davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 3rd 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed other consumer reporting agencies continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated XXXX Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The XXXX XXXX  and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2022-12-02
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: Credence Resource Management, LLC (FL)

XXXX XXXX Account # XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX  Account # XXXX have blatant inaccurate information and according to the FCRA statute 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2022-12-20
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. (CO)

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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Some Fraudulent activity was with my Business Checking Account with Wells Fargo. 

A little over {$2000.00} we taken from my account I have reported it to Wells Fargo within 90 days. 

Wells Fargo refused to reimburse the funds.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-09-05
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. (AL)

XXXX/experian released my report without my written consent and violated my federally protected rights XXXX is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank HSA managed my XXXX account in XXXX. 
The company I work for selected XXXX  XXXX XXXX to hold the XXXX account. 
Our funds were transfered from Webster to XXXX in XXXX. 

XXXX XXXX claims to have issued a check to our family orthodontist in XXXX in the amount of {$140.00}. 

My son 's last appointment with the orthodontist was in the first half of XXXX. 

In XXXX of XXXX, the orthodontist returned to us a check drawn on Webster Banker that was issued to the orthodonist in XX/XX/XXXX. 

XXXX Bank can't explain why they were holding {$140.00} of our money and their proposed resolution is to simply send us the money, leaving the issue of sorting out the tax consequenses and liabilities to me. 

I believe that Webster has completely failed in their obligation to account for our money and to comply with Federal tax law. 

I am asking the CFPB to request an audit of our account and to compel Webster Bank to deliver the {$140.00} to my active XXXX account holder with all tax records accurately adjusted.
Consumer complaint received 2023-07-27
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)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX- XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THESE COMPANIES and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof BY LAW.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

Subject : Urgent Resolution Needed : Discrepancies in Account Numbers and Reporting Dear Chase Bank Customer Service, I am writing to address a critical issue regarding discrepancies between my business accounts associated with Chase Bank. Specifically, there is a discrepancy between my business ink credit card account number and my other associated accounts. 

Details of the issue : My business ink credit card account number does not match the other accounts associated with Chase Bank. 
Despite previous assurances, a reversal fee was applied to my account without resolution of the underlying issue. 
Chase Bank committed to updating and faxing the correct information to the credit bureau to rectify the mistake. However, this has not been done despite several months passing since the initial notification. 
The local branch, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed the discrepancy but has been unable to resolve it, referring me back to customer service. 
This ongoing discrepancy is concerning as it has the potential to adversely impact my credit score due to incorrect reporting. It is imperative that Chase Bank takes immediate action to rectify this situation and submit the necessary corrections to the credit reporting agencies.

I kindly request that Chase Bank : Rectifies the discrepancy between my business ink credit card account number and other associated accounts.

Submits an error report to the credit reporting agency to prevent any negative impact on my credit score. 
Please acknowledge receipt of this message promptly and provide a timeline for resolution. I appreciate your urgent attention to this matter and expect a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or my business On call XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX date of birth XX/XX/year> ss # XXXX Chase branch Dolly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX advised customer service the accounts do not reflect The goal is to fix my credit report
Consumer complaint received 2022-12-13
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc. (MI)

I've tried using it on about six seven different websites or companies purchases and it won't spend anywhere at all can't even edit the cash up can't use it on XXXX can't use it at the store can't use it online wouldn't the XXXX is the problem because the money is there but it just can't be spent for some XXXX  reason I don't know somebody needs to figure this XXXX out
Consumer complaint received 2023-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I've made several disputes online with Experian regarding an inaccurate 30 day late for XX/XX/2021 with XXXX. In my disputes, I was not able to submit evidence supporting the inaccuracy. I have a statement from XX/XX/2021 showing {$0.00} past due from XXXX. This inaccuracy is negatively impacting my XXXX XXXX and affecting my ability to borrow and increasing my costs of borrowing. I have also sent a certified letter with no response from Experian.
Consumer complaint received 2022-11-03
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. (VA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

Citi credit card : A check for a monthly payment was determined by USPS to have been lost. I submitted a replacement check, which Citi acknowledged on my XX/XX/year> statement. The Citi dispute system notified me after Citi deposited the check that the matter was closed. 

It was not closed : Citi then added the same amount as being owed on my XX/XX/year> statement. I started a series of some four calls to dispute this ; each time the agent told me that the problem had been resolved. My XX/XX/year> proves otherwise, and Citi continues to charge me interest on my own funds. 

I have not paid the current amount due, which was dated a few days ago, as I can not get Citi to continue to charge me for the money that they have, for a check that has cleared the bank.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. 

According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. 
According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )