-C can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

This is a second complaint to the previous CFPB Complaint I filed on XX/XX/ ( Complaint XXXX ), stemming from issues going back to XX/XX/2023. I previously reported that I was the victim of fraud, where someone had stolen my physical credit card, and left a very obvious trail of fraud charges on XXXX XXXX, a service I have never, ever used as a adult ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The thief that stole my card left a very obvious paper trail : its linked to their XXXX account, and added the card to their XXXX XXXX XXXX, which should give Citi more than enough information to determine who the thief is and what their contact information is. However, Citi has done NOTHING. 

To the contrary, Citi by its own omission in the response to my previous complaint, cant figure out how to report this issue as fraud without sending me a new card, which I cant receive, because I am traveling. So instead of addressing the issue, they sent a form letter to my previous complaint, and have let the issue linger, and now have the AUDACITY to report that my account is past due, putting a giant blemish on my perfect credit. Instead, they have completely locked me out of my account, so I am unable to even pay the fraudulent charges to avoid late charges. I am blocked from accessing my account online AT ALL and the CSRs that answer the phone will not assist me. 

I want this issue that has been going on for MONTHS resolved, the information regarding the fraudulent charges reported to the appropriate authorities, and all negative credit reporting removed IMMEDIATELY. It is astonishing that a company of this size is allowed to get away with this type of treatment of its customers. They clearly do not take the oversight of the CPFB seriously.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024 i sent in my Dispute to Experian using USPS certified mail XXXX. I requested that Experian provide proof of investigation and proof of negative payment status for the following accounts showing on my credit report : XXXX XXXX  Flexible spending credit card with account # XXXX XXXX XXXX XXXX XXXX with account XXXX XXXX XXXX Charge account with account # XXXX Experian responded that accounts were updated but all information remains the same on my credit report. Experian also DID NOT provide proof of investigation and proof of negative payment status for the following accounts listed above. I request that these accounts be removed from my account immediately The FCRA requires credit reporting agencies to report accurate and complete information. Under the FCRA, these agencies and the entities that provide them with credit information ( like lenders ) are responsible for correcting inaccurate or incomplete information in your report ( 15 U.S.C. 1681e ( b ) ).

If a consumer disputes the accuracy of information in their credit report, the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate ( 15 U.S.C. 1681i ( a ) ). If the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

Entities that provide information to credit reporting agencies ( furnishers ) must also ensure the accuracy of the information they supply. If a consumer disputes the accuracy of this information, furnishers are required to investigate the dispute and correct any inaccuracies ( 15 U.S.C. 1681s-2 ).
Consumer complaint received 2024-02-06
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)

This totally negligent crooked fraudulent company has now notified me again for the XXXX time they have UPDATED MY MIDDLE NAME, WHAT XXXX FOR XXXX  YEARS I BEEN COMPLAINING ABOUT YOU STEALING XXXX  MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK and all you can fix is my middle name XXXX TIMES AND YOU WONDER WHY THE F.T.C. AND D.O.J. WANT COPIES OF THESE COMPLAINTS AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
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. (FL)

In accordance with the Fair Reporting act 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 an account without my written instructions.
Consumer complaint received 2024-06-22
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. (GA)

This is a second notice to XXXX experian, XXXX and XXXX That are Fraudulently Holding non public Accounts on my credit Report without ever disclosing the opt of transaction history and experiences Being reported on my report is excluded from a consumer report Accounts like XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is a medical collection and Fraudulently reported as medical information is prohibited from reporting on your consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX All accounts above are by law illegal via 15 us code 1681a ( i ) as they they report my transaction history and experiences with creditors I have opted out of XXXX, XXXX  and experian  From Disclosing and sharing my non public information on my consumer report And if these fraudulent acts keep up I will put XXXX  under a default judgement And escalate case to to arbitration
Consumer complaint received 2024-06-04
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-25
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-02-03
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. (SC)

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (VA)

Opened Chase United Airlines Credit Card online responding to an offer for XXXX United points. 
Got card in mail, but it had my nickname on my card instead of my legal name, and the United membership number was also wrong.

It will not allow me to create an online account because of the name problem. NO idea where it got this nickname from. 
Called and they said to change my name to the correct name, even though it was their error, I had to go into a Chase branch. I did just that, and they told me I had to call the number I already called and have a form mailed. I waited for two weeks before I got this form, and they wanted me to use regular mail service to send the form, which contained my account number, all my personal information, and my social security number. I spent {$40.00} to have it overnighted to them. Never heard back, and nothing has been fixed. Then a week ago, the branch asked the escalation department to call me. I spoke with someone who said they would fix everything. Now, 5 weeks later, nothing has been fixed, I probably owe money but have no way to access the account or make a payment, and they probably send my bonus points to an incorrect United account. Nobody has called me, emailed me, mailed me a letter, or fixed the account, so I have ZERO access to my account, and I am sure they will charge me a late fee, but I don't have any way to access the account.
Consumer complaint received 2024-06-04
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
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. (OK)

Greetings!! it has came to my knowledge that my credit report has been inappropriately used or reported because there are some account on my credit report that i do not know anything about nor benefit from those account this must be due to some breaches.reporting inaccurate account on my credit report violate my consumer rights and I have contacted the parties involved to make sure that all the account listed that i do not authorized should be removed and deleted with immediate effect. 


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 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was appointed by Court as executor for the estate my brother who died on XX/XX/XXXX of XXXX. He had been ill with XXXX XXXX XXXX and progressively unable to care for himself in the years leading up to his death and we are now aware that fraudulent activity occurred in his financial matters as he was susceptible to home health caretakers and an acquaintance in his home who obtained access to his accounts. My brother had illegible handwriting for many months prior to his death. He had a checking account with Bank of America. After obtaining access to his records, I realized that bank account had a withdrawal of {$4300.00} the day prior to his death ( on XX/XX/XXXX ) leaving about {$14.00} left in the account. At that time, my brother was bedbound, unable to sign his name, write legibly, and barely able to speak. Later, as executor of his estate, I obtained the statement which shows the written check. The check is not written by him and the signature is forged. I have notified Bank of America of this fraudulent activity over the phone. After several contacts they finally gave me a " fraud department '' contact that I could only communicate with by letter XXXX Bank of America, XXXX, XXXX XXXX XXXX, XXXX TX XXXX ). I wrote them on XX/XX/XXXX of XXXX detailing this particular situation in detail and gave them letters of authority as executor of estate and other identifying information. I again notified them of the fraudulent activity in the letter and asked them to provide a copy of transactions, deposits, debits, and checks written on this account as well as his balances from XXXX of XXXX to present given there my concern for repeated fraud since others had obtained access to this account and I need to see what purchases were made. They have not responded to the letter or given any additional information to me.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I had a bank account with US Bank for many years. I closed this account early 2019 with a XXXX balance after a dispute with US Bank and a fraudulent purchase on my account with XXXX XXXX ( I filed the dispute with them and had it removed ). I only had my checking account with US Bank with a debit card. Now, years later they are telling me that I had a credit card with them ( NEVER HAD ONE ) and have a collection account with them over {$2500.00}. I have called them repetitively and explained to them that I never had a credit card and closed my account with a XXXX balance ( the bank account with the debit card ). I have spent XXXX 's of hours on the phone telling them my old bank account number and now it's mysteriously disappeared from their records. I know US Bank has had major lawsuits from illegally opening certain accounts in peoples names that had other accounts with them. They refuse to send me the documentation showing that I opened a credit card ( only stating I made purchases and owe over {$2500.00} ) I told them any purchases were made from a debit card with the associated checking account I had and I closed my account with a XXXX balance. They refuse to help me and are submitting fraudulent information to the credit reporting agencies stating I owe a lot in collections from credit cards. For documentation my bank account with them was XXXX. Recovery department refuses to give me copies of my bank statements. I am going into a US BANK branch today to demand copies of my statements which I can then upload for review.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting an incorrect address in despite of me mailing multiple letters to them with my correct name and address. They have failed to remove XXXX XXXX XXXX XXXX from my file. I do not live at that address.