davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (GA)

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 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 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-14
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. (RI)

I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX AcctXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX XXXX XXXX XXXX Acct # XXXX /Acct # XXXX
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/2023 I received a credit denial for a used car loan amount of {$30000.00} from Navy Federal Credit Union. The key factors listed for the denial listed the following reasons : Serious Delinquency ; Too many consumer finance company accounts ; Number of accounts with delinquency ; and ratio of revolving balances to credit limits are too high. I ordered my credit report and discovered the reasoning for my denial did not coincide with the report. I know the real reason for the denial was/is XXXX discrimination.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2023-12-15
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. (AZ)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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)

Upon reviewing my credit report, I found inaccuracies in certain sections. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus are obligated to authenticate these accounts. It's impermissible to label these reporting accounts as unverified without presenting evidence within the legally stipulated timeframe. The following erroneous information in my credit report requires investigation and correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Filed : XX/XX/XXXX XXXXXXXX XXXX  Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX  Their website confirmation says " You have requested to opt-out of our search results for the following person : Name : XXXX XXXX Location : XXXX XXXX, PA We have sent an email to : XXXX IMPORTANT : Please check your email, including the bulk or spam folder for the email, and click or paste the link into a browser to confirm your removal request. '' I never received an opt-out email from them, including in my junk folder. This deprives individuals from being able to actually opt-out from having their information on their website.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

Dear Consumer Financial Protection Bureau ( CFPB, ) I, XXXX XXXX, am writing to lodge a complaint regarding American Express Company 's request for my personal information and their compliance with the Dodd-Frank Act. 

In response to a letter from American Express dated XX/XX/2024, I have provided the requested personal information, including a copy of my Florida driver 's license and a recent bank statement. As a conscientious consumer, I understand the importance of providing accurate information for my protection and record-keeping purposes. 

Additionally, I am aware of the Consumer Financial Protection Bureau 's role in safeguarding consumers from unfair or deceptive trade practices. I believe that as a consumer who has submitted applications ( " Securities '' ) to American Express, I am entitled to credit for the value and consideration I have provided. 

I am eagerly awaiting the delivery of my requested American Express credit cards ( 1 ) Blue Cash Everyday ( 1 ) Platinum Card and expect American Express to comply with the Dodd-Frank Act to avoid any violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308.
Consumer complaint received 2024-04-05
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. (NY)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$530.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (NC)

Complaint ID : XXXX and XXXX Per these 2 complaint IDs, XXXX XXXX XXXX the Vice President of Compliance for Automated Collection Services , Inc. ( ACSI ) responded to my complaints and he was not accurate in his assessment of my debt, so his company is reporting the wrong debt. He stated in his response that " On XX/XX/XXXX, XXXX XXXX adjusted XXXX XXXX to {$190.00}, and also provided a payment record for a payment of {$63.00}, making XXXX XXXX current balance due {$130.00}. ". This is incorrect upon calling XXXX XXXX on XXXX XX/XX/XXXX they advised my balance was {$63.00} because of returned items being REMOVED, this is why I have been disputing the claim from the onset. I made said {$63.00} payment on the same day NOT the XXXX. If XXXX XXXX would look at the statement he sent me in his response he would see that 2 items Unreturned Emta for {$60.00} and Unreturned XXXX Router for {$76.00} totaling {$130.00}. If he subtracts the {$130.00} from the bill amount of XXXX he will see the remaining balance is {$63.00} which I provided to him as an attached document of the correspondence between XXXX and myself. XXXX XXXX then stated, " Please find attached a copy of XXXX XXXX final account statement and transaction history attached to this response for her records. '' Yes the final bill is from XXXX, not XXXX, also for his records I'm male not a female as he referred to me a " Her ''. Upon his response I contacted XXXX XXXX they stated I now owe {$2.00} for requesting an updated bill dated XX/XX/XXXX. I paid the {$2.00} today XXXX XX/XX/XXXX and proceeded to XXXX ( XXXX XXXX ) in my city and received a copy of the bill showing a XXXX balance which I have attached. If XXXX XXXX would look at this document he will see the {$63.00} as PREVIOUS BALANCE and {$63.00} as RECEIVED PAYMENT which made the remaining balance {$0.00}.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (FL)

Onemain is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

i sent 3 times the endorsed remittance coupon and instructions to the XXXX. and the remittance department of citibank as per federal reserved act section 29 on XX/XX/23, XX/XX/23, XX/XX/23 certified mail for them to transfer the interest- positive value of the bearer security to the principal to set-off the account and bring it to zero and they did not do the fiduciary duty they have and they close my account. 

i sent on XX/XX/23 the remittance again and an adverse action letter to the vice president for him to open back my account to transfer the positive value of the bearer security and stop denying me my right to extend credit.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

For several years Ive had this phone number and some debt collector calls looking for a XXXX XXXX or XXXX. She must of had this phone number before they assigned it me 6 years ago. No matter how many times I tell them I'm not her and this is my work phone they tell me they will remove me from the call list but they continue to call leave messages and now they are sending text message trying to obtain money from me after Ive told them that I'm not this person and that they have the wrong phone number and person. They have been harassing me for over 6 years now and its become disturbing and stressful. I'm a XXXXXXXX XXXX XXXX  and this is my work phone and I can not afford the text messages they keep sending me. No mater what I do they are relentless in collecting their debt from the wrong person. I'm not XXXX XXXX she must have given them the wrong number and I'm suffering the consequences for her unpaid debt. TrueAccord is a debt collector I reached out to them again after they texted me on XX/XX/XXXX  to let them know that Ive never had an account with the said company and my name is not XXXX or XXXX. They are stating that this person took out a loan from XXXX XXXX XXXX XXXX for XXXX. I told them I this is not my account and they keep calling and texting me. Their pone number is XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Account SUNCOAST CU Account # XXXX Date Opened : XX/XX/2XXXX High Credit : XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CashRepublic Holdings, Inc. (KS)

per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given OMNI FINANCIAL OF NEVADA written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per XXXX XXXX XXXX Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under XXXX Form of opt out notice to consumers ; opt out methods, XXXX CFR XXXX ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. 
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX. 
( XXXX ) 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. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
( g ) Duration of consumer 's opt out direction. 
( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 



OMNI FINANCIAL OF NEVADA DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER BUT I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO OMNI FINANCIAL OF NEVADA
Consumer complaint received 2024-04-28
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

Hello I recently was given a copy of my background check that was obtained from an employer I recently applied to. And they are considering withdrawing my application for which I had already been offered the position to start in a few weeks, due to this inaccurate information listed on my background check. It states that I have a felony on my record, for which I do not. I already told them about the misdemeanor charge that I have had in 2018, to which was on there as well, but when I got charged for that then, it was XXXX counts of misdemeanor XXXX charges. Two of the same charge. But my background report says that I was charged with a misdemeanor and a felony both for the same charge, which is incorrect. I have proof of this documentation if needed.
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I have been a victim of identity left. My identification card was stolen and my social security card was stolen. The individual who stole my information opened an old navy credit card without my consent. I reported the crime to the Barclays ( old navy ). The fraud started on XX/XX/. Barclays ( old navy ). Completed an investigation on XX/XX/23 and determine there was no crime. Witch is false. I have reported this to alameda police department. 
XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was in XXXX Florida. I lost my phone/stolen and visited Bank of America branch . I met with an XXXX in parking lot. I understood him to be completely attending the customer into the bank branch in XXXX XXXX and confronted a stranger. He apparently was acting some kind security. I attempted to get service at a branch in XXXX, Florida. I met with complete hostility by employee 's Bank of America. I guess I didnt speak XXXX. What is it about culture politics and banking. Florida, California, Arizona, New Jersey. are some of the culture politics and banking. Finance, transportation are area of business shouldnt be based on classism, ethnic background.