davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

This afternoon ( XX/XX/2023 ) I tried making an online purchase ( through XXXX ) with my prepaid AMEX giftcard, however, it was constantly being declined, so I tested it on another store ( XXXX ) and the same issue was happening. I tried putting my card information through XXXX and XXXX hoping to see a change, but neither worked. 
Through my attempts, my card was constantly deducted XXXX cents each time I attempted to make a purchase that didn't even go through. My intial amount of XXXX dollars became XXXX dollars because of my attempts. I called AMEX customer service which took me hours only to conclude that they have no current solution to this issue.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX - EX Account Number : XXXX Account Name : XXXX XXXX - EX Account Number : XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings XXXX, I am requesting immediate CFPB deletion of the following inaccurate & harmful information currently listed on my credit report history that is causing damages to my personal credit as well as my company and its current business obligations. Not only is this information incorrect, but variations of the fraudulent activity & reports vary across the different credit bureaus making it impossible for lenders to see an accurate read of my credit activity.

In Pursuant to code 15 USC 1666a : Regulation of credit reports, the following information must be removed from my account.

Dispute # 1 : NOT MY ACCOUNT The following two accounts currently listed on my credit report do not belong to me, and were never authorized by me. Pursuant to code 15 USC 1666a : Regulation of credit reports, these accounts and inquiries must be removed from my credit history. 
Listed as Open Accounts - XXXXXXXX XXXX XXXX XXXX XXXX - $ XXXX limit // shown as red flag, high balance above available limit - XXXX XXXX XXXX {$1100.00} // shown as red flag, high balance above available limit XXXX XXXX XXXX XXXX {$94.00} Listed as Closed Accounts - XXXX XXXXXXXX - {$1100.00} limit // shown as red flag, high balance above available limit noted as a Closed Account Listed as Hard Inquiry XXXX XXXX dated XXXX Dispute # XXXX : CORRECT PROPER ADDRESS My correct address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX The following addresses currently listed on my credit report are inaccurate, not mine and are causing informational discrepancies harming my credit and rights. Pursuant to code 15 USC 1666a : Regulation of credit reports, these charges must be removed from my account. 
- XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Any other address listed that differ from the current address must be removed to ensure accuracy of information for all banks & lenders. 

Dispute # 3 : INCORRECT PUBLIC RECORD The following information is inaccurate, causing damages to my personal credit and my business. Pursuant to the Privacy Act and code 15 USC 1666a : Regulation of credit reports this information must be removed from my credit history : - XX/XX/year> - Dismissed Bankruptcy Claim Dispute # XXXX : OUTDATED INFORMATION The following accounts are all closed must be removed from my credit report history accounts removed - XXXX XXXX  - {$31000.00} - XXXX - XXXX XXXX XXXX XXXX XXXX  {$250.00} Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the CFBs notice & implementation. 
Please contact me here for any further clarity or assistance. 

CFPB Consumer Affiant Sincerely, By Direction of XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I tried to call all the numbers associated with Experian today XX/XX/2024. I called XXXX and XXXX XXXX with the same request and had no problems from them making the corrections. But the presentative from Experian would not honor my request. When I called all the number listed with Experian, they all are impossible to speak with a representative and all access is totally impossible to get through to anyone. They most start with some form of solicitation of which is totally frustrating and a clear violation of conflict of interest. I would think they would know the laws just past would put them on notices in how vulnerable their actions are to consumers. I also went on the website which is not user friendly at all and had a very complicated virtual conversation with a representative that refused to honor my request of making the corrections that requested, as I did with the other agencies. I told them a lot of the information was inaccurate and they kept saying that it wasn't. I told them due to the inaccuracies I have been subject to fraud and would not put the accurate information I requested. I am formally requesting my correct name, current address and employment status be the only things on my profile.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX  XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (FL)

I'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below
Consumer complaint received 2024-07-16
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. (NY)

I have a XXXX rewards XXXX card from Bread Financial, a division of Comenity Bank. I had received a text alert for a nearly {$500.00} charge for a XXXX XXXX  and rejected it. Upon logging into my account, I found several charges from out of state in the amount of hundreds of dollars, XXXX charges, and a charge to XXXX XXXX. 

I had called customer service with the number on the back of my card. On my first attempt to report this issue, the person on the line argued with me about the charges and went to far as to defend the charges as legitimate. 
The following day I called again to speak with another person to report these charges. This person accepted my report, however I asked that they freeze the account and stop sending more cards, as I suspect someone has been requesting additional cards and using them to commit the fraudulent charges. 
When attempting to look at my account online today, I found that not only is the card still active, but it is still getting charges for XXXX orders out of state, which I have reported in the past. I was also prompted to activate my new card, after I specifically asked the company to stop sending out more cards. 

This company failed to alert me to any of these purchases, they have shown terrible customer service to a point of openly defending fraudulent charges, and they have not taken any of the actions I have requested to secure this account.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

On XX/XX/2023 I received an email that stated my account was on hold by chime. When opening my account I was never asked for any identification documents so I called chime where they requested the front and back of my drivers license. I let chime know that on hand I had my Alabama dept of corrections government issued identity card and could send them a picture holding it. Which they requested from me, once I did that they stated they would not accept it so I told them I go home every Wednesday through Friday and would send the documents on Wednesday. 

On XX/XX/2023 I sent the requested documents multiple times while the representative kept saying the system wouldnt read them. I asked her what would need to be done and she ended the call on me. I sent my drivers license, social security card, and a copy of my water bill. As you can see this is very personal information so for her to end the call then I receive an email saying my chime account has been closed makes me very suspicious that someone in chime is stealing money. I have about XXXX XXXX dollars on this chime account and never had any suspicious activity on my account for chime to do this. I am requesting that chime send me a check with my money from the account
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Credit had agreed to have the debt removed from my credit history once its been paid in full. This debt was satisfied, effective, as of XX/XX/XXXX. However, this doesnt appear to be the case when reviewing my latest update of my previous dispute. Its way out of date, back in XXXX and the balance, at the time was still over {$700.00}.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX and XXXX are in collusion, illegally stealing money transfers from their customers for absolutely no reason and stonewalling so that they can settle other accounts. Lying to customers and closing their accounts without authorization. 

Heres a series of events : I gained a design client client made a deposit payment through XXXX, who uses XXXX, and had no issues with the payment. ( Note : never had a problem in XXXX years! ) worked XXXX months on building the website for the client client pays remaining balance on XXXX I wait for funds to be processed through XXXX, which was taking an extended period of time I receive an email saying XXXX is closing my account and that the money that was supposed to be transferred to my account will be held XXXX  ) no explanation. 
I try repeatedly to understand what is going on ; e-mails requesting answers, as they have no phone number. 

I checked my XXXX and the account was active, and I checked XXXX under my email, and it showed the funds in process up to XX/XX/XXXX no closures or holds. I figured all of this was in error and I would get the funds on XX/XX/XXXX, but I kept getting emails requesting personal information from me. There was no clear response to explain why they chose to do all of this ( which I can attach ) and they were completely uninterested in providing transparency or clarity. 

I then received an email the afternoon of XX/XX/XXXX stating that XXXX is not releasing the payment until XX/XX/XXXX. No reason, no explanation basically illegally stole the money and is currently holding it XXXX which is unacceptable. 

I have done straight business through XXXX and XXXX for a couple of years XXXX issues. This unauthorized action without clear explanation to rectify the issue is not only out of line, it seems to be their standard business per XXXX and XXXX 

I sat on hold with XXXX for XXXX minutes to be told that I have to email and send them my bank statements? Why? No. Ive had all my information verified on my account for years through documents that they approved. I know I didnt do anything wrong or illegal, and neither did my client. This is TERRIBLE business by XXXX which again, has been noted online by many small businesses. I am so angry, frustrated and disappointed that companies like this can commit such unethical and unauthorized actions and brush their hands off. I pray that you can review and assist in this matter thank you.
Consumer complaint received 2023-05-19
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. (GA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-13
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX CO Account Number : XXXX XXXX
Consumer complaint received 2023-08-04
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. (GA)

Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From Experian, XXXX XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From Experian, XXXX XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXXXXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2017,
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

account number XXXXXXXX XXXX XXXX XXXX XXXX  out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXXXXXX  and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXX and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX XXXX she handled everything with her cousin who has the business Document attached with all supporting information!