davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (DC)

I have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: LCI Acquisition Inc. (VA)

This is pertaining to a bankruptcy that I filed in XX/XX/2018 and the case was closed without a discharge but XXXX continues to report inaccurately because they say their third party agency LCI CONSUMER CENTER is providing this information so I filed a dispute with LCI through email as I was advised they sent me an email stating that it was in fact inaccurate information but nothing was done or fixed in regards to this I will be attaching court documents to verify my accuracy.
Consumer complaint received 2023-05-24
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: Lockhart, Morris & Montgomery Inc. (OH)

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
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. (TN)

XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section XXXX : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CO)

I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be  applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. 
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. 





I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. 

Best, XXXX XXXX
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (PR)

On XX/XX/2024, Navy Federal Credit Union blocked my access to my banking and closed my accounts after I logged in using a new browser. I called and was notified to call later, the following day I called upon opening and confirmed all of my log in information which included the exact times of the login that was made ( confirmed by customer service ). 

They then told me to send them an email with : XXXX. Full Name : XXXX. Access Number : XXXX. Reason : Online Banking Unlock XXXX. Latest IOS Version ; XXXX. Picture of photo ID XXXX. Signature signed 3 times I was told that I would be contacted within the hour. They never contacted me, so I called once again and they said they couldnt find the email, even though I provided everything. They then said after another call that they needed the information sent another way ( handwritten, all in XXXX page ). I sent it once again and provided all the required information to reinstate my account. They said they would get back to me. They still have yet to reinstate my account access after confirming my identity and providing all the required information. I cant access my accounts which includes a credit card, debit card, and savings account. Its hard to get in contact with that department and this short process took over XXXX hours with phone wait times. I am overseas and cant walk into a branch, but have provided all the proper ID to confirm my identity and reinstate my account. They arent doing that and tell me to keep waiting. It shouldnt take this long to have access to my bank accounts.
Consumer complaint received 2023-01-26
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. (NY)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Back in XX/XX/2022 I got XXXX XXXX I behind in payment I miss my first payment last mth and knw they Gon report it late too da credit bureau I had covld I was down fa 2 month so I was not ingonein them I was out n no work I wnt too pay and get bk on track
Consumer complaint received 2022-11-07
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
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. (NJ)

I sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 

I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair and rude practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges.

The Bank completely destroyed my Credit and Credit Scores by creating unlawful, unfair and biased debt based on fraud and disputed charges.

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts.

Hense, the bank also has been charging my Debt based on Identity Theft.

The Bank has been Reporting Disputed Fraud amounts to the Credit Burrous as my " Defaulted Debt '', The Bank has been reporting unauthorized disputed charges as Delinquent.

The Bank never notified me about actions and/or results of their investigations on disputed charges. 

Since XXXX, I opened 9 accounts with the Bank. Including credit/debit cards, checking and trust accounts.

As of today, all 9 accounts have been charged-off, closed, reported as delinquent and sent to Debt Collection Agencies. 




At this time, I know that two credit cards, ending at XXXX and XXXX, were charged-off at Bank 's request on XXXX and XX/XX/XXXX. I have no idea or knowledge about the latter. 
My Irreversible XXXX Account ending in XXXX was charged-off or closed in XX/XX/XXXX. I have no information available. 

At least one of my credit card accounts were sent to collection agency ( in XXXX ) Most importantly, that my personal checking account, ending in XXXX, with {$69000.00} of funds available, was abruptly closed last week, XX/XX/XXXX. I have no information available about the account. 
This account has been my main source of money. 

Since last week closure, I have no money available to eat, get transportation and basic essentials. ( I do n't drive ), Despite my numerous attempts to get any information about the closure, or when I will be getting final check, or any notifications about the closure, ( it has been 9 days since the closure ), the Bank keeps ignoring me, and living me in the " dark ''. 

I need your help to resolve these issues. 

Sincerely, XXXX XXXX XXXX I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXX Report etc.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your foreigners allowed to access our accounts I cant get credit because your so called system of security is a joke when the foreigners get to get credit in my name with XXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.
Consumer complaint received 2022-11-07
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)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX XXXX ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.