davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I placed an order with XXXX and then found my identity had been stolen, most likely by the company XXXX later deemed to be fraudulent, and funds totaling {$9500.00} were withdrawn from my US Bank account. I filed a claim with US Bank, who did not send the forms, as they advised would be sent, relating to the claim, and without hearing the details of my claim, closed the claim, to my detriment. The monies that had initially been refunded to my account, by a third party, were then reflected as a reversal of a US Bank credit. It appears US Bank is claiming the monies returned by a third party. I explained I had not received calls regarding the claim, nor the return calls of supervisors, as I requested, on XXXX separate occasions. I was then advised by US Bank that they had returned my calls on specific dates and at specific times. I reported to US Bank that I have phone records indicating otherwise. I was initially refused the option to appeal and reopen the claim, until I explained I could prove they did not act as they stated they had. The claim was then reopened. Once again, I was advised I would receive paperwork, but no paperwork was sent. The funds were deposited to my account, this time, as a deposit. Today, I received a letter stating US Bank has determined the transactions were authorized. THEY WERE NOT AUTHORIZED AND THE TRANSACTIONS WERE FRAUDULENT. US Bank claims this was based on account history and pattern of use. I NEVER authorize the deduction of and/or spend this much money, all at once. US Bank further advised in their correspondence that any closed accounts will be reopened, so that I may be charged. If US Bank were to really look closely, theyd find Im an excellent customer, holding XXXX accounts, all in good standing. Some of these accounts were opened by US Bank, without my knowledge, or consent ( promises of a better rate on what they lead you to believe is your existing account, only to open another account ( obviously, there is some type of employee bonus or compensation in reference to these practices ), and an overdraft account application ( account was opened ) hitting my credit, without my consent ). Clearly, there are unscrupulous actives occurring within US Bank. I will take this to court, should this affect my credit score and/or if I am placed on XXXX, or should I be held responsible for these funds. I am fully prepared to take legal action if this is not rectified. I have been denied Duty of Care, as breached by US Bank. US Bank fabricated a narrative, stating a fallacy when they incorrectly allowed the withdrawal, with no alerts sent to question these large transactions, and when the transactions were outside my pattern of spending. US Bank falsified the findings of my authorization and pattern of spending and, once again, Duty of Care has been breached.
Consumer complaint received 2023-09-18
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. (NV)

In accordance with ther Fair Credit Reporting act XXXX Account #, 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 withou my written instructions.
Consumer complaint received 2023-11-24
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. (OR)

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated. How is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
I also noticed each agency lowered my credit scores after I filed a complaint of inaccurate and or unfair reporting/use. According to federal law and the fair credit act it is strictly prohibited to retaliate against consumers for requesting remedy or corrections to their reports. 

They also violated my rights under : 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts and corrections are not made and removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

My personal information was stolen XXXX,, and since then I've been noticing and seeing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX
Consumer complaint received 2024-04-17
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. (MA)

This agency is not reporting fair and equitable to me as a consumer in regards to privacy and confidentiality. 15 USC 1681 Permissible Purpose section 602 protects consumers rights to privacy, 15 USC 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666 b states a creditor may not treat a payment on a credit account as late for any purpose Action to be taken, remove and update all late payments on report
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-11-24
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-24
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: Experian Information Solutions Inc. (MO)

My original dispute began on XX/XX/, experian provided me a letter stating the inaccuracies I disputed were verified by the furnishers, I then requested a reinvestigation with experian on XX/XX/XXXX  which gave them an additional 15 days to reinvestigate these inaccuracies. Experian replied has taken more than 15 days to reinvestigate these inaccuracies and has not followed the rules of the FCRA of performing a proper reinvestigation. They have not contacted neighbors, friends, or family of mine for their reinvestigation or me, which makes their investigation unfair and partial. Failure to willfully comply with the requirements of the FCRA will lead to civil liabilities pursuant to 15 USC 1681n.
Consumer complaint received 2023-11-24
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2023-08-01
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. (GA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (IA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit card — Store credit 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: CITIBANK, N.A. (NC)

On XX/XX/2023, I purchased a washer and dryer from Home Deport with a CitiBank credit card I signed up for in order to get a discount. 

After multiple attempts, Home Depot was unable to deliver the correct dryer. I have receipts where I was credited for the dryer, each time they could not deliver it to my residence. 

Recently, I tried to reach the Home Depot Credit Card website because I kept getting phone mail messages about a late payment while I was at work. I was unable to create a password and I finally was able to wait on the phone for a customer service person, when I received one of the phone calls ( day off. ) The person on the other end kept asking me for personal information to verify an account, but would not tell me which account. Finally, after I explained I was not going to give out personal information over the phone from a phone call I received without knowing the details of the account, the person on the other end let me know it was Citibank for Home Depot. 

When I finally received a statement in the mail ( XX/XX/ ), the balance on the account was incorrect. The balance included what appeared to be a charge for the returned dryer. 

When I contacted Citibank card services, they indicated that even though I had electronic receipts detailing the credits for the dryers, they did not want them. They could not help me. It was my responsibility to go to the Home Depot and get the account balance straightened out. 

When I asked for an explanation as to why the electronic receipts did not reflect on my account, when the credits were clearly made on my credit card account. They could not explain and eventually just hung up on me. 

I am just now receiving a statement and aside from the phone calls, I did not receive any additional correspondence regarding the bill. I was under the impression I would not have to start making payments until they resolved the issue with the dryer. However, in addition, I have what appears to be a late charge on my account. 

I am concerned because this type of thing is hard to navigate for XXXX  people. Having these types of policies, where credits made electronically on an account do not register is unfair at the least. I had to navigate long wait times, multiple phone transfers, rude customer service personnel and eventually being ignored and hung up on. There is a segment of our society that would not be able to work through that and would probably end up paying the unfair charges.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America use to charge me fees on my credit card for no reason I paid my credit on time and every few month they stopped my account and freezes it they said my immigration states I had to go to the branch and submit all the documents in the meantime I couldnt use my money
Consumer complaint received 2023-12-24
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-09-01
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX I tried to solve a problem with my XXXX account. This account had a limit in the XXXX of {$500.00} where it shows me that the XXXX XXXX XXXX was {$2000.00}. I have disputed this account on several occasions with the company and the agencies that show the report, giving me a negative response to my requests and demonstrating that the information is correct and accurate. I will then present a series of errors presented by the account so I demand according to the FCRA statutes that it be removed from my credit report as soon as possible and that the information sent here is taken into account and do not send me a letter again telling me that I am not authorized to file a dispute as they did at the time Previous by this means. 

First the account shows 33 months in review and in the payment status does not show the same amount this information was disputed and for its effects as you will see in the attached images they placed that the months without review are not checked they only have a CA that was made in XX/XX/XXXX the last report. but the account its last date of activity was in XX/XX/XXXX, as if that was the last date of activity of the account presents then 8 months of report showing information that can not be verified, then it shows that 33 months were reviewed but the account says to be closed on XX/XX/XXXX, XXXX and then it shows me 6 months of payments per day and the information again inaccurate and incorrect. 

As an account with a limit of {$500.00} it can have a balance of {$2000.00} exceeding the limit of the XXXX by 400 %, kindly requesting that it is an account that presents a number of incorrect information and that shows an analysis of months and does not present a complete or verified information I kindly ask that a re-investigation be carried out since unfortunately it shows indifference in all credit agencies in XXXX shows that the account presents a late payment only in XXXX and XXXX and that in XXXX the account was closed without having any new history, in XXXX it shows that the months are XXXX and XX/XX/XXXX, and in Equifax it shows XX/XX/XXXX XX/XX/XXXX and then XXXX XXXX and XX/XX/XXXX where by XXXX the account was already closed.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-24
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. (NC)

According to the Equifax data breach my data was effected. My information was bought and sold without my permission or consent. Because of this data breach I want the accounts listed on the attachment deleted immediately. Equifax, XXXX, and XXXX has not responded to any of my documents sent to their company via mail. Can you help me remove these items? Because of this data breach I was charged 10.74 % APR on my car loan. I was denied access to purchasing a home and denied credit extensios. Equifax XXXX and XXXX all need to delete the items that are attached. I sent letters to all three companies with no response or actions.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.
Consumer complaint received 2023-12-24
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. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.