davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (CA)

I found the following inquiriees that need to be deleted Found unauthorized inquiries on my consumer reports which need to be deleted immediately XXXX inquiries not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX inquiries not authorized XXXX XXXX XXXX ( Finance XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Experian inquiries not authorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I saw a transaction listed on my Chime checking account that stated I was charged {$1000.00} on Wednesday, XX/XX/2023 at XXXX from merchant 'XXXX XXXX XXXXXXXX XXXX XXXX   I never authorized or made this purchase and I do not know what this transaction is. What was worse was that I received a fraud text alert if this transaction was authorized and I tapped NO! I received a following response that this transaction was declined. However, it still showed pending on my account. I contacted Chime the same day, XX/XX/2023 to see if the payment was going to be canceled. A chime representative told me, " since the transaction is still pending I must wait until the payment is either processed and no longer shown as pending to file a dispute or if it indeed does become canceled ''. 
2 business days later the transaction was indeed complete and the money taken out of my account. I immediately contacted Chime customer support and filed the dispute.

However 3 business days later Chime completed their " investigation '' and denied my dispute.

This transaction was fraudulent and I have never given anyone my account details or debit card number or authorized anyone to make a purchase on my behalf. Since learning of this fraudulent transaction I contacted Chime support and deactivated my debit card and received a new card with a new number. I changed my pin and I set up transaction alerts so I will receive a notification on my phone when a purchase has been made on the account.
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: Experian Information Solutions Inc. (PA)

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX XXXXXXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
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: Experian Information Solutions 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

XXXX XXXX XXXX, Attorneys at Law American Express Customer Advocate Services Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dispute Clarification and Resolution for XXXX XXXX Dear American Express Customer Advocate Services Team, I am writing on behalf of my client, XXXX XXXX, regarding several unresolved disputes on his American Express account ending in XXXX. Below are the details of each dispute : Dispute XXXX : XXXX XXXX provided diagnostic reports from three separate mechanics indicating that the car was not repaired as claimed. Despite submitting new information in XXXX, XXXX, XXXX, and XX/XX/year>, AMEX did not contact the merchant after XX/XX/year>. 
While XXXX XXXX accepted the goodwill compensation of {$1800.00}, this was not intended as a final settlement. We seek clarification on why the dispute was not resolved in his favor, given the substantial evidence provided. 

Dispute XXXX : The merchant allowed XXXX XXXX to return the item after 30 days due to his being out of the country. Evidence of this exception was provided in the email sent to AMEX. 
However, AMEX confused this dispute with XXXX. We request that AMEX reviews and corrects this oversight. 

Dispute XXXX : XXXX XXXX paid a total of {$10000.00} ( {$5000.00} down payment and {$5000.00} towards the loan ) but received a refund of only {$7500.00}, leaving {$2400.00} unaccounted for. 
AMEX stated that the merchant refunded {$2400.00} more than what was billed, but this does not align with XXXX XXXX payment records. We request a review and correction of this discrepancy. 

By failing to properly investigate XXXX XXXX disputes and not contacting the merchant after receiving new information, AMEX may be in violation of the FCBA. This law is designed to protect consumers from inaccurate billing and ensure that disputes are handled thoroughly and fairly. We kindly ask that you re-evaluate these disputes with the provided evidence in this CFPB report and correct any errors. 

Please examine the enclosed documents thoroughly and contact XXXX to discuss and resolve these issues promptly. Failure to address these disputes adequately will leave us no choice but to pursue further legal action. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, Attorneys at Law
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-07-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CO)

On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This company has failed to comply within the required time allowed by law. XXXXXXXX XXXX  is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX due to the response I received. 

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. XXXX is making money off me while maintaining my credit in the ruins and selling my information to third parties.
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: Experian Information Solutions Inc. (AZ)

This is a fraudulent charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed XXXX that the services for the {$29000.00} sent to the XXXX XXXX ( where I am not a patient ) were never provided. Despite not signing the XXXX XXXX XXXX XXXX XXXX XXXX attached to the Inactive XXXX  Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXX XXXX XXXX as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX  XXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the XXXX XXXX. I did not directly nor indirectly benefit from any funds dispursed.
Consumer complaint received 2024-07-29
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. (PA)

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX. I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies XXXX, Transunion, and XXXX.
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: Experian Information Solutions Inc. (DE)

On my Experian Credit Report XXXX XXXX XXXX XXXXXXXX Account number XXXX shows as Closed/charged off with a past due amount of {$19000.00}. 
I paid that off on XX/XX/XXXX and received an Account Paid in Full Letter and the Lien XXXX XXXX on XX/XX/XXXX. I have disputed and submitted the appropriate documents to Experian on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they refuse to show this account as paid in full.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I am writing to formally lodge a complaint against Experian for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX  plus + days ). Despite providing all necessary identification information, Experian has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by Experian have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following five provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, Experian has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate Experian 's practices and enforce compliance with federal laws. I urge you to compel Experian to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with Metro2 reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a {$10000.00} check on XX/XX/2019 through BOA app 's mobile deposit on cell phon and was told the fund would not be available till XX/XX/2019. Namely it will take Bank of America 10 days to clear the check and make the fund avaialble to me. I called consumer service and was told there is no way to accelerate the processing. Neither can I stop the check processing. 

In my opinion, Bank of America is taking advantage of consumers by intentionally holding their fund that otherwise should be available to consumers without paying any interest. It's 21st century now and how could it be not possilble for a commercial bank to clear a check within a couple of days.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2023 I received a letter from citizens Bank informing me that an account in my name was overdrawn by the amount of {$18.00}. The letter informed me that the last four numbers of the account were XXXX. I called citizens Bank fraud department and spoke to a XXXX who explained that this account was opened online in XXXX showing no activity since and the overdrawn amount was due to monthly banking fees. The fraud XXXX zeroed out the balance, enclosed the account and recommended I notify the FTC. I never open this account, nor have I ever had an account with citizens Bank.
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: Experian Information Solutions Inc. (IN)

Please take a look at the attached letters and ID docs for verification that it is I 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.