davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a matter of utmost importance concerning my credit report. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been egregiously violated by the following creditors : XXXX ( XX/XX/XXXX ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXX and XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Account Not Belonging to the Consumer Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) These creditors have committed these violations, which have had a profoundly distressing impact on my life. Allow me to share a detailed and emotional personal story to illustrate the toll this situation has taken : I am writing to request the full enforcement of the FCRA and the removal of these unverified accounts from my credit report. These inaccuracies have not only compromised my financial well-being but have also had severe emotional and psychological consequences. I implore the CFPB to take swift and decisive action in rectifying these violations and holding the creditors accountable for their actions. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that my consumer rights are upheld. I also request that you communicate with the creditors involved and compel them to remove the inaccuracies and unverified accounts from my credit report without delay. 

Thank you for your attention to this matter. I look forward to a prompt resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-08
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2022-10-24
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. (SC)

My name 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 2024-04-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MD)

My parents passed away in XX/XX/XXXX and XX/XX/XXXX respectively. We created estates for both of them and received letters of testamentary. The State of NC provided us with a .PDF copy of the legal documents because they use ink seal notary. 
This is a Marcus by Goldman Sacs savings account with over {$54000.00} in it.

Marcus requested my mom 's death certificate, letters of test., and a letter of intent. We provided all of that to them by mail because they don't take anything by email or have a secure portal. Several weeks later they sent a letter stating they needed the original letters of test. which we told them we sent. We then sent another copy and they then questioned the legitimacy of that copy. Then they requested a call with the court to verify the estate. After several months of back and forth with them, they asked for a copy of my father 's death certificate. All of this via mail. Each time I call them, they say the account is under review and will not give me a status of the account. The last request was that my sister and I sign on the same piece of paper a new letter of intent that we want the account closed. I am stationed in Washington XXXX DC and my sister lives in NC. This just seems like a ridiculous request and a way to stall closing the account for no good reason. 
When i last had access to this account online ( XXXX XX/XX/XXXX, the account had {$54000.00} and was earning 4.50 % APY ). I want to make sure the money is still earning that interest until the day the account is actually closed and paid out. 

Can you please help us get this closed and paid out to the estate as this is the only account that we have been unable to close? Thank you.
Consumer complaint received 2023-08-14
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I recently submitted a dispute with Experian and submitted proof to Experian in reference to an agreement made by XXXX XXXX XXXX and myself, XXXX XXXX. The agreement was recorded by XXXX XXXX XXXX  And I to pay 2 payments of {$780.00} which was to be debited from my account on XX/XX/2020, which they collected and the final payment of {$780.00} on XX/XX/2020, which they did not collect which they broke their agreement. Then they sent the remaining balance to another company and increased the payment. I called Experian and spoke with one of the agents and they overlooked the fact that this company broke their agreement and placed this back on my credit under a new credit reporting agency called XXXX XXXX. Because I made this agreement with XXXX XXXX XXXX and they broke the agreement With me, i demand that Experian remove this from my credit report. I also request that Experian send me a full copy of how they performed their investigation and verify that they submitted the copy of the first payment of {$780.00} that XXXX XXXX XXXX received from my checking account. Including copies of the recorded agreement between XXXX XXXX XXXX  made to send to my attorney. I know that Experian did not do a through investigation because if they had, this item would be deleted under the fair credit reporting act. I also spoke with XXXX and the collection representative stated that they no longer had the account. Then told me to call XXXX XXXX, which is a third party collection agency that they evidently sold the account to, after XXXX XXXX XXXX  collected my money from the agreement made with them and XXXX. These companies are running a scam and will be also reported for legal investigation.
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I checked my Big Lots credit card account to verify it was up to date as I had missed a payment at the beginning of the year. Checking the history on the account, I discovered that the late fee was XXXX, this late fee was on a XXXX dollar charge. 
I called to get an explanation on why a late fee is 100 % of the charge. He never answered that but offered me a {$15.00} credit. I took it as I am on a fixed income, but I can not believe that charging a 100 % late fee charge is legal?!
Consumer complaint received 2020-08-01
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: CITIBANK, N.A. (KS)

Accent Ending : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX SSN : XXXX I disputed a transaction for XXXX {$180.00} which posted on XX/XX/20. My travel plans had to be cancelled due to Covid travel restrictions which should have resulted in a full refund according to the XXXX website refund information. When only a partial refund of {$83.00} was issued, I contacted my credit card company, Citi Cards, to begin the transaction dispute process regarding the additional {$100.00}. 

Citi Card began an investigation and on XX/XX/20 I received an electronic document indicating that Citi had been in correspondence with XXXX which resulted in them confirming that I was due an additional refund of {$100.00}, for which they had already begun to refund process. Citi stated 'If the new credit is not posted, we will reopen the investigation and continue working on your behalf to resolve the issue '. 

On XX/XX/20, after receiving no additional credit from XXXX and no additional information from Citi Card regarding their monitoring of the account or situation, I contacted them to inquire about the status of my dispute. I explained the correspondence I received and the commitment Citi had made to proactively monitor the account for the credit XXXX had confirmed with THEM was still due for the account. The agent was polite and kind and asked that I give it a little more time for them to work on it. 

Now I have received an electronic document XX/XX/20 that states the dispute was found 'not in my favor ' due to my correspondence being received after the requested response date. However, I do not see where anything was requested which was not provided. 

It is my opinion that I received this generic decline letter due to a lack of investigation regarding my case and a failure in due diligence to monitor my account as was promised in the XXXX correspondence. 

When I called in XXXX it was not to open a new dispute but rather to follow up on a dispute which was not being attended to by the credit card issuer. Additionally, the fact that I am only now receiving a notice of resolution indicates that my case was not resolved within the predetermined guidelines for billing disputes. 

I have been and continue to be, an exceptional customer. That being said, I expect exceptional service and have not until now had reason to feel that I was getting less than that from Citibank. I am requesting that this matter be re-reviewed and the {$100.00} credit be issued by Citi due to the company failing to follow up with the credit from XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-29
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. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
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. (AL)

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 XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (UT)

CBE Group called on XX/XX/XXXX XX/XX/XXXX to one of our cell numbers looking for a relative this not her number and never has been. They claimed this number was listed as her contact number. They called our other cell number the previous week claiming the same thing.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-05
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. (NV)

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. 

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. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " XXXX XXXX HOLDINGS, EXPERIAN INFORMATION SOLUTIONS INC., AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!