davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (TX)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
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: LEXISNEXIS (GA)

The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.
Consumer complaint received 2024-04-18
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. (SC)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-04-12
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: AMERICAN EXPRESS COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for their failure to properly address a fraudulent transaction on my account. On XX/XX/2023, I paid {$900.00} for a video game account through XXXX ( https : XXXX ), a third-party merchant platform, which was later determined to have been hacked and recovered by the original owner. Despite receiving confirmation from XXXX that I would receive a refund in such an event, the merchant has since refused to provide any assistance or refund. I have attempted to work with American Express to resolve this matter, but their dispute team has proven to be incompetent and unresponsive. Despite numerous attempts to escalate the matter and speak with supervisors, American Express has failed to adequately investigate or properly resolve my case. It is clear from the evidence I have presented that I was scammed and deserve a refund, yet American Express continues to protect the fraudulent merchant. American Express 's failure to protect its customers from fraudulent merchants like XXXX is unacceptable. By allowing bad actors to take advantage of their customers, American Express is failing in its duty to provide a secure and trustworthy platform for financial transactions. I am deeply disappointed in American Express 's handling of this matter and believe that they must take immediate action to rectify the situation. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold American Express accountable for their actions. I also request that the CFPB take steps to ensure that American Express and other financial institutions take more proactive measures to prevent fraudulent transactions from occurring in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (UT)

Hello, I have an account in Western Union Money Transfer. I have my sister 's contact and bank details stored as a receiver in my account. Between XX/XX/2022 and XX/XX/2022 somehow someone changed the bank details for this receiver. When i sent money to her a month ago, it was sent to the wrong bank account and the transaction was accepted and completed.
Consumer complaint received 2023-07-28
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. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization XXXX be violating XXXX U.S.C XXXX XXXX ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've already contacted you about this matter with XXXX XXXX I, XXXX and XXXX XXXX XXXX nothing has been done and I do not have nor ever had any dealings with either company. Both have sent mailings. 

I've never requested any information from them and the letters are saying I have.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

Called Wells Fargo regarding my mortgage payment. Due to covid hardship asked to skip one payment which would be deferred to end of loan which they offered in the past. Wells Fargo stated no longer offer that option but referred me to XXXX  XXXX XXXX  XXXX for XXXX  XXXX  XXXX  for help. Once enrolled and approved Wells Fargo was told the payments would be received for 6 months bu the Government agency providing this program. No negative credit reporting was stated by rep at Wells Fargo due to enrollment in program and was notified first payment would take up to XXXX weeks to receive thru the referred program. Wells Fargo reported me 3 months late causing me harm, not being able to get any other loan due to this late reporting. When enrolled in a government hardship program due to covid, which is suppose to help individuals impacted by this illness, the lending institution should be required not to report the person late since they will be receiving the funds and the consumer made every effort during communication to pay their mortgage. Wells Fargo has a history of bad business practices and fraud and has been fined millions of dollars and still they are harming their customers, especially when enrolled in government programs to help the consumer. There should be government regulations that should prevent this type of harmful actions when participating in programs to help consumers due to XXXX. Wells Fargo also did not report positive payments received from the program to the credit reports to show payments were made up to date. I had to call and open a complaint with the credit company to update the information. Wells Fargo knowingly hurt my credit so I could not change lenders and get other loans.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Submitted a complaint because I did not receive both items in my order when ordering with XXXX that came in the same box. Was asked to submit information via email in which I did and the next day Capital One emails me denying my claim stating I never sent anything via email. When I have proof of emailing them and even offered to forward the original email again. Called Capital One today XX/XX/23 and spoke to XXXX on XX/XX/XXXX where he told me I had until XX/XX/XXXX to submit the information. After him telling me that I asked how a decision can be made on a claim especially if I have until the XXXX, submitted before the XXXX and it's not even the XXXX yet.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I'VE ASKED FEW TIMES TO GET MY CREDIT REPORT AND WAS NOT SENT IT BY EXPERIAN. also, the alleged debt of nearly {$50000.00} on my account is improper, illegal and should not be there, and must be removed ASAP. Please remove it, from " XXXX '' or " XXXX XXXX XXXX '' - I am current on my account 100 %.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I mailed letter on XX/XX/XXXX to dispute some inaccurate information on my report. The letter was recieved on XX/XX/XXXX on XX/XX/XXXX I recieved an email stating they recieved information but are unable to process because I didnt authorize an 3 party in my letter I stated that I use a soft ware to help me create my letter which is not against no laws and they are violating 15. Us code 5 1681i and off of assumption they are delaying processing my letter due to an assumption which I stated in my letter as well as I attached my ID card and mail I was told that I can resend the same letter again which is not a guarantee that they gone to process the same letter
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

Chime Bank refuses to validate my government ID to regain access to my account.. 

As of XX/XX/2023 moving forward my SSI deposit has be stolen through unauthorized transaction Chime Bank refuse to dispute my case because my physical address for some reason does not accept replacement debit cards,
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, XXXX, XXXX and Lexis Nexis, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Consumer complaint received 2024-04-18
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. (MA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, XXXX inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (SC)

According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication 4681 ( XXXX ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

From the year XXXX XXXX till now XXXX. I have dealt with fraud activities on my credit reports. From all three agency. XXXX being number oneXXXX XXXX and XXXX Hard inquiries shown negative. Addresses names, spelled incorrectly. leaving my credit score very poor. Ive reported and disputes. Taking time calling companies trying to clear my report. Spending 5 to 8 hours a day on studying how to correct my score.Paying advocates out of pocket to help my score and which was fraud. Being a consumer has really shown me that the system is rigged and fraud activities on credit scores proven identity theft. With my data being breached from XXXX and resolution, I have documents to support my pain and suffering and I want to receive {$20000.00} in computation.
Consumer complaint received 2024-01-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have called AMEX Gift cards customer service 5 times to let them know that my gift cards have not been working. I keep telling them that it's been declined and yet they don't do anything about it. I have 5 gift cards that I got from my work company and they are active but declining.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

the debt is hurting me make progress with becoming a homeowner. I have no awareness of this account. I've asked for a copy of the contract with my wet signature. I asked for the method of verification they used before reporting any information to a credit reporting agency with out my permission.
Consumer complaint received 2023-08-07
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: Bread Financial Holdings, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.