davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FRCA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 US code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer to whom it relates. I NEVER GAVE this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a complaint in the traditional sense, I just want to convey my inconvenience to the bank of America through the CFPB. My credit card was frozen after I recently attempted to purchase an item. I called the number I was asked to call in online banking. Customer service asked me to bring my ID to the branch to unfreeze the credit card. However, I am currently suffering from XXXX and I can not walk until I receive adequate treatment. Therefore I am unable to go to the branch. However, I can upload my ID, green card, passport, etc. to Bank of America to verify my identity. I currently have balances on two credit cards with BOA that I still need to pay and I don't want my credit score to be damaged next month. Please help me out with this solution.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (VA)

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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX  account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. I was never late as this company implies.
Consumer complaint received 2024-03-17
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: Experian Information Solutions Inc. (FL)

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 

XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 I made a payment to a rent company totaling {$1700.00}. On XX/XX/XXXX of XXXX it was taken out my checking account. I called the company and an agent said it was probably a glitch but because they were third party the best thing to do was to contact the bank and dispute it and show my receipt and they should be able to rectify it. On XX/XX/2023, I called Wells Fargo and disputed the charge. A provisional credit was given and I was told it could be up to 90 days to investigate. I received a letter one month later asking for documentation to be provided. I emailed XXXX a picture of the receipt. On XX/XX/2023 I received a letter that the claim was being closed because I didnt send the email. I called and agent walked me through sending the email again in pdf form and on XX/XX/XXXX they still reversed the credit and closed the claim without any explanation.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions.

15U.S.C. credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit report, and noticed accounts that are not mine. I have never done business with these companies, and have no knowledge of these accounts. I have contacted the credit bureaus, and asked them to immediately remove them from my credit file.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (TN)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

My credit report is reporting several wrong personal identifiers in my file, which may jeopardize my identity if its not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things are really harming my life. My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. 

Also, my current address is XXXX XXXX  XXXX, XXXX, MA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, MA XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (MO)

A cease and desist was sent to this company. The company has failed to abide by federal law. They are still reporting information on my consumer report after a cease and desist has been sent. I am sending the cease and desist to the company again. Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Delete fraud alerts and extended fraud alerts from my XXXX and Equifax XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Now, New violations are being committed by the chase bank to cover up the previous violations of manipulating the credit card opening dates of the accounts ending in XXXX, and XXXX. And all of this just to cover up the violation of not issuing the corporate credit card. Refer to ( office of comptroller of currency case no XXXX ) and CFPB complaint no XXXX dated XX/XX/, and CFPB complaint no XXXX dated XX/XX/, ( Today 's date ). Chase bank charged interest on my credit card ending in XXXX, when I had 0.00 % APR promotional offer for 12 months on there. Chase bank went back in time 4 months to charge interest on these statements and reversed the XXXX $ interest charge on these statements. This is criminal. Account ending in XXXX was opened in around XXXX, XXXX. I would not have opened this account, if there was no 0.00 % APR for 12 months on there. I have been monitoring these statements for last 6 months. There was no interest on there. And now there is. That means chase bank also lied on the credit card application on line stating there is a 0.00 % APR for 12 months promotional offer. And now chase bank won't honor 0.00 % APR anymore. Chase bank is also stealing interest money by manipulating all these account opening date records. XXXX has all these records and won't take any action against chase bank. 
Moreover, " if anybody made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an oriental country. ''
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with XXXX XXXX and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required.
Consumer complaint received 2024-03-17
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)

On XX/XX/XXXX, I reviewed my credit report and discovered a discrepancy on my Experian credit report regarding Account - XXXX - XXXX. The account was being reported as a paid account that was 30 days past the due date, along with a reported late payment that is incorrect. Upon investigating, I contacted Experian on XX/XX/XXXX to rectify this discrepancy. On XX/XX/XXXX, I received a notification from Experian stating they received my dispute and would begin an investigation. I expected them to forward all relevant information to the original creditor to ensure a proper investigation of my dispute under the FCRA 611 ( a ) ( 2 ) ( b ) law. However, on XX/XX/XXXX, Experian responded that the investigation was complete and the information was verified. According to FCRA 611 ( a ) ( 7 ), I should have received all the information used for my investigation. The account is still being reported inaccurately, negatively affecting my financial standing.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

my account was out 30 days late when i pay every two weeks. 
so there is no way i should be 30 days late for XX/XX/2024 and XX/XX/2024. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I published a report about my erroneous information from a XXXX  XXXX file where it is not my person involved. 

I am attaching the information that shares inaccurate information affecting my credit report in a significant way.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (OK)

I received a mail from CFPB that Elan Financial Services replied to state that my previous complaint ( complaint ID XXXX - XXXX ) lists someone the company does not recognize as their customer and they need to contact me first to release some information. 

Unfortunately, I have not received any phone calls from Elan Financial Services yet and when I tried to call, they never take my calls anymore.
Consumer complaint received 2023-03-26
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. (GA)

After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX-30 Days 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 a account without my written instructions
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AZ)

So I had opened up a Credit Karma savings account being that I had a Credit Karma account already and so I thought I would open it so that I can put some extra funds to the side in case of an emergency so I did a deposit they took the deposit they didnt put the deposit into my account And five days later, they said that my account was frozen so I tried to call customer service. I called every number that they had as a 24/7 customer service. And I had talked to four people that didnt seem to know any English at all. I got transferred to a supervisor who literally say more than just a couple words of English complete sentences every time I expressed to him my concerns on my money and my worries and my frustrations he could hardly respond even with the runaround and the Continuous reading of a piece of paper or an automated response. Man couldnt give me any answers whatsoever and he was claiming to be a supervisor so then I called my bank and I made a claim with them. We dont know the outcome of this yet but I do want to make a complaint with Credit Karma because theres absolutely no reason why my account was frozen. Its only XXXX XXXX dollars the deposit came from my main bank account which is XXXX XXXX it was approved it was cleared and so I dont see why my account was frozen at all. Nothing fraudulent happened. Nothing wrong. There wasnt a bunch of different other Deposits or bad checks being used or anything like that this account is new the customer service was terrible. They told me that I would have to wait for an email from some department that didnt have a phone number or customers didnt have access to which I also thought was weird no answer that I got sounded professional or even appropriate. I talked to one of the agents at my bank and even they said that it sounds fishy and it sounds fraudulent and that they two have heard issues about Credit Karma banking. I then looked online and I seen that this is a very common issue with Credit Karma and that sometimes they go months and months and months not unfreezing your account and keeping your money and they also make you run through hoops and go through many different avenues just to get your money only for them to close your account and Then you have to find out how you get your money back. I want them to reverse this deposit and I want them to put that money back into my account and Ive gone through every option that I can go through. Ive made a complaint with the Better Business Bureau Ive made a claim with my bank and Im making a claim with you guys to try to get this resolved. This is a terrible company. Their customer service is terrible The way that they manage the customer customer is terrible and its quite frightening because its the only only money I have right now until I get paid again and I have no access to it. Please help.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (PA)

PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX  XXXX