davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 my credit was pulled by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-10
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: Kikoff Inc. (FL)

KIKOFF LENDING LLC This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AZ)

I submitted a claim for {$2700.00} for a transaction where I didn't receive what was ordered.I was issued a temporary credit for the claim. I sent the paper work back and my claims rep closed my claim stating it was submitted under the wrong reasoning. I called and spoke to my claims rep and clarified that I didn't pick the reason, that I just explained the situation to customer service and they picked the reason. The claims rep advised that she would reopen my claim and reissue the temporary credit but she needed to wait because she had already submitted for the temporary credit to be reversed. Weeks pass and nothing happens. I called in and submitted a call back request. Nothing happened, so I called in again and another call back request was submitted. Finally, I got a call back saying the rep left and could not be located, my claim was being reopened and the temporary credit reapplied. The rep only applied part of my claim which was {$2500.00}. I called in to talk to another rep and advised that the {$200.00} was forgotten and she said I'll just add it to your claim. I received notification that the {$2500.00} was approved and closed out. Weeks passed nothing happened with the {$200.00}, so I called in because I went to pay my mortgage and I noticed that my checking account was closed for being negative the {$200.00}. I called in and submitted an escalation, and someone started calling me stating they need more information. For 3 weeks, I played phone tag with the rep calling me, until I asked for a manager to call me. I received a call from XXXX who leaves me a voicemail message. I called him back and he tells me that they don't actually need anymore information that it was already in my account. I ask if my checking account will be reopened and he says he doesn't know that when they issue the {$200.00} that it may force the account open or they will issue a check. Today I received a check for {$18.00} cents, nobody has apologized, I have not received confirmation that the negative checking account was resolved and that I am not on check systems nothing. I am just really upset with how my account was handled and how nothing was done, to rectify their error and now I am with out the checking account I use to pay my mortgage payments.
Consumer complaint received 2023-09-13
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. (NM)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-09-13
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. (PA)

EXPERIAN CONTINUES TO REPORT INQUIRIES THAT HAVE A REMOVAL DATE OF XX/XX/XXXX. I HAVE ASKED EXPERIAN ON MULTIPLE OCCASIONS TO REMOVE THESE EXPIRED INQUIRIES : XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX  XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX. THE EXPERIAN APP AND MY CONSUMER REPORT HAVE FAILED TO UPDATE EVEN WITH ME CALLING. I RENEWED MY MEMBERSHIP AND THESE INQUIRIES HAVE NOT BEEN REMOVED. THEIR SYSTEM IS FAULTY AND I WANT THESE REMOVED NOW.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (FL)

The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( TWICE REPORTED ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( THREE TIMES )
Consumer complaint received 2023-09-13
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. (GA)

The persons XXXX, XXXX XXXX and EXPERIAN Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency XXXX and XXXX just claim to verify account. I have no documentation of validation upon requests, this is my 3rd time addressing matter, I want XXXX the consumer reporting agency to remove XXXX XXXX XXXX from consumer report.
Consumer complaint received 2022-12-09
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)

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-13
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)

The persons XXXX, TRANS UNION and XXXX Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency XXXX and XXXX just claim to verify account. I have no documentation of validation upon requests, this is my 3rd time addressing matter, I want XXXX the consumer reporting agency to remove XXXX XXXX XXXX  from consumer report.
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc (CA)

XX/XX/2023 i received numerous transactions from the same person using a XXXX card and it was added into my paypal account without me knowing anything about any of this issues causing my paypal account to get charged almost {$3000.00} dollars either paypal nor XXXX are helping me resolve this issue.
Consumer complaint received 2023-09-13
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XX/XX/XXXXAccount Number :XX/XX/XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXX/XX/XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XX/XX/XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XX/XX/XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracyXX/XX/XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SYNCB Date of inquiry : XX/XX/2022 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In an era where transparency and accountability are crucial, it is essential for financial institutions to provide adequate documentation when charging their customers. XXXXXXXX XXXX XXXX refusal to provide documentation to substantiate a charge raises serious concerns about their practices and highlights the need for increased scrutiny. This argument presents reasons why charges should be added and highlights the significance of XXXXXXXX XXXX XXXX  unwillingness to provide any requested documentation. 
One of the fundamental principles in consumer protection is ensuring that consumers are treated fairly and have access to all relevant information regarding charges made to their accounts. By refusing to provide substantiating documentation, XXXX XXXX  denies its customers the opportunity to review and validate the legitimacy of the charges. This lack of transparency undermines consumer trust and raises suspicions about the legitimacy of charges. 
Without adequate documentation, customers are left in a state of uncertainty regarding the legitimacy of the charges imposed by XXXX XXXX. Providing substantiating documentation is not only a responsible business practice but also a legal obligation in many jurisdictions. Customers have the right to verify that the charges align with their contractual agreements, and by refusing to provide such documentation, XXXX XXXX  fails to fulfill its obligations and exposes itself to accusations of wrongful billing. 
In cases where customers question the accuracy or legitimacy of charges, the ability to examine supporting documentation is critical. By refusing to provide such evidence, XXXX XXXX  makes it nearly impossible for customers to effectively dispute charges and seek resolution. This lack of cooperation can result in prolonged disputes, damaged credit scores, and an erosion of trust between the bank and its customers. Financial institutions are subject to various regulations and guidelines aimed at protecting consumers ' rights and ensuring fair business practices. These regulations often require banks to maintain records and provide documentation upon request. XXXX XXXXXXXX XXXX refusal to provide substantiating documentation may indicate a potential violation of these regulations, thereby undermining their credibility and potentially leading to legal consequences. 
Transparency is a cornerstone of ethical business practices. By refusing to provide documentation, XXXXXXXX XXXX raises doubts about its commitment to transparency and accountability. A responsible and ethical institution should willingly provide customers with the information they need to understand and validate the charges imposed on their account. By arbitrarily adding charges with no way of knowing where they originated is criminal.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CA)

Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (FL)

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. 

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 2023-09-13
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: EQUIFAX, INC. (OH)

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. 

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 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. 
I did not opened that account. 
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. 
They refused to comply with my request. 
they gave me a name and address of the person who opened the account in my name. 
I do not know this person. 
This person lives in another state. 
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. 
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. 
Furthermore, they knew my name was different from the person on the account. 
So why damage my credit when I didn't opened that account.
Consumer complaint received 2024-03-12
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. (NY)

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, Experian, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from Experian, XXXX and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I called and spoke to a Citizens phone rep on XX/XX/XXXX about closing my account. As there was a balance over XXXX in the account, he advised that as there is a limit to how much you can transfer from the account every day ( very small amount ), he provided instructions on how to request to close by mail ( snail mail, can not be email/fax etc. ). The instructions were to send a Signed letter from me which included my Account Number, Dollar amount, Address, copy of Drivers Licence. I was told I would get a check in the mail with all my funds within 10 days. I provided all this on XX/XX/XXXX. 

Today, XX/XX/XXXX ( almost a month later ) I recieved a letter signed by XXXX XXXX, Head of Checking, that I had not included a Notary Signature required on the letter. 

Why was this requirement not provided to me on XX/XX/XXXX? I believe this is a deliberate attempt to delay closing my account and transferring funds to me. This is the 3rd time I am trying to close my account and move my funds. But as Citizens does not have a branch in California, I am unable to go to a branch. It is now ridiculous that I still do not have my funds which are sitting at Citizens bank earning no interest where I could earn 5 % at another bank.