davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACTXX/XX/XXXXXXXX XXXX XXXX XXXX, NC XXXX ACCOUNT # 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 


I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-11
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: Bread Financial Holdings, Inc. (HI)

I had emergency dental work done. I asked the provider if I could pay over time. They signed me up with Commenity Bank. I had problems with the work the dentist did. At the last minute, before going under general anesthesia, he recommended that he make XXXX XXXXXXXX  for the XXXX XXXX XXXX he did. I reminded him I was moving to XXXX, and would this be a problem. He said no. Once I moved to XXXX  XXXX very reputable dentists said they could not set the XXXX due to insurance laws. Also, they were worried because XXXX of the XXXXXXXX XXXX cracked within a few days. I went to both the dentist and the Credit Card company with the problem. The dentist claims he delivered all the services, which he didn't. I can't get the Credit Card company to go after them. They are not accepting responsibility for the problem, which is not my doing. I sent them a check for all of the work that was done, subtracting the amount of the XXXX XXXXXXXX XXXX. I put " Payment in Full '' on the back of the check. They cashed it by converting it to an electronic payment without my permission. Since the beginning, I have sent the bank XXXX or XXXX letters. They refuse to do anything. Now they reported me to the credit bureau because I will not make any more payments.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (VA)

This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-05-22
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. (TN)

My mortgage is held by XXXXXXXX XXXX. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( XXXX and Transunion ) have been attached.
Consumer complaint received 2024-05-15
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: JPMORGAN CHASE & CO. (MD)

Chase ink engaged in deceptive businesses practices by offering a pay in full credit card. In commercials and in advertisements it was never sold as a pay in full card. This should be addressed because it hurts small businesses
Consumer complaint received 2024-05-03
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. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Each month since XXXX I am recieving a charge from XXXX on my XXXX  XXXX, Bank of America Visa credit card. I have had to call each month to get this cancelled. I do not own a XXXX account, I think it is not a good idea to PAY for music when the radio is free. I have never owned a XXXX account. How is XXXX getting my new credit card information EVERY MONTH and charging me? ~! This is tiresome. In XXXX I believe the charge was for XXXX, then each month after I can not recall exact amounts but were between XXXX and XXXX. The latest charge is for XXXX and for XXXX and XXXX I am pretty sure it was XXXX. BOA has cancelled each of my cards each time ( a couple of times I only had the card about XXXX days before a NEW charge showed up ) and closes the account. But I have a lot of people on autoPayment and this is not happening with anyone else. WHY is the happening? Please connect with XXXX and/or Bank of America and get this sorted. This is a pain every month! I am now on like my XXXX ( i think ) credit card from BOA in just a few of months. As soon as i get a new card, it is showing up with XXXX charges! Again this is every month from XXXX through XXXX and between XXXX from XXXX. I DO NOT have a XXXX account. I can not take screen shots because BOA closes the account immediately and I can not see any charges anymore. Who knows if other things are being charged on my account or not. Due to them closing the card and removing all of my charges from the screen in front of me, I can not submit any documentation. They said they will issues TEMPORARY credits to my card. I want this permanent reversal, again I do not own a XXXX account and XXXX DOES NOT HAVE MY PERMISSION TO CHARGE ME. PLEASE HELP! Thank you.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

An authorized subscription payment was made on my XXXX ID. I called XXXX for a refund and I was told that I have been paying for XXXX XXXX for the past 4 months and a refund of {$450.00} will be sent to me. I was asked for my drivers license, last 4 of my social security number, name and address. I was told these were updates to my XXXX ID due to me changing my address and phone number. Changes were made to my XXXX ID by an authorized person.Unknowingly, there was an unauthorized transaction made from nutmeg credit union to money gram. An unauthorized money transfer if {$450.00} sent withdrawn directly from my bank to money gram.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

Since early XXXX, I have had 2 transactions from a Wells Fargo Savings account listed as " OVERDRAFT PROTECTION XFER TO CHECKING '' but there are several fishy details. They can be seen listed on the screen capture below, one taking place on XX/XX/24 and the next at XX/XX/24 XXXX. No overdrafts have taken place, nothing was purchased on either date, and the bank is unable to detail which transactions prompted this charge.

2. The money was not moved into any other account that I owned.

3. There is no receiving account # listed in the the transfer note, which should be there according to bank staff.

4. Each of the 3 times I have called to the bank, they state they are starting an investigation, but I have received no follow-up at all, and each new call they act like there is no open investigation happening.

I am concerned that WF has created some sort of ghost account for me or somehow allowed someone else 's checking to be tied to my savings. Or they might just be stealing from me and hoping I don't notice, since no one can figure out where the money is going to.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-04
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. (OH)

I submitted a complaint through CFPB on XX/XX/XXXX about incorrect information shared on my credit report. All XXXX CRAs claimed they did an investigation yet are still reporting different info. 
It is taken me this long to submit another complaint rather than a dispute because of circumstances that could've been prevented with an accurate credit report. With CRA slander holding me back, I have been stuck in an emotionally abusive relationship. stress from CRAs and debt collectors, which by definition CRA are also debt collectors. 
They have violated my privacy and my RIGHT to XXXX negative credit score, during that period alone caused/heavily contributed to the following chain of events, To be taken as my AFFADAVIT OF TRUTH, My statement of facts 1. High car insurance cost based on credit score/report was unaffordable so I lost it.

2. My automobile, used for all my everyday business and personal errands was damaged in an accident. High cost to fix and it is not drivable.

3. FALSE reports from credit bureaus prevent me from having credit cards to help pay for the damage promptly. It's still damaged in my driveway.

4. No credit card, no rental car 5. With bad credit due to false reporting can't get approved for an affordable automobile 6. I scraped up what I could and purchased an automobile from a private owner for {$1200.00}.

7. It had bald tires that needed to be replaced, once again my negative credit score prevented me from doing so.

8. Due to the bald tires, I was in a car accident I spent XXXX days and XXXX nights in an EMERGENCY ROOM ( not a private room, miserable emergency room ). I have a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Plus another totaled vehicle. 
XXXX. I now have no Vehicle and a Credit report holding me back from getting one Credit is supposed 192 of 1933 a.k.a Public Law 73-10 suspended the gold standard and exempts people from paying their debts since their means of paying their debts was taken away from them and replaced with money substitutes that discharge debts instead of paying themed to be for consumers to discharge the debt.

yet CRA is in cahoots with lenders to keep scores down, and interest rates up and demand these credit transfers be paid back in federal reserve notes although we were never lent XXXX. We the consumers are the true creditors. 
All reports are still inaccurate. They are sharing info I do not consent to.I constantly get emails from all the CRA about " pre-approval '' but when I apply I am denied to CRA. If my signature, according to '' Modern money mechanics '' written by the federal reserve itself states that my signature creates the promissory note then are these companies referred tp me by the CRA, still profiting of my application although I was denied in violation of the equal opportunity act?
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports