davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: OLD NATIONAL BANCORP (IN)

I had issues with Old National Bank overdraft fees. I am a XXXX veteran who doesnt qualify for overdraft protect due to my medical bills after my second transplant. I paid my XXXX bill and it was taken early. I also paid for gas and snacks at a gas station and the amount I paid exceeded the the amount of gas I put in. When I tried to get my refund they couldnt give it back in cash so I had to wait until the money was put back on my card. As I am sending this email I am still waiting for my money to be refunded. My account was in the negative {$30.00} because of these issues. The next day XXXX account was in the negative at {$77.00}. The amount doubled due to the overdraft fees. I explained my issue but no one responded. I had proof of everything I said but they either ignored me or didnt get it. No ones bank overdraft fees should be more than what the amount of the overdraft. They also could have used discretion hen viewing my account. They allow an overdraft fee after {$25.00} and mine was {$30.00}. Im a XXXX veteran living off XXXX and they seem to not understand how those fees affect their customers. They should never have a policy that dont allow wiggle room for cases like mine. Ive been with this bank for XXXX years and it seems to hold no weight in their decisions. How is this legal for XXXX fees and XXXX dollars a day afterwards. They never sent a notice of the overdraft. They send account balances on XXXX but none for overdrafts
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2020-12-31
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)

XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations
Consumer complaint received 2020-06-09
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)

EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-06
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. (SC)

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2023-02-08
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-09
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

Experian is claiming the information they have on file is accurate and has been verified. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Federal Privacy Act of 1974 - 5 U.S. Code section 552a. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  BANKRUPTCY I therefore request that you remove immediately this Bankruptcy from my credit report with Experian, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX filed XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX type Bankruptcy XXXX XXXXdismissed XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX XXXXdischarged
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 CitiBank closed both of my credit card accounts. One account had been open for over 10 years and the other 4 years. I had never missed a payment in that time span and never exceeded my credit limit. I carried a balance on only one of those cards while the other was paid off every month.

CitiBank provided no warning or notice prior to this taking place. Their customer service representatives both on the phone and in the branch could not provide me with any details as to why my account was closed. I was given an address and told to write a letter.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (MO)

This is my 5th time reaching out I am Requesting these accounts to be removed from my report I am a single mom and I want my report to be correct. 
I do not give permission for these accounts to be on my credit report. Please Delete/ remove it from my report. 

In accordance with the Fair Credit Reporting act XXXXt Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2023-03-06
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. (IL)

in accordance with the fair credit reporting act XXXX account # XXXX with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 a. states i have a 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 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

THRU THE XXXX XXXX XXXX XXXX XXXX  I GOT CONNECTED TO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), THE GROUP COUNTED XXXX TRADERS, WHO PARTICIPATED IN TRADING CONTRACT WITH CRETOR OF THIS GROUP PROFESSOR XXXX XXXX WHO WAS PROVIDING TRADING SIGNALS AND EDUCATED THE GROUP IN TRADING.I WAS INVOLVED IN TRADING WITH XXXX  XXXX FROM XXXX XXXX XXXX INVESTED AND PAID SERVICE FEES XXXX ATTEMPTED 3 TIMES TO WITHDRAWAL MONEY, THEY LOCKED 3 TIMES MY ACCONT TO PAID THEM SERVICE FEES XXXX AND I PAID ALL.THEY PROMISED THAT MY ACCOUNT BE UNLOCKED AND I CAN WITHDRAWAL ALL MY MONEY WITH XXXX ATTEMPTED FOURTH TIMES AND THEY XXXX AGAIN, THEY WANTED TO ME PAID ANOTHER XXXXFOR UNLOCKED MY ACC.I STOPED WITH THEM AND REPORT SCAM TO XXXX XXXX POLICE, MY REPORT # XXXX I REPORTED SCAM TO FEDERAL TRADE COMMISSION, REPORT # XXXX, ALSO I REPORTED FROUD TO MY CITIBANK ALL WIRE TRANSFERS XXXX WHAT I DID THRU MY CITIBANK.
Consumer complaint received 2023-03-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts : XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.
Consumer complaint received 2022-11-05
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.
Consumer complaint received 2023-03-05
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

15. U.S.C. 1681 Section 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 an account without my written instructions.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my XXXX, XXXX, and Experian credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with XXXX, XXXX, and Experian. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( TransUnion, XXXX and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXXP Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

This account is identity theft someone has used my SSN as personal gain. I have been fighting this company for years about this alleged debt that I am not responsible for. The company where the alleged loan was supposedly initiated at on XXXX XXXX XXXX XXXX XXXX XXXX has went out of business. I went there personally to get proof of identity to see if the ID matches mine, and to also get Proof of Contract Agreement. I have been in contact with their main office and also credit agencies advising that this is not mine. However I failed to get the adequate docs needed to prove it is mine legally. I am getting the run around, and I have received computerized statement with a digital signature. These docs does not have an original signature or my signature. I am exhausted from the run around, and the frivolous information that is being reported monthly as a " charge off '' claiming to be an auto loan. This is not true. My next step is contact an attorney that the XXXX XXXX XXXX has referred me to, if this is not cleared up the legal way.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.