davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX  XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXXXXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.BANK OF XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the inaccurate personal information that appears on my credit report. According to my records, [ XXXXEquifax ] has reported my name, DOB and employment information incorrectly.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

even though I made payments to  citi bank..it w as n't the minimum..but now that I can make the minimum payment on a balance of {$12000.00} witch I am told is {$330.00} I 'm told I need to pay an extra {$290.00} and if I do n't I 'm going to continue to be charged a {$35.00} late fee ... this seems extreem
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

Hi, This is regarding the XXXX XXXX wheel warranty. While financing my vehicle ( XXXX-2017 ), it was asked me to take extended warranty, Tire and wheel warranty and XXXX XXXX wheel warranty. Having no choice I agreed. After few months I requested to cancel my all warranties. After long follow up, the XXXX XXXX XXXX XXXX was able to cancel Extended warranty and tire and wheel warranty but not the XXXX XXXX Wheel warranty. I have been constantly following up with XXXX XXXX XXXX finance team. Even they are not able to produce any signed document in this regard and first they asked me to check with XXXX wheel directly. I called them and they denied that they do have any copy with my sign. At end the dealership agreed and confirmed that they got confirmation from XXXX company that my warranty has been cancelled and amount will be deposited in my loan account. After 2 and half months the amount is still not credited. I have following concerns ( 1 ) I think  XXXX XXXX XXXX charged me extra without getting my signature on agreement and thats why no one has a copy of agreement of XXXX XXXX wheel warranty ( Including me ) ( 2 ) I think because of some financial glich the dealership is not able to tell me the truth and delaying the credit in my account
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (NJ)

I have a checking account and HELOC at  PNC  Bank. I deposited a check for {$45000.00} on Friday  XX/XXX  On Monday  XX/XX , the money posted to my checking account. On   XXXX  , I made an online transfer from my checking account to the HELOC. On  XX/XX , the PNC website showed that the money had posted to the HELOC. So, I made a {$9300.00} payment to the  XXX . PNC rejected the payment due to NSF! Now, I will be fined by the  XXX  for a rejected payment. PNC refused to acknowledge that this was their error. They claim that they are allowed to place an automatic one-day hold on internal transfers between their own accounts! This is a misrepresentation on their part since their website showed that the funds were available.
Consumer complaint received 2024-03-23
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. (MD)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion, and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2023, I opened a Business Checking account with American Express. As a new customer, the checking account comes with a welcome bonus of 60,000 points after completing 10 qualifying transactions, making a deposit of {$5000.00} within 20 days and maintaining that balance for 60 days. I initiated a transfer of {$5000.00} on XX/XX/2023 ( Day XXXX ). The transfer was supposed to hit my American Express account on XX/XX/2023 ( Day XXXX ). However, due to the XXXX XXXX, American Express didn't apply this deposit to my account until today, XX/XX/2023, which disqualified me from receiving the bonus. I chatted with an agent who confirmed this situation. Amex DID receive the deposit on the XXXX but DID NOT apply it to my account until the next day due to the holiday. I found it unfair to disqualify my account from receiving the bonus due to internal banking procedures I'm not responsible about.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (LA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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. (NJ)

My latest credit report shows these credit inquiries that I did not authorize.

I am writing to make a complain to have these unauthorized inquiries removed the following inquiry and asking for their removal from my credit report.
Consumer complaint received 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the DELETION OF THIS ACCOUNT in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX ( b ), and the Fair Credit Billing Act ( XXXX ) Section XXXX ( a ) ( XXXX ). 

The collection account in question is XXXX XXXX XXXX, reported by you. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NC)

on XX/XX/XXXX I received an email from Target saying that they welcomed me to the store and for joining them. I never signed up for Target services. Then I received another email saying congratulations you have been approved for a credit card _ XXXX XXXX with Target thru TD Bank. I never applied for a Target credit card. 
I contacted Target immediately once I found out on XX/XX/XXXX and reported the identity theft to them. I also contacted TD Bank to file the identity theft and requested the cancellation of the card and to issue a credit fraud alert to all credit bureaus. As of today, I have not received communication from Target or TD Bank. I already placed a freeze on all credit reports. I am also in the process of providing required information to the police to support this investigation.
Consumer complaint received 2023-05-18
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. (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  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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. (TX)

About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX a postal money order for {$380.00} was deposited in person by my mother into my account. It was accepted at the desk and I checked my account and it was in there so I paid rent. The money order was then placed on a hold subsequently causing my rent payment to be returned, I accrued {$250.00} in late fees. The postal money order is set to clear XX/XX/XXXX. I called the branch location where it was deposited and they wouldn't even talk to me about it. I went to my local branch and the manager there said if it were his location he would have covered the costs but it was location specific as to giving credits out. The customer service line said there was nothing they could do for a hold. I was doing some research and found Regulation CC 229 and it says something to the effect that a postal money order must be deposited the next business day. The teller at the location stated that it would be in my account the next day. I want to know if this is a violation.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Deposited a check for XXXX XXXX Check was first held from the XXXX of XXXX to the XXXX. During that time they locked our account for suspicion of fraudulent activity. We sent in the papers they required from us on the XXXX, during which they said it can take up 5 to 10 business days for the tax department to fix our account. It has been 10 business days and our account is still restricted, and we have to pay our rent late because of this. We called multiple times and they said all we can do is wait since there is no contact with the tax department.
Consumer complaint received 2023-02-14
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)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have no choice but to submit complaints against you with the CFPB for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that its negligence being that I notified you several times informing you that I sent a letter to the creditor, and they updated the account. The only credit bureau that is accurately reporting the account is XXXX. I will attach the letter sent to the creditor, which is dated, and time stamped. The updated XXXX credit report is updated as well. I need these items corrected per my request below. ATTORNEY GENERALXXXX XXXX
Consumer complaint received 2023-05-18
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. (CA)

On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.