davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (CA)

I was contacted my someone who claims they are a legal department and are investigating me for fraud on a 5 year old payday loan debt that the initial lender has sold. 
I was accused of check fraud and yelled at for questioning that. 
I was accused of purposely taking the money and running! His words to be exact. 
He sounded very upset and hung up on me when I tried to speak for myself. 
Theyve called my mother and my wife continuously as well. 
Ive never received a single document or validation letter of ownership of this debt and nothing shows up on my credit report. 
The company identified as XXXX phone number XXXX reference case XXXX XXXXXXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally request the immediate removal of the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> These inquiries were not initiated or authorized by me, and their presence on my credit report is damaging to my credit score and overall financial well-being. I have previously contacted your agency regarding this matter, and despite your responses stating that the inquiries will remain, I must insist on their removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S. Code 1681b, it is required that inquiries must have a permissible purpose and must be authorized by the consumer. Since I did not authorize these inquiries, they lack permissible purpose and should be removed from my credit report immediately. Moreover, according to 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies are obligated to correct or delete such information after conducting a reasonable investigation. 

I request that TransUnion conduct a thorough investigation into these unauthorized inquiries. If you find that these inquiries were indeed unauthorized, I demand that they be removed from my credit report without further delay. Please provide me with written confirmation once the inquiries have been deleted. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries and a copy of my identification for verification purposes. 

Your company 's failure to remove these unauthorized inquiries promptly left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and considering legal action to enforce my rights under the FCRA.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-29
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. (AL)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (GA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I inquired about XXXX unknown charges made to my account in the subs of {$20.00} {$23.00} {$10.00} They lied to me a total of XXXX times. Stating XXXX XXXX as the final say. 
Fraud department despite last week stopped the transaction due to the routing number as the source. 

On XX/XX/24 the truth revealed itself as I had spent a period of weeks, almost a month, of repeatedly telling them to block XXXX access. 

What did they do? They did not. This company has not had my interest as a concern. 

Just as the time when I was stranded on the side of the road out of gas. Money for gas was taken by the bank after having been informed earlier by a member of their FRAUD DEPARTMENT who intentionally LIED to me about credit not given for a dispute that I had said to NOT claim as information was mixed up. 


She quickly said i didn't when I said I wait until I had money in the account to cancel this dispute. One i was under the assumption not once but twice was not active as a few weeks earlier was also told by their FRAUD DEPARTMENT no open cases. And would have only one from XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VA)

My name is 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2023-12-01
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-20
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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. (GA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have made an XXXX report based on multiple fraudulent accounts appearing on my Experian credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


[ XXXX XXXXXXXX - XXXX -Opened XXXX XXXX ] [ XXXXXXXX XXXX  XXXX XXXX -Opened XXXX XXXX ] [ XXXX - XXXX -Opened XXXX. XXXX ] [ XXXX - XXXX - XXXX XXXX. XXXX ] [ XXXX XXXX - XXXX - XXXX XXXX. XXXX ] [ XXXX XXXX  XXXX - XXXX - Opened XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXXXXXX XXXX  - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] I am attaching my original Experian letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100 %, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other two bureaus 100 % or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Consumer complaint received 2023-12-01
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. (MO)

This is a formal complaint against Experian for disclosing a copy of my credit report without my written consent. On ( XX/XX/XXXX ) I became aware that Experian provided a copy of my credit report XXXX XXXX without my explicit authorization. I did not provide XXXX XXXX consent to obtain my sensitive information, nor did I consent or agree to have an inquiry made on my credit report. This unauthorized disclosure of my credit file has caused me great concern and distress. My rights under the FCRA have been violated, as the act clearly states that a consumer reporting agency must obtain written consent before relased a credit report to a third party. I am in the process of disputing an ALREADY fruadulent account from XXXX XXXX brandished on my account that in fact ; per XXXX XXXX  I have been found not responsible for so I would not go and then approve an inquiry from XXXX XXXXXXXX. I demand that Experian take immediate action to recifify this issue by : 1 ) Removing the inquiry from XXXX XXXXXXXX made on XX/XX/XXXX and any other information related to XXXX XXXX on my credit report as I DO NOT HAVE AN ANY ACCOUNTS WITH XXXX XXXX! 2 ) send me written confirmation this matter has been resolved, I have included a copy of the IDTHEFT report I have filed on the Federal FTC site.
Consumer complaint received 2023-08-29
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 dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXXXXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Moreover, the Past Due amount should not be presented for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurately reported with a balance higher than what I recall. As this account has been presented as closed, the Past Due amount should not be provided. I recommend addressing this misleading data directly with the creditor. I intend to take necessary action, but I request that Equifax mark this account as disputed in the meantime. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$0.00} has inaccurately been reported as never late. I kindly request that Equifax correct this information to accurately reflect that the account was never late.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

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 2023-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wife transferred {$9600.00} from my BofA checking account to a domestic XXXX XXXX account on XX/XX/XXXX  due to a scam. I was not at home when everything happened, after I heard the details I immediately called BofA and reported this case to local police on XX/XX/. The account information of the recipient led the police to a real person, who stated that she didn't receive the money and her account was frozen from XXXX, XXXX. The police officer asked us to make sure whether the bank can recover the money or where the money went. So in the following days, I kept calling BofA. First they said it takes 2 weeks, after 2 weeks they said it can take up to 90 days. But after 3 months, they stared to say that this case is rely on another bank so they don't know when I can get the result, and always, they don't have any updates about my case. A few times they promised to request detailed information from the investigator for me, but as a result I never received any information from them. Finally, after one year waiting, I received one email that informed me the bank failed to recover the money and our case was closed, without any explanation. I called the bank for details, again they just promised to send information to me but I received nothing. 

We think the bank should be responsible for the failure to recover the fund, and compensate for the slow response. Because even if the recipient 's bank account was frozen, it will only last half a year normally. Respond after one year doesn't make any sense. It gave the scammer enough time to disappear. What's more, the one year waiting deprived us of the best chance to cooperate more with the police and lawyers. Now it's almost impossible to take any efficient legal actions.