davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (IN)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2019-11-27
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2022-08-31
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: Global Lending Services LLC (KY)

I did not apply for credit with GLOBAL LENDING SERVICES on XX/XX/22. XXXX XXXX IS RUNNING MY CREDIT WITHOUT PERMISSION. PLEASE SEE SCANNED DOCUMENT.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8900.00}
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8900.00}
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Experian Credit Bureau 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2022-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

Unfortuntly due to a hack we were trying to purcahse a puppy by a person we thought was the original person and we were scammed by sending a XXXX doposit. 
I havr contacted zelle about the hackers and have not had no reply.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I deposited a check for {$2100.00} to my Bank of America account, XXXX. This was a paycheck from a local XXXX entity, the XXXX XXXX  of XXXX, NY. I had no reason to believe there would be issues, so I made two XXXX payments for {$30.00} each ( a total of {$60.00} ). 

On Saturday, I log in to my bank and see that my paycheck was on hold until XX/XX/XXXX, eleven days after my deposit. 

On Monday, I see that I was given two separate item returned fees for {$35.00} each, a total of {$70.00}. The withholding of my funds caused an overdraft because my account didnt have enough to cover the XXXX fees and a recurring XXXX  fee of {$65.00}. 

I am attaching bank records to show these transactions. 

I have also received a letter from Bank of America explicitly stating they will reverse item returned fees that result from the hold of my check for {$2100.00}. That is attached.
Consumer complaint received 2021-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America ( BofA ) placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with BofA in the past 2 years. I contacted XXXX on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact BofA directly. I contacted BofA on the same day and submitted an investigation into such inquiries. I never received any answers from BofA and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from BofA was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with BofA in the past 2 years. I contacted BofA again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see XXXX report with the disputed account and hard inquiries highlighted in yellow.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, Transunion and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report Transunion-I called them and they sent me to a specific agent that would not say anything once we were connected.
Consumer complaint received 2021-12-27
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)

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to Experian requesting removal of two accounts XXXX XXXX XXXXXXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXe ( XXXX ) the listed accounts aren't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the accounts are legally my accounts. I have also call the reporting agency several times to get this matter resolved. These referenced accounts have been removed off my XXXX report due to illegal reporting of false accounts. 

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX requesting removal of one accounXXXX XXXX XXXX XXXXXXXX ( XXXX ) the listed account isn't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the account is legally my account. I have also call the reporting agency several times to get this matter resolved. These referenced account has been removed off my XXXX report due to illegal reporting of false account.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CT)

Received a call for a student loan that is owed by someone with the same name as me. I have been receiving these calls since XX/XX/XXXX. I received a voicemail on XX/XX/2019 at XXXX XXXX from an agent XXXX XXXX agent ID # XXXX from number XXXX. I called and have informed them that I do not have student loans and to stop calling. The calls continued about 2 to 3 time a day and still continuing and I would block the number and they would call from a different number. This is very harassing when I am at work and have to deal with this everyday.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear, XXXX, XXXX, and TransUnion Consumer Solutions, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow  up with them directly. Thank you for your assistance in this matter.
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. (GA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-27
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. (PA)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (FL)

After months and months of battle, it was today XX/XX/2019 that XXXX deleted it from my credit, they keep reporting on my credit since may, they have cause so much damage to my name and reputation. I call for justices Account details XXXX $ open balance Original creditor XXXX XXXX XXXX Opened XX/XX/2019 ( 9 mos ) HIGH IMPACT * needs attention
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof
Consumer complaint received 2022-09-25
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)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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