davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 







Also the document upload on the portal is not working and it will not let me upload the supporting documents that I have. I have the fraud report that that i filed, my drivers license and my social security card to verify my identity. please email me with a link to a upload portal so that i can attach/upload the supporting documents that i have for this complaint. Thankyou.
Consumer complaint received 2023-10-11
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)

I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. Account Details : XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

Hello, I received a letter in the mail from Chase bank in the mail XXXX XXXX. The letter, dated XX/XX/XXXX stated that I needed to provide Chase information to show proof of my identify within 14 days. I found it strange because I have had the account in good standing since XX/XX/2022. I faxed the info requested to Chase on XX/XX/XXXX to the fax number provided on the letter. Come to find today my account has been closed. I can provide proof the day the letter was delivered, the letter dated XX/XX/XXXX, and the date the fax was delivered to Chase. I find this to be unfair, business practices. I would like a resolution with a clear explanation how I was at fault. 

I can also provide the actual fax I sent to chase if needed. 

XXXX XXXX
Consumer complaint received 2024-04-06
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hi, I signed up for a Citizens Bank One Deposit Checking in early XXXX and applied online with a promotional code that was accepted upon applying. ( XXXX ). The promotion was as follows : Get {$300.00} when you open your first new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Earn {$2.00} for every debit card purchase you make, up to {$100.00} within the next 60 days. 

The agents on the phone confirmed that I completed both the direct deposit and the 50 transactions and specified that per the terms I should be paid by XX/XX/XXXX. Unfortunately, I did not receive the bonus and after calling three times and asking for information, I was told different reasons such as, the " promotion was not linked to your account '', " you had to go in branch '', etc. Agents were dismissive and did not want to resolve the issue. 

In fact, this promotion seems to run all year round as I can still find it at XXXX : XXXX? 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
Consumer complaint received 2024-02-01
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 (NC)

I have been on hold for hours and have called multiple customer service lines only for the customer service rep to not understand my complaint or the situation that is occurring. Also the customer service reps are obviously non-native XXXX speakers which isn't an issue but it is frustrating when I can not understand them and they can not understand me. AMEX claims that this card can be used anywhere and I tried to use it at an authorized retailer ( walmart.com ). AMEX is accepted at XXXX and XXXX. I am trying to purchase a bedframe for {$150.00}. The remaining balance on the gift card is {$940.00} so there should be no problem at all to use the card since the balance exceeds the purchase amount. It is very frustrating that I receive this gift card for all my hard work and that I can not even use it at most places even when amex has posted on their website that XXXX is an authorized retailer. Customer service reps continue to transfer me to different departments and hanging up on me and none of them seem to know the correct answer or how to help me. Then they asked for my email address and physical address which I provided since that was another " security verification step '' that was needed even though I have never had to do that with a gift card before. I have also called XXXX multiple times and they say that the problem is with Amex. I call Amex and they say the problem is with XXXX. So no one seems to know who is at fault or how to help me. They want me to use a different form of payment but that is literally the reason I got the gift card so that I could use on this purchase!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (IL)

I am filing this complaint to CIC CREDIT for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-04-06
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. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Institution : Goldman Sachs Bank USA Product : Apple Card ( Credit Card ) Description of the Incident : On XXXX XXXX XXXX XXXX XXXX XXXX I unexpectedly received notification that my Apple Card account was closed. Despite my frequent use and maintaining a XXXX balance, the account was abruptly closed without a detailed explanation. The communication stated that I could request specific reasons for the closure from an Apple Card Specialist. 

Subsequent interactions with customer support were unfruitful, yielding only vague responses that the account was closed for regulatory reasons, without further explanation. Multiple follow-ups and a promised detailed statement resulted only in receiving a PDF of the initial closure notification. 

In attempting to reapply for the Apple Card using the same Apple XXXX, I faced the impracticality of switching to a new Apple XXXX, which is intertwined with my personal data and purchases. 

Recently, I received passive notifications about new statements and a mysterious credit of {$5.00} to my closed account. This raises several concerns : How can a closed account receive a credit? Why was I not directly informed of this transaction rather than through an indirect statement notification? Was interest paid on these funds, and why were they accepted on my behalf when my account had been closed without my consent?
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-12-12
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. (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 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 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 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Newport Intermediate Inc. (NY)

I received a pre-paid card returning a balance I had after closing an account with XXXX. 
On XX/XX/2024, I received a pre-paid card returning my balance. The information provided said the card program was managed by North Lane Technologies , Inc., and that the funds are held at XXXX XXXX  XXXX. 

The information provided included a phone number and website for activating the card, and included a website for a bank transfer or a paper check. I entered the website for the bank transfer/paper check and the website did not exist. I tried calling the number to request a bank transfer and I was unable to speak with a person. The options available on the automated phone line did not include a transfer of funds. 

It appears that Northlane may now be a company named Onbe. None of the options on Onbe 's website would resolve this issue.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX  Account # XXXX with a balance of {$360000.00} is reporting to XXXX XXXX and Experian credit reporting agencies as XXXX  days late in XXXX of XXXX. It is also reporting as paid on time for the months of XXXX XXXX of XXXX This would mean it would be impossible for me to have paid on time in XXXX and XXXX of XXXX and was late on the same account XXXX  days! The Fair Credit Reporting Act states all information must be accurate! On XX/XX/XXXX I requested a bank statement showing I paid this account late and this request was rejected by XXXX XXXX  Representative. The burden of proof to prove a consumer was late paying on an account is on the the XXXX XXXX XXXX and the data Furnisher! See XXXX XXXX XXXX XXXX XXXX ( XXXX ) United States XXXX XXXX XXXX XXXX XXXX No XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My wife and I purchased a vehicle for {$54000.00} in XX/XX/2023. We both have sub par credit and are working on fixing it. We purchased this vehicle with a extremely high interest rate with hopes that with on time payments we would refinance in a year. XXXX XXXX XXXX has not reported our on time payments. We've emailed and called several times and get no updates or results. This is predatory lending practices to keep a high interest rate and not allow other finance options. 
This is a {$1200.00} payment made on time every month. We even made a extra payment to principal but was never applied to the principal by the company. Now over a year later our credit has not changed due to the fact that no payment history is being reported.
Consumer complaint received 2024-04-06
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. (NY)

These hard inquiries are fraudulent and doesnt belong to me and need to be removed.also the nest as well.Thamks XXXX  XXXX and XXXX. 
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
Consumer complaint received 2023-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (OK)

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with L J Ross Associates. On XX/XX/2023, LJ Ross Associates reported a balance of {$500.00} which negatively affected my credit rating. I asked for validation of the debt to which they did not provide. I have disputed this account with XXXX, but the account was not removed.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2023-12-12
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. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.
2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2023-03-25
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: 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. 

Account name : XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # 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 2024-05-20
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. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.