davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (MS)

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.

has violated my rights. Or 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 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I took advantage of a 0 % interest balance transfer offer and transferred {$8000.00} onto my credit card. At the time, my credit card balance ( on " purchases '' ) was {$300.00}. In XX/XX/XXXX and XX/XX/XXXX, my monthly payments were large enough to payoff all purchases made in those months and little if any interest was charged to me. Typically, I use this and other credit cards judiciously by paying off purchase balances each month to minimize interest charges. 
In XXXX, we made multiple pre-purchases for an upcoming trip to XXXX using this card because one of it's benefits is no foreign transaction fees. ( The card has a $ XXXX/year fee. ) To minimize interest on these purchases, I made multiple online payments within days of the purchase transactions to Chase. 
Herein lies the problem. Payments are supposed to be applied to monthly minimum due first, next against the balances with the highest interest rates, and then to balances with lower rates. On my XX/XX/XXXX statement, this did not happen. The large payments I made were first applied to a small minimum due and then applied to my balance transfer balance ( 0 % interest rate ) and not against the purchase balance ( 23.74 % interest rate ). I was billed interest on over {$4000.00} I purchases even though I made payments to cover the purchases. it appears the same thing will happen until the balance transfer amount is paid off. 
This is blatantly unfair and I question the legality of what appears to be a bait and switch practice. Essentially, because I took advantage of the balance transfer offer, I can not apply payments against the higher interest purchases balance without first paying off the balance transfer amount, far ahead of the end date stipulated in the offer.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX  XXXX, and TransUnionregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

there are two transfers that were made from my XXXX XXXX XXXXXXXX account, through Zelle, to two separate accounts. The 2 transfers were made without my authorization and without my husband 's authorization ( it came out of our joint account ). Zelle 's security system is extremely weak, how can someone access our account and still make transfers? We have already opened a complaint 3 times and they have been denied. This is absurd, disrespectful to the customer. We've been customers for 5 years and we've never opened a claim with Zelle, we've never asked for any transfers to be returned, but this time we're going to do everything possible to have the reversal because we don't authorize these transfers. I don't know how to proceed from now on because I can no longer appeal to the bank. But I want to cancel my accounts and cards as soon as possible because I don't trust XXXX and Zelle anymore.
Consumer complaint received 2023-04-19
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
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. (TX)

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my XXXX XXXX and XXXX be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Enhanced Recovery Systems XXXX XXXX XXXX XXXX Original creditor. I have never had an XXXX account. I'm sure this should be on another XXXX XXXX XXXX account but this debt is haunting my credit file and causing me not to be able to get an apt now that I am out of college. I never had an XXXX account or any other phone or XXXX XXXX account. My parents still pay my phone bill on the family account for the last 10 years and it is not XXXX.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX Wells Fargo put forced placed insurance on my home in the amount of {$1700.00}. 
On XX/XX/XXXX Wells Fargo partially refunded my account after I provided proof of insurance. 
They refunded {$1000.00} on XX/XX/XXXX. 
On XX/XX/XXXX Wells Fargo fully refunded my account after a barrage of phone calls by me. 
They refunded {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX I requested Wells Fargo update my final payment statement to reflect these changes. 
On XX/XX/XXXX I called Wells Fargo re-requesting an updated final payment statement. 
During that conversation a Wells Fargo representative assured me that the final payment statement would be completed by XX/XX/XXXX and that the amount of my final payment would be reflected on my account at the Wells Fargo website. 
It is now XX/XX/XXXX and Wells Fargo has not updated my account to reflect the refunds they have issued. 
As of XX/XX/XXXX Wells Fargo shows my final payment as {$2000.00}. My final payment should be {$1000.00}.
Consumer complaint received 2023-10-10
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. (TX)

This formal complaint is against Experian. I have disputed with Experian a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Experian, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Experian 's reinvestigation, the inaccuracies still appear on my credit report. 

Experian is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX  XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Experian ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Experian has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NV)

XXXX apartments located in XXXX XXXX in XXXX, WA sent my move out statement to my old address they were updated on my new address. They did fraudulently report inaccurate credit information to national credit systems in XXXX GA to the tune of over {$3800.00}. Which was reported to the credit bureaus. This caused a major credit drop, credit denial, and eventually a very high interest rate to secure a car loan I desperately needed. I am a 1099 worker and I use my car for my employment. XXXX offered to remove the file from my credit, neither XXXX or national credit systems has to this day not removed this account from the bureaus. I also reached out via demand letter, neither have not offered any financial loss recovery and have not responded to my demand letter. I am taking them to small claims court.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my TransUnion Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2023-10-10
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. (CA)

I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00}
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Equifax is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Equifax has caused several denials to credit and loans
Consumer complaint received 2023-10-08
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  and 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
Consumer complaint received 2024-07-05
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: Paypal Holdings, Inc ()

Last XX/XX/year> at XXXX noon, PayPal emailed me stating that they needed a quick review of my account, hence they were requesting IDs and other proofs. By XX/XX/year> at XXXX PM, I had already submitted the proofs PayPal asked for, and they said my account was under review. After reviewing my account, PayPal emailed again on XX/XX/year> at XXXX AM stating that my account has been permanently limited. They mentioned, " Based on the information we have today, it looks like there was information used to create this account that we can not verify. '' However, I strongly believe there has been a misunderstanding or an error in the assessment of my account 's activities. 

This is my paypal email : XXXX XXXX
Consumer complaint received 2023-10-10
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. (GA)

My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I filed disputed in XXXXXX/XX/XXXXXXXX about my student loans ( all ) and XXXX, which had an erroneous, but corrected 30 day late. I then sent letters and documentation in XXXX of XXXX to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I noticed Equifax then if they did not correct that it was defamatory and I would institute statutory complaints and litigation. I sent a DEMAND they correct. I never heard anything back. I recently, in XXXX and XXXX of XXXX, sent Equifax the attached letter by XXXX Mail, and also filed disputes regarding the student loans XXXX XXXX XXXX XXXX ; US Dept of Education, Dept of Education, et al ) and the XXXX account, which despite corrected information still showed 30 days late. XXXX has had corrected information, and XXXX still had the improper information regarding XXXX which they finally corrected. I have sent emails to top personnel at Equifax in their Corporate Counsel with no reply, acknowledgement, results. They have fixed the XXXX 's item, but not the student loans, which are outdated, incorrect, and reported everywhere else as " paid as agreed/never late '' because they clock started ticking on them in XXXX or XXXX. Equifax has been willfully negligent to malicious in how they are defaming me, causing me pain, suffering, defaming me, and causing me grief and aggravation, and delay. The many ways that a erroneous reporting of credit has harmed me, and they have had every opportunity to correct the items, but have failed to do so. I have satisfied every statutory requirement for notification and demand for them to correct these issues. 
AS YOU CAN SEE FROM THE CREDIT SCORE DISCLOSURE ATTACHED, MY EQUIFAX SCORE IS MUCH LOWER BECAUSE THE FED LOANS ( STUDENT LOAN ACCOUNTS ) ARE STILL THERE IN ERROR DISPITE SEVERAL DISPUTES AND CORRECTED INFORMATION PHYSICALLY SENT TO THEM. 
XXXX of XXXX XXXX 's drops autopay and causes late, which they report, then FIX with all three CRAs in XXXX of XXXX XX/XX/XXXX Equifax is given a dispute on the XXXX account and all student loans, which are past date they may be reported, and were forgiven being reported as paid in full, as agreed XX/XX/XXXX Equifax is sent documentation on XXXX 's account and Fed Loans XXXX XXXX XXXX Disputed are made regarding XX/XX/XXXX and Fed Loand ( Dept of Ed/US Dept of Ed XXXX XX/XX/XXXX Disputes are repeated after 30 day allowance to correct XXXX of XXXX XXXX 's account is finally corrected, was told student loans were, but they were not XXXX of XXXX Student Loans still show lates, causing artificially low score XXXX? XXXX Equifax is sent demands to correct, contact, fix issues, emails sent to highest levels of Corporate Counsel of Equifax and numerous attorneys in the company, no proper response given. 
Equifax has been completely noticed.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank of america, close account and am not owing any amount XXXX XXXX, closed account and i paid the balance on i owned on the overdraft acct XXXX XXXX XXXX XXXX closed account and not owning too XXXX XXXX never had any transaction, identity theft. 
XXXX XXXX, closed acct and not owning any amount too.