davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (LA)

I am XXXX 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 on my XXXX, Experian XXXX XXXX.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, XXXX, and Experian for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, XXXX, and Experian ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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 writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly XXXX. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I deposited a third party check to my USAA checking account using a mobile banking app. I endorsed the check " for deposit only to USAA XXXX account number xxxx ''. USAA did not want the check processed in that way. In response to this issue, USAA chose to freeze all my outside electronic transfers. I still have the check in my position. I am happy to process the check in any way USAA prefers. However, they still claim that my electronic funds transfer process will remain frozen for the foreseeable future.
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: EQUIFAX, INC. (TX)

I noticed several things on my consumer report that are incomplete and inaccurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information that is concerning the person/individual about whom the report relates. These accounts are not complete or accurate : 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX  XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX  XXXX Balance : {$160.00} XXXX & XXXX XXXX XXXX : {$900.00} Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

I currently do not have a social security number but I have credit accounts with an ITIN number. I requested my free credit reports and was able to obtain reports from XXXX and XXXX. Experian refused to give me my report because I don't have a social security number.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (MO)

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 2024-05-23
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)

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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 noticed XXXX XXXX XXXXXXXX XXXX XXXX, on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through XXXX XXXX.
Consumer complaint received 2024-01-05
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. (NY)

XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX Experian I hope this letter finds you well. I am writing to bring to your attention certain outdated accounts that are currently listed on my credit report, and I kindly request your assistance in having them removed. The inclusion of these accounts is negatively impacting my credit score, and I believe their removal is warranted for the following reasons : * Age of the Accounts : The accounts in question are considerably old, and their continued presence on my credit report no longer accurately reflects my current financial standing. As per the Fair Credit Reporting Act ( FCRA ), outdated information should be removed from credit reports to ensure accuracy. 
* XXXX Balance : All the mentioned accounts currently hold a balance of {$0.00}. Given that there are no outstanding debts associated with these accounts, their presence on my credit report is not reflective of any current financial obligations.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, 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. (MN)

I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

On XX/XX/year>, at XXXXXXXX XXXX, I contacted Discover to inform them of my unemployment and inquire about possible payment plans, having missed the minimum payment due on XX/XX/XXXX of {$270.00}. The representative mentioned I did not have the Payment Protection Plan and offered to check for alternative plans. Before she could detail Discover 's repayment options, I interrupted to ask about the Payment Protection Program, its benefits, and why it wasn't offered to me initially when I received the card. She suggested transferring me to Customer Service for further information. 

Later that day, at XXXX XXXX, I called again, seeking transfer to Customer Service to learn more about the Payment Protection Plan, as the initial transfer was overlooked. The second representative indicated the program was no longer available but, upon my insistence, agreed to transfer me. After a hold, the same representative came back online and confirmed that the Payment Protection Program was indeed discontinued. 

I made a third call around XXXX XXXX  to the number provided online at XXXX, Payment Protection - Protect your Account | Discover Card for the Payment Protection Plan, seeking clarification on when and why the program was terminated. The representative informed me after a long hold that Discover had ceased the plan around fi

ve years prior, due to a business decision.

This series of inquiries stemmed from the initial call to Discover when interacting with the initial representative...

Payment Protection - Protect your Account | Discover Card online states that if you are a Discover card customer it is 'no fee ' to enroll in the Payment Protection Plan Program, so why could I not enroll since this is the first I am hearing about it? I also plan to report this concern to my local news stations.

This same concern may apply to my two other credit cards as well.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XXXX I deposited a check in the amount of {$530000.00} into my Bank of America business checking account from XXXX for a vehicle that I sold them. I was given a deposit slip that stated {$5300.00} of the check will be available on XXXX and the remaining {$47000.00} will be available on XXXX. On XXXXXXXX  I noticed that I couldnt login into my online banking portal. I called BOA to see what the matter was and they informed me that my account was locked and in a closing status. BOA informed me that the check I deposited was unauthorized and they were closing my account on XXXXXXXX  I called XXXX and spoke with a lady name XXXX in there Customer Relations department. She informed me that no one at XXXX nor their bank ( XXXX XXXX ) unauthorized this check. She emailed me a copy of the draft showing that the funds were paid to BOA on XXXXXXXX I called BOA and they informed me to have XXXX give them a call. I called the Customer Relations department for XXXX again and spoke with the same lady. I informed her of what BOA had told me to do. She gave me a call back about a hour later and informed me that BOA wouldnt speak with her without me giving authorization. I called BOA back with XXXX customer relations analyst on 3way in which we set on the phone for another hour just to be told that BOA couldnt talk on a 3way call. The XXXX analyst gave me a XXXX phone number and extension for BOA to reach out to XXXX. I waited until XXXXXXXX  to call BOA back about the closure of my account in which they informed me that the closure date has been pushed back to XXXX. I asked about my funds that were in the account and also the check either being mailed to me or sent back to XXXX and BOA informed me that nothing will be done until the closing process is finished. I asked them for proof that XXXX told them that the check was unauthorized and they wouldnt provide it. Each time I called BOA they were very rude to me it even had gotten to the point they will put me on hold for a hr then hang up the phone on me. I called BOA on the XXXX and they are now telling me the account will be closed on XXXX. When I ask for proof that they were told the check was unauthorized they tell me that they cant provide it until the account is closed. BOA keeps telling me to take it up with XXXX but XXXX is saying theres nothing they can do u til they receive their funds back. XXXX said they will issue me another check immediately after that {$53000.00} comes back to there account. BOA keeps procrastinating and withholding the funds so this matter cant be resolved. I informed BOA that I cant pay my employees payroll or bills because they are withholding funds. This is causing a strain on myself and my business. I have audio of BOA representatives saying that XXXX said the check was unauthorized. I also have audio of XXXX representatives saying they didnt say the check was unauthorized
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-01
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (NV)

I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I consistently make my payments on time. I am confident about this. What I don't understand is why this company is marking me late for certain months, which shouldn't happen. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
Accounts According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$XXXX0} XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>