davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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: Experian Information Solutions Inc. (PA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2024-06-26
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: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX I recieved an alert I applied for Barclays Bank Delaware Credit card! This was not me and was fraud! I called credit card company to stop application from going thru and advised it was fraud! They claimed to sent a letter to all credit bureaus to have this inquiry removed!!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I arrived in the US this XXXX, marking my first time in the country. In XX/XX/XXXX, I attempted to apply for my first US credit card with XXXX, only to be rejected due to an outstanding bill on a credit card reported in my XXXX credit report. This was surprising as I had just arrived in the country and had no prior credit history in the US. 

Upon creating an XXXX account using my personal information and newly issued SSN, I discovered that XXXX had erroneously linked me to an existing account belonging to someone else. This account, which had similar ( but not identical ) personal information, included a credit card from Bank of America with an outstanding bill from XX/XX/XXXX. Notably, this credit card was issued in XXXX, a time when I was not present in the US. 

Despite providing XXXX with comprehensive personal documentation ( including my passport, State ID, Bank Statement, police report, SSN, past two years ' mailing addresses, full name, DoB, XXXX XXXX, and XXXX ), my efforts to dispute this error have been unsuccessful. XXXXXXXX XXXX  reasons for rejecting my dispute include a lack of sufficient proof from my side and Bank of America 's confirmation of the credit card 's validity. First reason that XXXX gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by XXXX, including my passport, State ID, Bank Statement, police report, SSN, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that BoA confirmed that that credit card is 'valid ' so they can not remove it from my XXXX credit report. But it does not belong to me. 

Given these circumstances, I believe my situation falls under the purview of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to provide accurate, fair, and private information. Under the FCRA, consumers have the right to dispute and demand correction of any inaccuracies in their credit reports. The Act obligates credit reporting agencies to investigate consumer disputes and correct or delete inaccurate information within a reasonable timeframe. 

Furthermore, if identity theft is a factor, the Identity Theft and Assumption Deterrence Act provides additional protections, making identity theft a federal crime and assigning specific responsibilities to the Federal Trade Commission ( FTC ) to assist victims. 

I am prepared to take legal action under these federal statutes to ensure the correction of my credit report and dissociate my identity from this erroneous account. I seek a complete removal of the incorrect credit record and a formal acknowledgment of this error from XXXX. I also request ongoing credit monitoring services to prevent future inaccuracies and protect my credit status.
Consumer complaint received 2024-01-06
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-06-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

The fifth complaint regarding Goldman Marcus continued failure to pay me the funds from a CD that matured on XX/XX/24 - the fourth being Complaint Number XXXX. After speaking to XXXX in the complaint department on XX/XX/24, he indicated that the XXXX day period ( the time period XXXX XXXX they " have to wait '' before paying me on a lost check ), would be XX/XX/24 and I could receive the funds ( approximate value {$26000.00} ) plus interest. He indicated they could be wired on that day, and that someone would reach out to me. 

Today is XX/XX/24 and I called Goldman- no one reached out to me, and nothing happened. After speaking with a supervisor, they gave me a case number to start addressing the problem (! ) now that 90 days had passed. The case number is XXXX. 

So, here we have a US Treasury primary dealer, who issues FDIC insured CDs, that has not paid a customer on a maturing CD for three months. If the CFPB can not force banks to do the most basic functions of a bank, I just do not understand what the purpose of the agency is? I suppose I can get an attorney friend to help me file a lawsuit, but not sure I understand why any of this is necessary. Simply wire me the funds that I am owed, plus interest and - if there is any justice - compensation for the hours wasted.
Consumer complaint received 2023-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act 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 reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last 4 of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXX XXXX XXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Consumer complaint received 2024-07-19
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: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX  2024, I was given hard inquiry on my XXXX credit report from American Express, but I did nothing to be given an inquiry at the moment from American Express I did not apply for anything whatsoever. I was notified of this by XXXX XXXX. I immediately called American Express to try and get this situation figured out. I explained to them how there was an inquiry given to me for no reason, they then checked to see what was causing this inquiry and could not figure out what would be causing an inquiry on XXXX XXXX 2024. I was then told by them to contact transunion to figure it out. I immediately did so, when I got on the line with a XXXX representative I explained the whole situation, they then checked and confirmed that their was a hard inquiry from American Express put on my report that day which was XXXX XXXX 2024. I was then told in order for me to get this inquiry removed I would have to contact American Express and get an inquiry deletion letter from them. I would then have to write my own letter with a request to delete the inquiry, and then combine the XXXX letters and send it to transunion, in order to get it removed. So I proceeded to call American Express back to try and get a deletion letter, but like before they could not figure out what was causing an inquiry on XXXX XXXX 2024. They told me that their were no applications or accounts that would cause an inquiry on XX/XX/XXXX therefore there is nothing that can be done on their behalf nor can they give me an inquiry deletion letter. This left me with nothing to do, I cant get XXXX to delete the inquiry without a deletion letter from American Express and I can not get a deletion letter from American Express because their is nothing showing as to why their would be an inquiry reporting to my account on XXXX XXXX 2024.
Consumer complaint received 2024-01-06
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. (NC)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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 2023-07-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've asked that this account be deleted from my XXXX Credit report because payments were met and it's still revolving monthly on XXXX credit report. XXXX is the worst about removing old information from consumers reports. I disputed this se account with experian and it was deleted, so it should be deleted from the rest. Frankly, I'm tired of looking at the same old accounts each month on my credit report. I want this Deleted.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I cashed out {$5100.00} from cashapp to my online XXXX banking account on XX/XX/ at XXXX XXXX. The money was not received as XXXX advised the transaction rejected due to being over {$1000.00} limit. XXXX advised the amount will be returned to the sending party. Cashapp has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 2024-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

They called my cell and said they were sewing me for bank America for an old overdraft account which I did not have. There phone number is XXXX there name is XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (GA)

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  has violated my rights. Or a list of inquiries : 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 2024-01-06
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: Experian Information Solutions Inc. (FL)

I have a leased XXXX XXXX with XXXX XXXX  and for the first time after 6 years there was a misunderstanding between XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason XXXX didn't get the money, no one from XXXX XXXX contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did XXXX charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by XXXX XXXX now this action on their part dropped my credit score by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXXXXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately.

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.
Consumer complaint received 2024-04-13
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They close my account with any explanation and then they said to me that they sent the closing checks for my both accounts ( checking and savings ) but i never received the checks and i call to Bank of America and they said to me like a departament hold my checks and i ask for a Reason to solve the problem and they dont Give a response
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Spring Oaks Capital, LLC (GA)

I reached out to them and was told they were not sending me anything and I will soon be brought up on charges and arrested in regards to this account also called me out of my name and said niggas like me never pay anyway laugh and hung up