davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (CT)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-09-06
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. (CA)

This is

my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX  XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was scammed out of thousands of dollars by a cryptocurrency trader or some kind XXXX expert. I was told that if I invested {$1000.00}, I will make {$10000.00}, which I did, but I needed to pay an upgrade fee of {$3600.00}. I finished paying it off, but I was told that I had to pay {$1900.00}, because I failed to pay the upgrade fee on time ( {$3600.00} ). I informed her that I wouldnt be able to pay the {$1900.00} and I asked for refunds, but she refused to do so and she repeatedly told me I cant get refunds. I informed my bank, fifth third bank, about the situation and they issued a provisional credit of the total I gave away ( {$4600.00} ) on XX/XX/XXXX. Its been a month and they are now asking for the funds to be returned. I was told that I would receive a resolution of the case on XX/XX/XXXX, but I never got any calls, emails, or texts about the status of the case. I assumed that since I received the provisional credit, that was it.
Consumer complaint received 2023-01-05
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc. (CA)

I opened a " loan '' with XXXX on XX/XX/XXXX. {$500.00} I had immediate access and {$1500.00} was in a " locked saving account ''. I was way ahead on paying the " loan '' off and by XXXX had the actual loan of funds that I had been given fully paid so the " savings '' had more than the " loan ''. Shortly thereafter I went to make another payment and both the " loan '' and " savings account '' had disappeared with a note that they were being transferred to another company. 

It took over two weeks to even find out what company it was and to get any information whatsoever. 

Once I had access to the new " loan '' I tried over and over to use the " savings '' to pay it off and close them both due to the lack of transparency and sense of dishonesty. They just kept sending me back and forth between the two companies and refusing to do anything. 

So I have been trying to pay it off asap and get away from this. It is clearly a scam. The links in the emails from " SST '' go to unsecured pages and now the entire website is very clearly fake ( the fake website I first saw today ). I have screenshots of everything and need to get this fixed. They have now scammed us out of XXXX and XXXX  of dollars.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

the addresses on my credit report are not my addresses these addesses is not mailable # 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 2022-04-19
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. (WA)

I pulled my credit report and noticed that my utilization rate is being reported on my XXXX account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to Experian, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Consumer complaint received 2023-03-01
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. (TX)

XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (AL)

I have banked with Regions since 2018, I've been a long time loyal account holder and when I saw that they have been illegally charging overdraft fees from clients for years everything began to make sense. I've been hit numerous times with multiple overdrafts since I've had an account. I never noticed before because I believed it was my own error with my finances but I began to notice that there were times I would be hit even with sufficient funds in my account. I'd like to file a claim to see if I'm eligible for a share in these refunds that the company has to so rightly return from us. It's hard to trust banks in the first place but now to see how much fire they're under in the past decade ; where can I place my trust in knowing my money is secure?
Consumer complaint received 2022-04-19
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: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : XXXX XXXX : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/20XXXX XXXX XXXX XXXX : XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. 
THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. 

they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account
Consumer complaint received 2022-04-19
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)

XXXX experian and XXXX are in violation of 15 usc 1681b ( a ) ( 2 ) I the consumer never gave neither consumer reporting agency written consent to report anything on my credit report I have asked they remove these inaccuracies off my account they have not and are breaking the law.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (DC)

The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Tuesday, XX/XX/2019, there was a fraudulent inquiry made on my Capital One account which is actually closed but still open with a collection agency. Capital One had a breach of consumers information to millions of customers. I received an email stating that " Looks like youre having trouble signing in. For your security, we locked your account access as of XX/XX/2019 at XXXX XXXX ET. '' I did NOT try to access my account! I am a victim of fraud due to the breach of information. I tried calling Capital One to report the fraud but the automated phone contact tried transferring me to the collection agency handling my debt.
Consumer complaint received 2023-06-27
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. (LA)

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

Account name : XXXX  XXXX - # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX  XXXX XXXX # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 that no consumer reporting agency may make any consumer report containing the following items. 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 2021-02-19
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. (PA)

Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2023-05-13
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)

I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion indicates that they verified the bankruptcy account through the Bankruptcy court. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. TransUnion List the court as a method of verification and the court denounces that investigation in the letter provided As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. Also, Transunion has not verify the information accurately and I ask that they remove it immediately.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.
Consumer complaint received 2022-09-05
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. (RI)

I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX  XXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''
Consumer complaint received 2023-11-28
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. (MI)

I am writing to file a formal complaint against Equifax, XXXX, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, Equifax, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with Equifax, XXXX, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that Equifax, XXXX, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by Equifax, XXXX, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that Equifax, XXXX, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax, XXXX, and XXXX in accordance with the USC.

I have attached a copy of the Final letter that was sent to Equifax, XXXX, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.