davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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. (MS)

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
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 Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine AMEX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX HON Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NM)

I switched my brokerage from Robinhood to XXXX recently. Upon doing this Robinhood restricted my account which means i can not withdraw my cash balance of XXXX from them to my bank account. I have sent 6 emails to them and have yet to receive a response. They are holding my cash interest fee without my consent despite having my bank account linked to them
Consumer complaint received 2024-05-26
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. (IL)

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

15 U.S.C 1681 section 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 informationisinaccurate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McKenzie Paul & Associates (TX)

I am formally lodge a complaint against XXXX XXXX XXXX regarding their unethical practices, unjustified collection of fees, and threats to report an alleged debt to my credit report. 

On [ Date ], I engaged XXXX XXXX XXXX to provide pest control services for my property. Unfortunately, despite repeated attempts to schedule and receive the promised services, the company failed to fulfill their contractual obligations. As a result, I decided to terminate any further dealings with XXXX XXXX XXXX due to their inability to deliver the agreed-upon services. 

To my shock, XXXX XXXX XXXX continued to debit my account for a total of {$300.00}, despite my explicit request to cease all transactions with them. When I contested these unauthorized charges, they adamantly insisted on payment, even though they had not rendered any services as per our initial agreement. 

Furthermore, I received a call today from a number identified as [ Phone Number : XXXX ], representing XXXX XXXX XXXX. During this call, their representative threatened to report the disputed {$300.00} as a debt to my credit report, which has left me deeply concerned and distressed. 

I strongly believe that XXXX XXXX XXXX 's actions are not only unjust but also unethical. I have been subjected to financial exploitation and harassment, and their threat to damage my creditworthiness is unjustifiable. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX ceases its unlawful collection practices, rescinds its threat to report the alleged debt to my credit report, and rectifies the unjust charges they have imposed on me. 

Enclosed with this letter, you will find copies of relevant documentation, including evidence of the failed service attempts, my request for cessation of charges, and the threatening communication I received. 

I am eager to cooperate fully with any further inquiries or investigations needed to resolve this matter promptly. Please do not hesitate to contact me at XXXX or email ; XXXX should you require any additional information. 

Thank you for your immediate attention to this complaint, and I trust that the CFPB will take the necessary steps to protect consumers like me from such unfair and predatory practices.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission.XX/XX/XXXXInquiry Date :XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XX/XX/XXXX Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XX/XX/XXXX.
Consumer complaint received 2024-03-12
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2018-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX XXXX XXXX misapplied my loan payments after a loan had already been paid off and I received a PAID in FULL notification ; they reopened my PAID OFF loan and altered my balance right before I was about to make a payment. I believe this company is altering and misappropriating my loans to collect extra money from me.
Consumer complaint received 2024-05-23
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. (FL)

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

15 U.S.C 1681 section 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 2024-03-13
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-10
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. (FL)

I am writing to formally submit a complaint against Equifax concerning their lack of response to my dispute regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax regarding the following incorrect details on my credit report. Regrettably, to date, I have not received any response from them. 

Details of the Inaccurate Information : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I assert that the mentioned account does not belong to me, and I request its immediate removal from my credit report.
Consumer complaint received 2023-04-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I am writing to file a formal complaint against Chase Bank for closing all of my accounts without providing an adequate explanation or a fair chance to discuss the disputed transactions, and for discriminating against me based on my XXXX. I have been a customer in good standing for over 2 years, and I feel that the way I've been treated is unacceptable and possibly illegal. 

I have been forthcoming with Chase about my XXXX  condition, a fact which they have on record. I took their advice to dispute certain transactions that seemed unclear to me. Chase informed me that they would reach out for further discussion on these disputed transactions ; however, they failed to do so. Instead, they simply closed all of my accounts, citing " unusual activity '' as the sole reason. 

Closing my accounts has caused significant hardship. Not only has this affected my financial planning, but it has also prevented me from accessing funds, leading to delays in bill payments and causing unnecessary stress. 

I am deeply concerned that I have been discriminated against due to my XXXX, as my account was closed without just cause and without any prior discussion to clarify the disputed transactions, despite promises to do so. 

I am asking the CFPB to investigate this matter and take appropriate action against Chase Bank for their improper conduct. I kindly request that my accounts be reinstated, and that Chase take measures to prevent such discriminatory actions in the future. 

Enclosed are copies of any relevant documentation that supports my case. I am willing to provide any additional information upon request. 

Thank you for your prompt attention to this serious matter. 

Sincerely,
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? 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. 

Here is the account : XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Paid electric bill on XXXX at XXXX XXXX Got notice on XXXX I was overdrafted. Saw mobile app, charge of electric company for XX/XX/year>, had XXXX hrs to set account positive. XX/XX/XXXX was charged overdraft fee XXXX. Checked mobile app transaction being showed fir XX/XX/year>. After XXXX minutes on phone was told that is how system works do not trust the XXXX overdraft privilege, it is confusing, that what was told by three customer service reps and a 2nd level manager. They dint even know why the overdraft fee was charged, or why the mobile app was not updated, or why the transaction date ahiwed one day before.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (IA)

NETSPEND is a fraudulent company, which sells " reloadable debit cards '' at locations such as XXXX XXXX and other big box retailers.

The card is promoted as a " reloadable card '' which would be highly convenient for business owners, such as myself, who have people on the road for extended trips. They could use the card to pay for gas and meals. This eliminates my need to provide them with " credit cards. '' It allows me to control spending. Unfortunately, after loading the card with funds ( maximum of {$500.00} ), the features of the card being promoted are not available. Ex : The website offers a " bank transfer '' as a loading option, but it is not actually available. After a protracted struggle to get a human on the phone, they will tell you the bank transfer feature is no longer available. The only remaining method of loading money is to have the card, in person, at a gas station, who will charge you an additional fee ( in addition to the NetSpend fees ). This defeats the entire purpose of the card- in which you can remotely load the card for your staff on the road. This company also charges a {$1.00} for every transaction, which means just trying to remove the money from the card is going to cost me additional fess. This is the game. They have promised to make a service available, charge you fees and then make the core feature of the card unavailable.