davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (TX)

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. 

Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. 

I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Assurance of ongoing monitoring and protection against future instances of fraud or identity theft.

I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (CO)

Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-04-23
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX : XXXX RIVER XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (CO)

Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2024-02-20
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. (PA)

I have written multiple letters, requesting the removal of my payment history with my XXXX XXXX, XXXX XXXX car loan as it is illegal to report transactions history on my consumer report. This is also a violation of the privacy act. It is the Cfpb duty to inform my rights. My last response and investigation has taken over 3 months and I am repeatedly give the same generic response see complaint # XXXX it is illegal to report transaction history on my consumer report
Consumer complaint received 2022-04-23
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. (CO)

Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have tried to fix this with XXXX XXXX  4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXX XXXX  that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXX XXXX  on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal Credit Union recently revoked my debit card privileges in XX/XX/XXXX. There explanation provided to me by a XXXX was due to XXXX XXXX claims filed 6 months time frame. I opened my account with Navy Federal Credit Union in XX/XX/XXXX. My first fraud claim filed was on ; XXXX {$1300.00} XXXX {$1100.00} XXXX {$240.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$270.00} The fraudulent filed claim was reported immediately, and approved by NFCU. The next Fraudulent claim reported to nfcu was on XXXX {$1100.00} & XXXX {$240.00}, which was denied by nfcu. I reported claim XXXX {$240.00}, which was a continuation of left off unauthorized charges day before, however, it was resulted in a new fraud claim. The last XXXX fraudulent claims filed on XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, was approved by NFCU. Only XXXX fraud claims were actually accepted and approved by NFCU. XXXX of the claims filed XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, are within 6 months time frame. I filed a appeal on XX/XX/XXXX, I provided NFCU a copy of a police report, FTC Identity Theft Report, IRS XXXX XXXX, appeal was denied, which Nfcu XXXX not notify in writing or email. Under the XXXX If you suspect there have been unauthorized transactions involving your accounts, it could be a result of identity theft or a lost or stolen debit card. In these cases, you have recourse under the XXXX. Notify your bank of a lost or stolen ATM or debit card right away. You are no longer responsible for unauthorized use of the card as soon as you report the loss. If you report a lost or stolen ATM or debit card within XXXX days, the XXXX limits your liability to {$50.00}. If you report the loss within 60 days after your statement is mailed to you, you could lose as much as {$500.00}. I have an over draft protection on my account, that I usually have 30 days to bring current, since my debit card privileges has been revoked, NFCU recently sent me a letter informing me that I had to bring my account current by XX/XX/XXXX. My account has only been in a negative status for less than a week. This is unfair and unjust discrimination by NFCU. 

If you dont report a loss within 60 days you risk unlimited loss. 

Once notified, the financial institution has XXXX business days to conduct an investigation of the claim. The institution must tell you the results within XXXX days of concluding its investigation. If a mistake was made, the institution must correct it within XXXX business day. Occasionally, banks can take up to 45 days to conduct the investigation, but in these cases, the bank has to give the disputed money back to you until the process is over.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (CO)

Account XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (VA)

XXXX XXXX XXXX is a certified Service-Disabled Veteran-Owned Small Business ( XXXX ) and the Small XXXX XXXX ( XXXX XXXX XXXX Our XXXX XXXX Code is XXXX and our ( XXXX ) is XXXX in the state of Virginia. 
XXXX. We hold XXXX XXXX ( a ) and XXXX XXXX certifications. 
XXXX. XXXX Certified Veteran XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ) contract holder under contract # XXXX XXXX. Member of the XXXX XXXX XXXX XXXX, XXXX XXXX, and VETS Go Global. 
Specializing in delivering high-quality IT solutions and the export-import of food commodities, we serve high-profile clients including the Department of State, the Department of Homeland Security, the Department of Veterans Affairs, and the United States Agency for International Development ( USAID ) .

US trade office recommended us to Citi Bank for our international projects, In XX/XX/XXXX, we opened a Citibank account following discussions with Citibank 's trade office, which we believed could support our international project and trading activities in the food commodities sector for Relief aid projects in XXXX. We were informed that the onboarding process for trade finance would take between XXXX to XXXX months. During this period, we utilized our funds, including loans, to conduct our trades, paying various vendors in XXXX, XXXX, and XXXX based on work orders we received. Despite managing {$18.00} XXXX worth of projects from Govt of XXXX, we had to make regular payments to our suppliers, we were unexpectedly notified in XX/XX/XXXX that our account would be closed, without being given the reasons behind this decision. 

Initially, we chose Citibank for its reputed international trade finance capabilities, as advised by a U.S. trade office. However, the notification of account closure came without a clear explanation. To date, we remain unaware of why our account is being closed on XX/XX/XXXX. 

We are eager to clarify the situation, offering justification for our transactions if necessary. Specifically, we have been fulfilling a government of XXXX work order valued at {$18.00} XXXX, directing payments to various vendors for essential purchases. 
As a veteran-owned entity we are seeking CFPB assistance to help us understand why our account will be closed. We have been doing all the transactions per the guidelines of the bank and we request CFPB to allow us to explain to Citi Bank our business working model for international trade. Our reason to work with Citi Bank was that we want to avail their services for the US international trade finance by now because of this decision we will not be able to use this service that is prompted by XXXX XXXX XXXX XXXX XXXX ( VIP ) for veterans like me. These are the trading services that have been promoted by XXXX VIP and now if our bank account is closed then will loose the year and a half banking relationship that we have established with Citi Bank, we would be pushed back to our state as we were in XX/XX/XXXX to start a banking relationship with a new bank.
Consumer complaint received 2022-04-23
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. (ME)

On XX/XX/2021. While I was in the process of purchasing a new car. I had a existing pre-approval from my bank ( XXXX XXXX ) before I traveled to the dealership planning to go through my bank. Due to work, I had to leave early so I put a deposit on the car to hold it until the next day along with filling out a small amount of warranty paperwork. Later that night, I noticed my credit was pulled from multiple lenders on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Due to the urgency, demand and distance from the dealership, I felt stuck with the auto loan provided by them, along with a 2k price markup that I was unaware of until the final paperwork. Within a month I refinanced the loan with my bank in XXXX. Shortly after, I called XXXX to dispute the inquires, after my contact with the dealership went silent. Since the dealership is 3 hours away I wasnt able to go in person. 

Another hard inquiry I noticed. On XX/XX/2021, After opening a checking and savings account with XXXX XXXX I was never made aware it would involve a hard pull Ive never heard of a hard pull for a bank account so I talked to a couple people at the bank but was just convinced it was normal. I try disputing this inquiry online through Transunion but with no avail.
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (CO)

Since completion of my XXXX XXXXXXXX Bankruptcy ( ended XX/XX/2022 ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 

I have attached a current copy of my XXXX XXXXXXXX XXXX  statement which is not being reported
Consumer complaint received 2024-02-20
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-11-07
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. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (CO)

Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2015-08-11
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is a collection that is being reported illegally this is violating my privacy and HIPAA law.

Please remove from the credit report or you're opening yourself up to litigation. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.