davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (OH)

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. 
XXXX : XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Consumer complaint received 2023-12-01
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. (SC)

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures.

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future.

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by XXXX XXXX XXXX XXXX and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Consumer complaint received 2023-04-15
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: AMERICAN EXPRESS COMPANY (TX)

ear Federal Trade Commission, I am writing to lodge a formal complaint against American Express regarding my application for the Blue Cash Everyday card in the summer of 2022. Despite my cancellation request, I was shocked to find that my credit report had been negatively affected by the balance shown on my American Express account, which I never used as I never received the card. 

I have attempted to resolve this matter with American Express, but to no avail. I initially contacted their customer service team, and I was informed that an investigation was underway. However, it has now been over 4 months, and I have not received any updates on the status of this investigation. This delay has caused me undue stress and financial hardship. 

I urge you to investigate this matter thoroughly and take appropriate action against American Express for their negligence in handling my account. I believe that American Express has violated consumer protection laws and regulations by allowing a balance to accrue on an account for a card that was never received and canceled. 

I request that you hold American Express accountable for their actions and provide me with compensation for the damage caused to my credit rating and the inconvenience and stress that this situation has caused me. 

I look forward to hearing from you soon with a resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts have been charged off over 3 years ago however they are still being erroneously reported. 

The accounts are attached to XXXX XXXX for the following amounts : {$14000.00}, {$11.00}, XXXX reporting to XXXX, Experian and XXXX. 

Reporting to Experian for {$4300.00} 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law of regulation forbidding something As defined by The Internal Revenue Service ( IRS ) Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax. 
The IRS clearly defines a charge off as Gross or Ordinary, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s- 2 says XXXX XXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate. 
The lender must file Form 1099-C and send you a copy of the amount of debt canceled is {$600.00} and the lender is a financial institution, credit union . Federal government agency, or other applicable entity as discussed earlier... 
The above paragraph is taken directly from IRS publication
Consumer complaint received 2021-08-26
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: FIRSTBANK PUERTO RICO (FL)

I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.
Consumer complaint received 2023-12-01
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 appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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: KEYCORP (NY)

On XX/XX/XXXX I clicked on an Ad on XXXX that advertised XXXX XXXX backing XXXX XXXX XXXX XXXX. It looked like a legitimate website, but after purchasing, it seemed fishy. I received a confirmation email from " XXXX  XXXX XXXX, '' and one said it would show on my credit card as " XXXX XXXX XXXX. '' They other charge on my card said it would be from " XXXX  XXXX XXXX. '' I called KeyBank on XXXX XXXX, XXXX to say I wanted to cancel the purchase because something didn't seem right. They said to wait to see if I receive the item. 

I did receive a bottle of Keto Gummies. I received one a month later as well, even though there wasn't auto purchase set up. When looking at my credit card later I noticed that there were strange charges on it. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX- {$38.00} XX/XX/XXXX : XXXX XXXX XXXX- {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} XX/XX/XXXX : XXXX {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} I didn't make any of these purchases, nor did I receive anything. However, the bank denied my dispute TWICE because they said it had my information, email and address on file. ( Probably because I ordered the keto gummies prior to this ) The bank said they had tracking numbers from USPS associated with the orders. 

For the orders that were : XXXX and XXXX, the USPS tracking number was : XXXX. 

For the one that was XXXX the USPS tracking number was : XXXX. 

When looking up these numbers the website says " Label created, not yet in system. '' When looking up what this meant, it says that someone has made a label, and it can be independent businesses, but has never been dropped off at the post office to be mailed. The message is the same after 7 months. 

Furthermore, when I started looking into the keto gummy scam, the following websites gave me more information. 

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  KEY BANK CLEARLY DID NOT INVESTIGATE THIS DISPUTE LIKE THEY CLAIMED THEY DID.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Specialized Loan Servicing Holdings LLC (TX)

I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form... You have stated on the attached statement showing that interest and taxes accrued right up until the day of closing. 
I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.
Consumer complaint received 2024-03-30
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. (GA)

I filed a complaint on XX/XX/year> with XXXX, Experian, and XXXX via the CFPB. I asked them to remove some inquiries from my credit report that did not belong to me, but they would not comply. These unauthorized inquiries are a result of identity theft. 15 U.S. Code 1681c2 states that ( a ) BlockExcept as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. I attached the a list of the unauthorized inquiries as well as my FTC report. THESE TRANSACTIONS WERE NOT MADE BY ME. I NEVER GAVE WRITTEN CONSENT TO PULL MY CREDIT. YOU HAVE 4 DAYS TO REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT!
Consumer complaint received 2023-11-08
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. (IL)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. 
As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. 
Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. 
Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

Taught this case with this company fully closed with complaint I have made please see case XXXX XXXX. 
Today I am very disappointed to receive this letter again. The company didn't even pay XXXX XXXX  as it was suggested. Now TD bank tries to reclaim money from me. I have closed my account with TD bankXXXX and didnt owe any money. Please see previous complaint. Please review letter sent by company dated and thier plan after XX/XX/XXXX, XXXX is so annoying and deserve relief to thirr false claim. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Identified information in my consumer report is inaccurate and incomplete. Reporting company violated my right to privacy 15 USC 1681 section 602 A, and I want items removed immediately.
Consumer complaint received 2023-12-01
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)

PLEASE SEE ATTACHED To Whom It May Concern, While checking my most recent credit report, I noticed 2 hard credit inquiries, 3 Accounts, and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : XXXX Account Number : XXXX XXXX  XXXX Account XXXX XXXX  Account Number : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 

I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX and FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me both wet-seal signatures of XXXX, XXXX XXXX, XXXX, and myself and Original Security documents showing true accuracy. 

XXXX has deleted this information but Experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of the notice. 

Experian will be in violation of 15USC 1681n ; civil liability for willful noncompliance and 15USC 1681o ; civil liability for negligent noncompliance if chooses not to do so. 

The reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-03-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2022-02-23
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)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer