davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (TX)

I NEVER RECEIVED ANY FORMAL BILL FOR THESE CHARGES IN WRITING FROM THE "ALLEGED" ORIGINAL CREDITOR SUCH AS A LETTER SENT THROUGH U.S.P.S WHICH WAS SENT "CERTIFIED MAIL, RETURN RECEIPT REQUESTED" I HAVE NO IDEA WHAT THESE "ALLEGED" CHARGES ARE FOR. THE APARTMENTS AND THE U.S.P.S, BOTH HAVE HAD FORWARDING ADDRESSES FOR ME FROM THREE (3) YEARS AGO. I HAVE RECEIVED NO WRITTEN CORESPONDENCE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND/OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    WHO SENT THIS TO A COLLECTION AGENCY (I.Q. DATA INTERNATIONAL) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHO PLACED DEROGATORY INFORMATION ON XXXX XXXX  AND XXXX CREDIT REPORT (WIHTOUT PROPERLY (LEGALLY) VERIFYING ANYTHING). I HAVE ASKED XXXX XXXX AND I.Q. DATA INTERNATION FOR A SIGNED COPY OF ANYTHING THAT VERIFIES THIS "ALLEGED" DEBT. NO RESPONSE. I HAVE DISPUTED THIS DEBT WITH) ALL THREE CREDIT BUREAUS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX ATTY GENERAL'S OFFICE XXXX TX)- A GOVERNMENT OFFICE-NOT A PRIVATE ATTORNEY)
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-14
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. (MD)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.
Consumer complaint received 2023-11-14
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. (TX)

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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Got XXXX unauthorized transactions from Bank of America debit card through XXXX  : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. 

Bank of America refunds me with the first one but marked the other two claims as " claim not paid '' reported to both the FDIC and the identitytheft department
Consumer complaint received 2018-11-20
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: CITIBANK, N.A. (LA)

I recently contacted Sears/CBNA credit card regarding my credit card account reflecting 30-60 days late ( XX/XX/2018 ) on my XXXX, XXXX, and XXXX credit reports. After discussing with Sears/CBNA that they did not have the proper contact information, this company refuses to reverse the 30-60 days late in XX/XX/2018. In the attached letter, the company acknowledges having the incorrect phone number and acknowledges they were not able to contact me by phone regarding the delinquent payment at the time, AND still does not remove the 30-60 days late in XXXX. The company states I received a paper statement and that should suffice but again, does acknowledge having the wrong contact number for me. I have since closed this account due to the lack of integrity within this company. I am requesting that you investigate this matter and either delete this account from my XXXX, XXXX, and XXXX credit reports or remove the 30-60 days late payment history from XX/XX/2018 on all three credit bureaus. I have attached Sears/CBNA 's response to my letter requesting the removal of the 30-60 late payment, and again, they acknowledged having incorrect contact information listed on my account but refuse to remove the late payment. According to US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, I am entitled to have correct payment history reported or else this will be a law suit for defamation and financial injury.
Consumer complaint received 2024-05-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. 

I am writing to urgently bring to your attention a serious issue involving fraudulent activity on my Money Network account, which is owned by Fiserv Inc. As a federally insured banking institution overseen by the FDIC , I am reaching out to request a thorough investigation into the actions of Money Network, as they are unlawfully withdrawing funds from their customers ' accounts. 

On XX/XX/2024, I discovered that funds were fraudulently wired out of my Money Network account shortly after a deposit from EDD was loaded onto the card. It appears that someone gained unauthorized access to my account and transferred funds to an unknown destination. Given that I did not authorize this transaction, I strongly believe that Money Network is responsible for this fraudulent activity. 

This incident has caused me significant financial hardship, as I am unable to access the funds that were stolen from my account. Despite submitting a dispute with Money Network, I have been informed that it could take up to 45 business days to resolve the issue. Unfortunately, I can not afford to wait this long, as I am currently unable to pay my bills and meet my financial obligations. 

I believe that Money Network 's actions constitute a serious breach of trust and raise concerns about the safety and security of customer accounts. As a federally insured banking institution, it is imperative that Money Network adhere to the highest standards of integrity and accountability. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into Money Network 's practices and take appropriate action to protect the interests of its customers. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation that may be required for the investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (LA)

I have initiated a previous dispute with CFPB concerning XXXX XXXX XXXX   placing a collection account on my XXXX and XXXX credit reports. I recently sent XXXX XXXX XXXX another letter asking for validation of the alleged debt amounting to {$360.00}. XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead asked me to sign a consent to release information and reports that I have been identified as the consumer on the account. This company kept this account on my XXXX and XXXX credit reports despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead kept the account on my credit reports AND asked me to sign a consent to release information. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached XXXX XXXX XXXX XXXX response to my letter requesting validation of the debt, in which they requested I sign a consent to release information. Your immediate response will be greatly appreciated.
Consumer complaint received 2024-05-03
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: HW Holding, Inc (TX)

Code ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-XXXX XXXX HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
( Accounts ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of estoppel by silence, Engelhart v Gravens ( Mo ) SW715, 719,1 presume that no proof the alley + debt, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I tried paying the IRS on XX/XX/XXXX for monies owed on tax return. Received confirmation from the IRS that payment was initiated but on XX/XX/XXXX received notice that payment was not made because my account was frozen. I called Citizens Access to ask why my account was frozen. The agent informed me that it was not frozen but there was an issue with my address. It seems that when they sent out my 1099 it could not be delivered. I did not receive any notice informing me of this. I had moved and that information was updated while I was on the phone. I was told I was good to make the payment and that it should have gone through the first time. So on XX/XX/XXXX I paid the IRS again and again a few days later received notice that payment did not go through account is frozen. Prior to receiving that notice I had called Citizens to inquire if the funds had been withdrawn. On XXXX I spent at least half of my day calling and recalling Citizens to get my account unfrozen. Each time I called I was given the same response. Its under review and theres nothing more that can be done. So my account has been frozen for almost 2 weeks with no notice re : that it had even been done. In the meantime penalties and interest are accruing with the {$21000.00} owed to the IRS
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: Resurgent Capital Services L.P. (KS)

per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods,
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank (CA)

Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.
Consumer complaint received 2023-10-08
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

Hello, My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX I was not aware of this transfer. I was made aware of the transfer when my credit monitoring service alerted me of a massive drop in my credit and I began investigations. The day i was made aware, I brought my account up to date and made all outstanding payments. I have an exceptional payment record to all parties. The agent who helped me let me know that " all the mail we have sent you has been returned '' and we determined that XXXXXXXX XXXX did not have my correct mailing address. They did not include the unit number and thus, I was never notified that my account had been transferred. XXXX had my physical property address All Digital communications from the bank ended in my spam calls from unknown numbers also were flagged as spam. 

I was transferred to customer service and they submitted a request to remove the negative credit memo they had reported, and said, " this is our fault as we did not properly notify you. 

The next day I was sent an email saying my request had been resolved and changes will be be reflected in my account. I called to confirm details of the resolution and was told my request was denied. After horrible customer service, I was told that this was entirely my fault and unless i can prove that they had the wrong address they could not help me. I am also confused as the statements that the customer service reps provided show XXXX as well as XXXX. 

Attached you will find the statements from XXXX showing that despite having the correct physical address, they did not include the unit number which resulted in all the mail being retuned and me not being notified.
Consumer complaint received 2023-11-14
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. (NC)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-11-14
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. (AL)

XX/XX/2023 I sent Experian a certified letter letter stating that I want them to delete the XXXX  XXXX bankruptcy from my credit report because they violated my my rights. I didnt get any response so I called them and I talk to a gentleman and I asked him who reported the bankruptcy on my credit report that by law they violated my rights that I wanted the bankruptcy deleted immediately. Hes response was XXXX report to the credit bureau. So I wrote XXXX and I stated by law you all violated my rights ( FCRA ) ( 15 U.S.C s 1681 et seq. ) that Im demanding deletion.
Consumer complaint received 2024-04-15
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. (GA)

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.