davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-22
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. (VA)

I recently filed a dispute regarding incorrect information on my credit report. I received an email from the credit bureau stating that they believe the disputes are coming from a third party, which is not the case. I even called them to verify my identity, but they still refused to process my disputes. I feel frustrated, as I spent money mailing my disputes and sent personal information to verify my identity, only for them not to conduct a thorough investigation.I attached the letter, Documents, IdentityTheft report and Power of ATTY. Please delete all the acccounts included on my letter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax and they continuously report this fraudulent account to my credit report. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/23 : - An unauthorized withdrawal and transfer of {$9500.00} was made from my checking account to a fraudulent bank account. 
- I notified USAA of the fraud on the same day and we took actions to change my passwords/PINs and log-in information. I was assured given the fraudulent nature that I would be fully reimbursed. 

XX/XX/23 : - Contacted by member of USAA fraud team and informed that Initial review of fraud case was completed and that there was no fraud detected. They did not inform me how/why they came to this conclusion but they informed me that I could submit a re-review. 

XXXX present : - Multiple re-reviews completed with same nebulous, non-descript conclusion that no fraud was detected. They simply stated that this was based on multiple security reviews. They refused to share their fraud report with me. 
- Spoke to multiple members of the USAA Customer support team to include banking/checking specialists, member resolution team representatives and ultimately the USAA Office of the CEO. Their decision remained steadfast. 

Pending Actions per USAA : - USAA issued a Hold Harmless and Indemnification Agreement to a certain XXXX bank in PA requesting my withdrawal be returned. ( They have not received a response. ) - USAA Office of the CEOs stated that my reimbursement is contingent on this XXXX bank paying USAA back for the fraudulent withdrawal. 

Actions I have taken : - I have sought legal assistance from my military JAG colleagues who recommended I file a formal appeal. I have attached my formal appeal as a PDF to this complaint. It was submitted on XXXX. 
- I filed an official complaint with DCs Comptroller of Commerce office online referencing Regulation E of the Federal Reserve Regs, Electronic Funds Transfer Act 12cfr 205 ; that holds USAA liable. They directed me to the consumer finance bureau.
Consumer complaint received 2024-04-24
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. (FL)

Greetings hope all is well I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencips have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Il this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Transunion : 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 2024-10-20
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NY)

There are XXXX transactions on my XXXX XXXX XXXX  that I did not do. They are for a small about XXXX XXXX dollar tranctions. Evidence of terrible customer service. Not part of my complaint just being used as evidence. They closed XXXX of my Fortiva accounts and refuse to send me a letter of why they were closed after multiple attempts. Im not sure why they refuse me customer service on fraud report filed on XXXX through chat. They had no record and supposedly refiled it on XXXX. But to me cause a supervisor screwed up not my fault so XXXX is the date.
Consumer complaint received 2024-10-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (UT)

XXXX XXXX XXXX and their representative XXXX XXXX have failed to provide proof that the debt is mine. They also failed to respond to my request of information to verify the debt. XXXX has repeatedly called my workplace even after I requested that he do not contact my workplace. He has also repeatedly, sometimes four times in one day, called my cell phone despite being instructed to not contact me until after the verification documents have been sent and received. On the phone, he has used abusive language and forceful demeanor attempting to collect this alleged debt.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXXXXXX 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 2024-01-23
Product: Credit 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: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX I went to XXXX at self checkout and spent XXXX. Right after that I was charged XXXX at XXXX. XXXX xs I complained and they gave me a provisional credit and took it back. They say cause my card was scanned with logo and my card wasnt lost that I made the purchase. I have escalated many times to no avail. They are impossible. I went to complain to state troopers and they investigated and saw the person but the way the crook did it they could not get his name. They did not write that it wasnt me but told me on phone. I guess since there is no suspect, it was closed without resolution. The bank is TD bank XXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX filed a fraud claim for my checking account with JP Morgan chase. Account # XXXX on XX/XX/XXXX. The claim was in regards to a {$500.00} withdrawl from my account on XX/XX/XXXX from a non chase atm that I did not authorize. I reported the fraud the next calendar day which within the 60 day time frame that is given under the The Fair Credit Billing Act ( FCBA ). In the report I stated that their was an unauthorized charge but I still had the debit card in my possession. They proceeded to tell me that my card and pin had most likely been skimmed at a point of sale machine. JP Morgan Chase at the time of the claim reimbursed me my {$500.00} and {$3.00} non chase atm fee. On XX/XX/XXXX chase reversed that reimbursement of {$500.00} and denied my claim. Leaving my account negative {$420.00}. On a phone call with customer service on XX/XX/XXXX according to representative Chase denied my claim on the basis that the fraudulent transaction used my debit card pin. I believe this is a insubstantial reasoning for denying my claim they themselves told me that it is possible for thieves to skim debit card and record debit card security pins. The fraud was done at unknown atm that I never have used prior and I have never filed a fraud claim in previous years. I believe that chase is breaking the law by not reimburse my fraud claim as I reported it within the allotted time of 60 days under the The Fair Credit Billing Act ( FCBA ). And not providing an appeals process or explanation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I submitted disputes with Experian, XXXX and XXXX in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the XXXX XXXX has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Consumer complaint received 2023-07-02
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. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Company failed to validate debt and prove a contractual agreement. Several rights were violated. The debt is not mine. I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

Moments ago, XXXX notified me via email that they have completed the requested investigation of my previous CFPB complaint ( Complaint Number : XXXX ). I am exercising my right per the FCRA to request a reinvestigation. Within the aforementioned complaint, I specifically communicated and requested that ALL entities, due to a laundry list of valid and legal reasons to please promptly and permanently delete their respective accounts, and for any company that chose not to, to provide me with documentation, which I will list below. XXXX of the XXXX disputed companies did the right thing and deleted the accounts which they were reporting. However, the XXXX companies that did not delete the disputed information were APPLE CARD XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX, XXXX APPLE/GS bank is aware and have confirmed to me when contacted, that I was compromised. XXXX has already confirmed to me that they are aware the account is fraudulent, and have told me personally on XXXX occasions that they would remove the account. Both companies have, or used to have, on record, a previously filed and submitted police report and Federal Trade Commission complaint, and neither company has deleted their respective accounts. I have conformed that they have this documentation on XXXX occasions ; once in XXXX, and again in XXXX. I SPECIFICALLY stated in my complaint that ANY CREDITOR/ENTITY THAT CHOOSES TO NOT DELETE THE DISPUTED INFORMATION, MUST THEN 1. PROVIDE ME WITH SUFFICIENT DOCUMENTATION OF PROOF, EVIDENCING SAID VERIFICATIONS OF THE ACCOUNT ( S ) WHICH IS BEING FURNISH, -WHICH WILL HOLD UP IN COURT BECAUSE " ACCOUNT STATEMENTS '' WON'T SUFFICE ; 2. THAT THEY MUST UNDENIABLY PROVE THAT THESE ACCOUNTS AND ALL ASSOCIATED INFORMATION WITH THEM ARE FACTUALLY TRUE, CORRECT, TIMELY, ADEQUATELY COMPLETE, AND OR UNDOUBTABLE ; XXXX. FURTHERMORE PROVE THAT I AM WHOLLY THE RESPONSIBLE PARTY. APPLE/GS BANK and XXXX did NOT provide me with ANY documentation whatsoever. With that being said, -my name, address, phone number, email, or any other form of public information, real or not, associated with me or not, does not give anyone the right to use that to automatically verify any accounts that do not belong to me!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.