davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
XXXXXXXX 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 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 2023-09-05
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2018-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CA)

I have paid off my loan for XXXX in full and have tried to cancel my " membership " in Moneylion so that I can be refunded the money owed to me from membership fees which are supposedly held for me as an investiment. But I am either unable to reach the company by phone or email and when I finally do reach them after spending literally 90 minutes waiting on the phone, I am told that I can't cancel my membership until pending charges are processed. I was told that this would happen by XX/XX/XXXX but when I reached them they keep procrastinating and refusing to cancel my membership. According to my accounting, besides paying the loan and interest in full, I paid an additional XXXX as membership fees which are supposed to be refundable when I cancel my membership. Because I already withdrew XXXX, I should be owed XXXX. Instead I was told that I would be refunded XXXX This is fraud and not right. I want my membership cancelled immediately and I would like to be refunded the XXXX owed to me. 
Thanks
Consumer complaint received 2023-05-16
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. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2022-10-29
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have opened a checking account with Citizens Bank on XX/XX/22 with an offer that would pay {$400.00} bonus after depositing {$500.00} via direct deposits and completing XXXX debit card transactions. I have completed these requirements within the required terms, but have never received {$400.00} bonus. When I contacted the bank they refused to give me the bonus.
Consumer complaint received 2024-03-11
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. (FL)

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all 3 credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the 3 agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all 3 credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. 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. 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 BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXI XXXX
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I want to close my business checking account ending in XXXX. 

Bank makes the process extremely burdensome and unnecessary. The account has a {$0.00} balance, and no pending transactions. This institution engages in predatory behavior by overly lengthening the closure process for the attempt of obtaining additional monthly maintenance fee revenue.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : Notice XXXX XXXX XXXX and XXXX XXXX under FCRA Violations Dear [ Credit Reporting Agency 's Name ], I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before litigation, with the intention to amicably resolve this matter. 

I am prepared to pursue legal action in accordance with the FCRA to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617 if the following items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted from my credit report. Please note that this letter, along with the previous correspondence and evidence of inaccuracies, will be included in a formal complaint to the Federal Trade Commission and may be used as evidence in the pending litigation if you fail to comply with this settlement offer. 

It has come to my attention that the following violations of the FCRA have occurred : The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : EMPLOYER : IXXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Please treat this matter with utmost urgency and comply with the settlement offer to avoid potential litigation. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HW Holding, Inc (TX)

I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
MEDICAL DATA SYSTEMS XXXX  Opened XXXX XXXX XXXX Balance {$320.00}
Consumer complaint received 2022-10-20
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. (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. 

Account name : Account Number : 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 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 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I was purchasing tickets from XXXX and did not notice that the website changed to XXXX. I immediately called and emailed XXXX to cancel the transaction. I was informed that there is no cancellation policy. I emailed immediately and received no response. 

I was charged {$310.00} for tickets on XX/XX/XXXX( Twice the amount of XXXX XXXX ) and HAVE NOT received the tickets. 

I filed the claim with chase credit card to not pay and they denied this claim stating the merchant has no record of cancellation. 

They did not email or call me back to allow a cancellation and they also did not provide me with the merchandise that they charged {$310.00} for. I have NO TICKETS and they did not reply or response to my immediate cancellation. I filed a claim with Chase Credit
Consumer complaint received 2022-10-20
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. (GA)

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completely remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disputed fraudulent items completely from my Credit File : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX  XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-10-20
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. (IL)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX Balance Owed : {$5900.00} ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated 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 XXXX  # XXXX
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

XXXX  XXXX XX/XX/XXXX a charge of {$150.00} was charged on my debit card by a merchant assisting with a purchase when my card was not working. The charge was for a e-gift card so a purchase could be made in store but it was unsuccessful and the store mgr was unable to cancel it. She advised calling customer service who advised a refund would be processed. Days past and no refund was ever received nor was the e gift card that was purchased received. I reached out the merchant numerous times and the issue was never resolved they only stated it was being handled by a different department and the card was sent. I called numerous times over a month and a half for assistance in getting my {$150.00} back but told a mgr would call back and the gift card was sent but nothing has ever been received. I eventually filled a dispute with my bank who just recently XX/XX/27 charged my account back for {$150.00} stating it was a valid transaction even though the electronic gift card was never received nor was it authorized by me for that merchant to run my debit card for that purchase.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated 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 XXXX  # XXXX
Consumer complaint received 2022-10-20
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. (IL)

I sent a letter on XX/XX/21 to Experian, XXXX, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian, XXXX, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX