davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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. (IA)

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 Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : 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 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, Transunion and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am writing to formally report severe financial and personal hardship as a result of identity theft, compounded by the XXXX breach. As an XXXX  since XXXX, I have continually faced significant barriers due to language and cultural differences. Despite my proficiency in English, the complexity of financial terms and disclosures remains a substantial challenge, often leading to misunderstandings and mismanagement of my financial affairs. This situation was exacerbated by the unauthorized use of my personal information, resulting in erroneous charges and accounts that have devastated my credit history, which I had diligently built over the years. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and to have any inaccuracies promptly corrected. Additionally, the Fair Credit Billing Act ( FCBA ) and the Identity Theft and Assumption Deterrence Act provide frameworks that obligate creditors and credit bureaus to respond swiftly to disputes like mine regarding fraudulent transactions and accounts. The discrimination and negligent handling of my financial information have not only hindered my access to credit but have also led to violations of these protections. 

Given these circumstances, I demand an immediate investigation into these matters, and pursuant to the FCRA, I request the prompt removal of all inaccuracies and fraudulent accounts from my credit report. This corrective action is critical to restoring my financial stability and ensuring compliance with federal laws designed to protect consumers from such egregious errors and identity theft consequences. I urge for a thorough review and swift resolution to prevent further undue hardship and to uphold the integrity of consumer rights.
Consumer complaint received 2022-11-23
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.
Consumer complaint received 2023-03-01
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (WA)

I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.
Consumer complaint received 2023-05-15
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. (PA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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 2023-05-15
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. (NC)

15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.
Consumer complaint received 2023-05-15
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. (MO)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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
Consumer complaint received 2023-05-15
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to reinvestigate 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 
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 2020-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Fraudster have our corporate bank account info and have deposited fraudulent checks and submitted Fraudulent ach debits utilizing multiple credit unions. 

USAA.COM PAYMENT tried to debit {$46000.00} Friday XX/XX/XXXX Originating id:XXXX XX/XX/XXXX Check # XXXX XXXX XXXX {$4900.00} XXXX XXXX  XXXX, MD USAA Credit Union This is jut one credit union but there are multiple involved with these scheme. Please see the attached spreadsheet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (TX)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-15
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. (WA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2023-03-01
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from XX/XX/XXXX- XX/XX/XXXX without my permission when the vehicle was first leased in XXXX which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission. 

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

Hello, On XX/XX/XXXX, I authorized XXXX to charge my Barclay 's XXXX MasterCard in the amount of {$750.00} with the understanding the money would be deposited to my account to be used. XXXX ended up charging my card a total amount of {$840.00} which was an overcharge of {$93.00}. I reached out to Barclays to file a dispute and they did, XXXX, but only for the overcharge amount of {$93.00}. When XXXX found out, they immediately pulled ALL of the funds out of the account, took my credit card off their file and suggested I should have raised the issue with them versus going thru Barclays. They also took some of my " winnings '' and suggested they won't put anything back into my account until I redeposit the {$750.00}. I explained to them that their processor only credited back the overcharge and therefore they are not going to put the money back in my account. 
I attempted to work with Barclays but they insisted that I can only fax over the evidence or mail via US Post Office. I shared the challenges of doing this during a Global pandemic and they shared they don't care and that is the only way to communicate with them. 
In checking my credit card on line looking to see if they have resolved the issue I then noticed on XX/XX/XXXX XXXX fraudulently charged my Credit Card in the amount of {$870.00}. I reached back out to Barclays and created a 2nd dispute, XXXX XXXX. I was able to take screen shots of my chat conversations where they admitted that they : credited back the entire {$840.00}, took all the money out of my account, and never even charged my card for the XX/XX/XXXX charge. I sent all of this via US Mail to Barclays as evidence of fraud. 
Barclays has done everything they can to give me the run around and not look out for me regardless of the fact I have an XXXX credit score and have NEVER had debt collection or disputes in my life. They didn't seem to care. 
On XX/XX/XXXX I received correspondence from Barclays that the fraudulent charge on XX/XX/XXXX was closed and the ruling was not in my favor with the comment " The chip on the card was read and validated during the authorization process or CCV was confirmed '' which would be true if they had my CC on file, which they did, but does not mean I authorized it and AGAIN, I HAVE CHAT CONFIRMATION STATING THEY NEVER RAN THE CARD THE 2ND TIME ON XX/XX/XXXX. 
Barclays advised that chat messages are like text messages and are not legally binding but I can share dozens of cases where text messages have been used in a court of law and view this as yet another example of unethical business practices by Barclay. 
I am not paying those outstanding charges and need to understand what Legal recourse I have. 

Thanks, XXXX XXXX
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX I attempted to send {$1000.00} to a person via Bank of America mobile banking app from my XXXX with the app BoA provided to me. I sent the money to a telephone number, one of 2 choices the other being an email address. This was a domestic transfer to a person that provided me with a service, boat transport. BoA sent the money to a foreign account, unknown to me, they do n't provide any infomrmation. The person I sent the money to has no foreign accounts. I provided no banking information for the person that was to receive the money, only a phone number. They have had their number for well over 10 years, not a new phone number. BoA claims they followed my instructions so they are blameless. They clearly did not. They found the incorrect link to a bank account, not me. This is not the first online problem with BoA in the past 9 months but the only one this complaint is concerned with. 
They clearly need to return the fraudulently transferred money. 
Claim number XXXX. 
Account ending in XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear CFPB, I am writing this to have assistance with having my personal information updated on these credit reporting agencies. I reviewed my report and I have seen a lot of inaccuracies. 

My name is : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Please have the agency update this accordingly.