davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Consumer complaint received 2024-04-08
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. (WI)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-01-24
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. (TX)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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 perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CT)

I received alert that my credit score on XXXX had dropped due to delinquent account status. I checked credit report and found fraudulent American Express card had been opened in my name. Account was opened XX/XX/XXXX. Charges of {$2000.00} occured in XX/XX/XXXX, and the account was closed on XX/XX/XXXX. Balance is listed as 60 days past due. 

Immediately placed a credit freeze and initiated a formal dispute ( file number XXXX ) with XXXX on XX/XX/XXXX. Sent a certified letter to American Express on XX/XX/XXXX advising them of the fraudulent account, and requesting its removal from my credit file. 

XXXX responded on XX/XX/XXXX indicating they had " verified the information as accurate with the company. American Express acknowledged receipt of my letter, but indicated they couldn't locate account. The account number listed on XXXX 's report is encoded due to privacy concerns. American Express says it needs full number to proceed, and XXXX will not provide it to me. So I'm stuck with no way to resolve the identity theft.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and XXXX drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.
Consumer complaint received 2024-04-08
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-12-19
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. (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 15 USC 1681. 

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.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To Experian and XXXX, Please check the following account as it is showing as balance is overdue and late. This is not true. The account is in fact paid on time and paid in full. Please verify this information as this account has always been on auto pay until account was fully paid. Please do not report inaccurate transactional experiences to my report. Late payments are detrimental to me as a business owner and consumer needing credit at a moments notice. I appreciate your time to help with this matter. 

AFFECTED ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Take a look at the attached documents. I am urging the bureau to commence an investigation into these accounts, as I have a flawless record of on-time payments, yet they are incorrectly reporting me as late.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep dissatisfaction with the ongoing presence of a fraudulent accounts on my credit report. Upon reporting the incident of identity theft, I promptly contacted the company associated with these fraudulent accounts. While they acknowledged the validity of the report, they stated their inability to provide records. However, they assured me that upon submission of the necessary FTC report, the fraudulent accounts would be promptly removed. 


It is important to mention that both XXXX and XXXX have already removed these accounts from their records after discovering and correcting an error. I am puzzled by the fact that your agency continues to verify these accounts despite its removal by other agencies. I urge you to delete these accounts from my record as it is inaccurate and has already been acknowledged as such by other companies. I demand immediate action to remove these fraudulent accounts from my credit report, especially considering its fraudulent nature has been recognized and agreed upon by the companies involved. Please promptly remove thirse fraudulent accounts due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-08-30
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (MA)

The Credit card company closed my account because they said I was working with a credit repair company and then they blocked the access to my account. I asked for a payment plan and they would only. Give me one that was double my previous payment of {$140.00}.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, through to XX/XX/2023, I initiated a substantial payment of XXXX USD through my Bank of America account to XXXX, believing it to be a legitimate cryptocurrency service provider. 
Subsequently, it was revealed that XXXX was a fraudulent entity, and I became a victim of a scam. The promised services were never provided, and my attempts to seek resolution directly with the company were met with silence and evasion.I promptly raised a dispute with Bank of America by submitting a detailed dispute letter on XX/XX/2023, outlining the circumstances surrounding the fraudulent transaction and emphasizing the urgent need for resolution. 
Unfortunately, despite the severity of the situation and the regulations in place to protect consumers, I have not received any response or acknowledgment from Bank of America since my initial complaint
Consumer complaint received 2024-04-08
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. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 list IMMEDIATELY! 

Acounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (TX)

I have had a credit Karma account with a spend and save account for a number of years. I was told today that my account was closed because of a negative balance .On XX/XX/XXXX I had a balance of XXXX but on XX/XX/XXXX a provisional credit of a dispute process was reversed for the balance of XXXX which gave me a balance of XXXX. I told then I was unaware of this. My email has changed because I would have taken care of it. Now they say I can not open a spend account and there is no way to resolve it I can send the amount of XXXX by check only to clear the amount they have reflecting. They stayed I will not be able to open another account even if I pay it. This does not make sense to me. The customer service said they have to other way to resolve it. It is odd and of course it can be solved.i was told that even if I closed the account and opened another I will not have a save or spend account. I asked for escalated assistance but they said they do not have any option to help me.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BOEING EMPLOYEES CREDIT UNION (WA)

At around XXXX pm on XX/XX/2023 I attempted to deposit roughly {$130.00} in cash at a XXXX XXXX XXXX XXXX XXXX XXXX  ) ATM located inside the branch at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX 

I attempted to deposit at least XXXX {$50.00} bill, XXXX {$20.00} bills, XXXX {$5.00} bill and XXXX {$1.00} bills, but I do not know the exact amount deposited. 

I inserted my XXXX XXXX XXXX XXXX XXXX debit card, selected that I would like a receipt, selected my savings account, and inserted my cash into the machine. 

The machine began processing my transaction but stopped and displayed a message that my transaction had been cancelled. At this point the ATM returned my debit card and return some, but not all, of my cash. The bills returned were XXXX {$20.00}, XXXX {$5.00}, and XXXX {$1.00} bills. Although I did not count the cash in full before attempting my deposit, I am certain that I am missing XXXX {$20.00} bills that I had withdrawn minutes earlier from a Visa cash card using the Bank XXXX XXXX ATM across XXXX XXXX. I also had a {$50.00} from my grandparents for my birthday on XX/XX/XXXX. The machine did not print a receipt. 

I entered the branch and spoke with a representative. They told me that since I had used a non-BECU debit card they would be unable to review my transaction history and I would have to call XXXX, which I did. XXXX notified me that they would complete an investigation and that I would hear from them with the results of that investigation. 

On XX/XX/2023, XXXX notified me that their investigation had found no evidence that I used the ATM in question. I again called XXXX, but they referred me again to my bank. I requested that they pull any security footage from the ATM to prove that I attempted a transaction there, but I have not heard back.
Consumer complaint received 2023-07-17
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. (TX)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX