davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXX XXXX  XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to XXXX XXXX XXXX : XXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.
Consumer complaint received 2024-05-17
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-08-26
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. (MI)

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

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXXXXXX XXXX XXXXXXXX XXXX 15 U.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.

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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$540.00}.
Consumer complaint received 2024-05-17
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. (NY)

The accounts listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX 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 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CT)

There was a recent job scam I had been a victim of which involved two checks ( that are fraudulent ) being deposited through the Charles Schwab mobile app. 
I was given these checks by the scammers pretending to be employees at a real company, so that I could " purchase '' my work equipment for my at-home office for this new job opportunity. Upon depositing via the Charles Schwab mobile deposit app feature, funds became available at the max threshold of the $ XXXX at a time, and over a span of three days, those amounts ( {$9800.00} to be exact ) were used to transfer funds for purposes of " purchasing work equipment '' from the respective " vendors. '' It was only once I realized on XXXX, XX/XX/23, that I had been deceived, I was able to report this information to Charles Schwab regarding the fraudulent activity on my bank account. After opening up those disputes, were the checks ( $ XXXX and $ XXXX ) returned by the bank. 
If this had not been the case, Charles Schwab bank seems to have no way of knowing/ detecting this otherwise ( that the checks were fake ). And now I am currently sitting at a loss of nearly $ XXXX from that money from fraudulent checks lost in transfers via XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and others. 
Please look into these XXXX checks with the respective banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and routing + account numbers on the checks themselves - you can find them in the zip file folder attachment below. 
XXXX dispute cases that have been opened up in my name ( XXXX XXXX ) : XXXX. Schwab Dispute Case # XXXX XXXX. Schwab Dispute Case # XXXX
Consumer complaint received 2023-07-06
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

CFPB Complaint against Credit Reporting Agencies XXXX ( separate complaint filed w/all XXXX bureaus : Experian, XXXX, and XXXX ) XXXX What happened : I have Identified XXXX Fraudulent Charge Offs and Collection accounts on my XXXX XXXX XXXX report Consumer Name : XXXX XXXX XXXX XXXX Consumer XXXX XXXX Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX of XXXX account number XXXX, XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into XXXXXXXX XXXXs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Consumer complaint received 2024-06-17
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NM)

Hi there - I have XXXX fraudulent charges via XXXX on my AMEX gift card, which basically drained the card of the entire balance of $ XXXX. I did not lose the card, nor was it stolen. 

See screenshot for fraudulent charges. 

The numbers were hacked, perhaps from the company I first used the card at, XXXX Catalog. 

I contacted AMEX and they said they could do nothing due to the 120 day fraud reporting window. But honestly, had I seen these charges when they happened, I would have reported them immediately, but as mentioned, this card just stayed in my drawer, out of sight. 

I hope you can help. 

Thanks!
Consumer complaint received 2024-06-17
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-17
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. (NY)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-17
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. (NJ)

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 2017-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (SC)

I had a transaction with Remitly last XXXX XXXX amount {$2500.00} USD via express delivery and it should only take 10 minutes but I waited for 12 hours- 24hours to 3 days and more but was n't able to send the money to my recipient. They emailed me XXXX XXXX saying they 're taking a second look at my transaction after asking for inquiry why it takes a long time. After 12 hours of waiting, I decided to cancel my transaction and received an email confirmation " The charge to my card was voided and will be reflected in my account balance by the end of the day ''. So I waited but my refund was not reflected back to my account balance. XXXX XXXX I spoke to customer service of my " bank '' and stated they are waiting for the receipt of cancellation from Remitly so I can get my refund back to my account balance. Right after my conversation with my bank I called and emailed Remitly and they are asking for the ff : details ( name of bank, bank 's email, name of bank contact person/department ) I emailed back that I do n't know and it 's not my job to send the " Authorization Hold Removal request from my bank in order for them to release the pending charge. '' This is very disappointing because I have the right to cancel my transaction and refund back my money as I do need it immediately. I tried my best to get in touch with them and do my work but still, I do n't know what 's going on and they 're not giving the right customer services. Thank you so much.
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC (OH)

I applied for the loan, only needed {$200.00} but was given {$870.00}, there's no where to pay online, the email on their site does not work nor does their messaging service. I just want to pay back the {$870.00} as I don't need it anymore. If I want to the email I received says I have to pay the full {$15000.00} with finance charges.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

I have a credit card through Avant I requested for them to close my account via mail and email. I have not made a payment in over 195 days they are keeping the card open indefinitely so my balance and late fees keep accumulating to theyre advantage and are referring that this credit card is a personal loan which it is not. They are being predatory by not closing this account which will soon be 195 days late racking up almost XXXX in fees they seem to want to do this indefinitely. They keep sending me unauthorized text messages asking me if I want to use my card make a payment. I am so underwater because of these fees. They seem to want to keep doing this forever I have been accruing late fees for over 8 months I believe this is illegal
Consumer complaint received 2024-06-17
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-05-17
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. (NM)

I want to emphasize that it's illegal to make threats of legal action without genuine intent to follow through. Therefore, please understand that I am fully committed to taking legal action against your company for failing to address the inaccuracies on my credit report despite numerous requests to do so. It's my understanding that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any erroneous information, yet you have consistently neglected to do so. 
The situation constitutes a clear violation of the FCRA, which outlines both remedies for consumers and penalties for non-compliance by reporting agencies and data furnishers. This letter serves as my final request for you to fulfill your obligations under the FCRA. If you fail to take appropriate action, I will have no choice but to pursue legal action against your company in my local jurisdiction. 

I value my credit integrity greatly, and your lack of professionalism and assistance is deeply disappointing. I am well-versed in my rights under the FCRA and am prepared to assert them to the fullest extent. I expect a prompt and comprehensive response from your end. 

XXXX XXXX XXXX XXXX XXXXXXXX.