davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

I randomly received a Mastercard fro Comenity Bank that I never applied for so I called to close the account. I was told I would receive an email confirming the closure but never received it. I called the same phone number to confirm. It was closed and the verbal league confirmed that the account was closed. Couple weeks later I received an American express bread rewards card from Comenity that I never applied for with a {$6500.00} credit limit. I called the XXXX XXXX number listed in the paperwork and an automated message Stated that they can not assist me until after XX/XX/XXXX And then disconnects the line.. Today is XX/XX/XXXX And I'm still getting the same message with an immediate disconnection of the line. There are no other phone numbers to call and quick search on the internet gives the same phone number. It is not allowing me any other options to close the account or to even talk to anybody. This worries me deeply that I can get random credit cards in the mail with No Idea where they came from or How they got my information Without my knowledge or approval. I want the account closed. I don't trust this bank. I don't want them to have any of my information. I don't want them to reach out to me for anything but to close this account.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Sect

ion 602A States I have the right to privacy. 15 U.S.C 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have. 

Will be placing credit freezes with bureau as well.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (IL)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have.

Will be placing credit freezes with bureau as well.
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

I have a negative mark on my credit report from LVNV FUNDING LLC regarding an amount of {$1400.00}. I have no idea who this company is. I never received a bill or notification regarding this amount.
Consumer complaint received 2023-11-04
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. (GA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2019 Reference # : XXXX.
Consumer complaint received 2023-09-09
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: U.S. BANCORP (AZ)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank failure to replace two fraudulently altered gift cards ( XXXX x {$400.00} XXXX x {$480.00} total {$880.00} ) Dear Sir or Madam, I purchased two {$500.00} US Bank XXXX XXXX cards from the grocery store in XXXX. The magnetic stripe on each was not functional however I was able to begin using both cards online. In both cases I used these cards partially and then went to XXXX. When I returned to the US and tried to use these cards again, I discovered that all remaining funds on both cards had been drained fraudulently via XXXX transactions at a California XXXX  store that I had never visited and in addition, these transactions occurred while I was in XXXX and these cards can not be used overseas per Terms and Conditions. 
I reported this by calling the XXXX XXXX number on the back of the cards and was instructed to send the information to the Prepaid Dispute Resolution center. I faxed the information above and later I received two letters dated XX/XX/XXXX, one for each card. These letters acknowledged an error occurred and that the disputed amounts would be credited in the form of new cards sent to my address. The letter stated that you will receive it ( the new cards ) within 7-10 business days. ( see enclosed letters ). 
It is now XX/XX/XXXX which is 30 business days later, and neither of these cards has been received. 
Funds totaling {$880.00} as above have not been returned per the letters issued by US Bank XXXX XXXX XXXX Dispute Resolution. Please can you ensure US Bank follows through on its obligation. 
Thank you for your assistance. 
Yours truly, XXXX XXXX
Consumer complaint received 2023-09-09
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. (MI)

XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MI)

They sent out several duplicate cards and they all were activated on my same account from my payroll provider they allowed my money to withdraw from all card until my savings were all gone I submitted a dispute to have my funds returned and they have taking thru a lot of different steps and still havent received my funds and they are still mailing me different cards that are attached to my account. Please help restore funds to me
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I sent a letter in XX/XX/2021. I've never received a response. This company is reporting to the credit bureaus that I owe them a debt with no original creditor information. They're trying to collect on a debt thats not owed to them. They're refusing to send me debt validation. They do not have a license for the state of Ohio.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (WA)

I purchased a Amex egift card with XXXXXXXX XXXX in it. But I can't use it anywhere. I only successfully made one purchase with XXXX but all other payments after are failing. I called the customer service multiple times. The agent confirmed the card is activated correctly, and it should be able to be used online and in physical stores. But it is not the truth. My payment keeps failing, and I keep getting charged XXXX XXXX from the online stores. The agent refuse to transfer my egift card to a physical one and there is no way I can spend the money I load. so I basically lost about XXXX XXXX I want my money back.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (FL)

As a federally protected consumer, I am writing to formally address several concerns regarding the unauthorized sharing of my personal information and collections activity by your company. I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, in accordance with the provisions outlined in 15 U.S Code 6802-6805. This opt-out is effective immediately and indefinitely. 

It has come to my attention that your company has engaged in the sharing of my private information with third-party agencies without my explicit consent. This action is a blatant violation of my privacy rights as guaranteed under the Privacy Act of 1974. I want to make it unequivocally clear that I have never authorized any entity to disclose my personal information to third parties for any purpose whatsoever. 

Furthermore, I demand the immediate cessation of all collections and charge-off activities associated with my account. It is essential to note that any attempt to collect on these debts is in violation of federal law. Under IRS publication guidelines, collections and charge-off activities are considered a certificate of indebtedness, constituting income that must be reported and subsequently removed from any records. 


Thank you for your attention to this matter. I trust that you will act swiftly to rectify these violations and prevent any future breaches of my privacy rights. 

Sincerely,
Consumer complaint received 2023-09-09
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. (IL)

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, TransUnion ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Consumer complaint received 2023-06-16
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A 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 with my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2022-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, I opened a Chime account with a {$500.00} deposit. My intention was to use the account as an emergency account. I attempted to log into the account via the app the week of XX/XX/XXXX to find a notice saying my account was closed. I called on XX/XX/XXXX and was told the account was closed on XX/XX/XXXX, due to inactivity and the funds were sent to the California XXXX XXXX XXXX XXXX. I checked the Unclaimed Property site for the California XXXX XXXX XXXX XXXX and the funds were not listed. I was placed on hold for more than 20 minutes while the representative spoke to the Escalation Department before I was disconnected. On Tuesday, XX/XX/XXXX, I called back and I was told the funds were returned to the bank where I made my original deposit transfer on XX/XX/XXXX. This is incorrect and the funds are not with the original transfer bank. Currently, the funds are unable to be located by Chime.
Consumer complaint received 2023-09-09
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. (LA)

Randomly checked credit report to prepare to purchase another home. Notice accounts that weren't mine. I called the local police department. they couldn't do anything until I attempted to dispute directly. 

These are the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} I do not use any of these companies and 2 of them are debt collectors with debts that I do not even have. 

Will be placing credit freezes with bureau as well.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.