davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (SC)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 2024-02-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-28
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (IN)

I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MN)

American Express Serve has t heir call center in the  XXXX . I filed disputes two months ago for  XXXX  charges. The representative apparently forgot to do it? Called back three weeks later to get a status and they said it was not even disputed! So I started the dispute process ( FOR  XXXX  UNAUTHORIZED CHARGES FROM THE SAME COMPANY THAT I CATEGORIZED FOR THE INCOMPETENT PERSONAL ), again waited anothe r two weeks. Three  days ago  XXXX  other charges were finally provisionally credited. BUT THEY FOR GOT  XXXX  OF THEM! They are making me waiting again so since  XXXX   XXXX ,2017 and it is  XXXX   XXXX ,  2017 . Do n't they have a limit  of 30 -45 day s were they and LEGALLY HOLD CONSUMERS OWN MONEY? I have had it with Fraudulent banks that went from mortgage fraud to insufficient funds charging fraud, to fake account opening fraud. Nobody did anything about that. Also. they purposely hire the worst people for customer service.  Poor  people that present a language barrier and they wonder why there is identity theft ... Needless to say this is another one of my rants that you will do nothing about. your pretty much thee same as them LAZY.. this is just an email forwarding middle man site to pay a bunch of more worthless salaries, while there are actually real smart people that work with pride and are jobless getting hung up on by uneducated low-income accepting incompetent workers. So t o American Express,  not that you give a blank about anything but holding poor peoples money. Your customer service is horrible THERE IS NOTHING EITHER AMERICAN OR EXPRESS THAT YOU PORTRAIT. HAVE FUN EATING CHIPS AND SODA AND HANGING UP ON PEOPLE.     CFPB, NO NEED FOR A RESPONSE, SINCE YOU HAVENT DONE A  XXXX   XXXX  THING ABOUT ANY OF THE COMPLAINTS. I WOULD KEEP IT PROFESSIONAL, ONLY IF I WAS DEALING WITH PROFESSIONALS.     TAKE SOME COURSES ALL OF YOU AND BOOST UP CONSUMER RIGHTS.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

Unfortunately the complaint I made last year on XX/XX/XXXX is not able to have the same corrective effect for this year. HSA bank once again did not approve my XXXX claim on XXXX-the same product I claimed last year. The current denial letter from HSA bank indicates that I need to submit a prescription to deem it medical necessary, which is not true ( the same mistake they made as last year ). Based on the response letter from the company after I submitted a complaint to CFPB last year, the product XXXX was ( and still is, according to IRS guidelines ) eligible after the company finally did the investigation about the eligibility of fiber laxatives. I made XXXX customer services phone calls on XX/XX/XXXX, but no positive results, the representatives re-read the denial letter to me and told me I can not contact claim department or customer service specialist further ( again, the same experiences ) ; I contacted the numbers listed in the company 's response letter last year, but the phone number is not an active one. It is almost unbelievable that I have to go through this every time I need to reimburse the XXXX product.
Consumer complaint received 2023-06-28
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. (NC)

I have given Experian numerous times to comply with my request to update my information as true and correct. I have expressed that all other personal information is fraud and not linked to the informed consumer in any way. 
Because Experian failed to remove incorrect names and addresses, I the consumer was denied an extension of my credit so that I can provide an abode for myself and my children. 
XX/XX/2023 I had to flee my home from a domestic abuser. XX/XX/, I was denied housing from XXXX XXXX. I had to stay in a womans shelter here in XXXX XXXXXXXX XXXX XXXX My XXXXXXXX also suffered XXXX XXXX from living in a crowed shelter. I gave birth XX/XX/, to my daughter while living in this shelter due to Experians lack of duty and respect to my personal information I suffered XXXX XXXX
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) ACCT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-04
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Here are the details of my claim again I made XXXX deposits XX/XX/XXXX in XXXX Texas at XXXX XXXX XXXX XXXX, XXXX, TX XXXX address of the Bank of America. The first deposit was a deposit of {$13000.00} and the second was {$6100.00}. I did not realize that the atm could only take XXXX bills at the time and thus my money was gone. The Transactions in my statement show that I deposited {$7600.00} and {$6100.00}. Bank of America claim they audited and could not find any record of cash or additional cash being deposited at the ATM for {$6300.00} between XX/XX/2021 and XX/XX/2021. This was stated on XX/XX/2021 then on XX/XX/2021 they had stated that We reviewed your claim as you requested, and have determined XXXX deposits were posted on XX/XX/2021, for {$7600.00} and {$6100.00}. 
As a result, this claim should have been for {$200.00} which we have located and will pay. We now consider this claim resolved. XX/XX/2021 I deposited at total of {$20000.00} and bank of Americas ATM machine only claims I deposited {$13000.00}. I would like to get the amount I deposited back from bank of America
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One continues to report incorrect information on my credit report. I called Capital One regarding them not acknowledging my payments, and reporting " no '' payment received.I was told that, because I didn't make the full payment amount that my payment was reported as a missed payment. Just recently, on XX/XX/2023, I made the full payment amount that was billed. Capital One, and this is important, as XXXX has begun the process to end its agreement with Capital One due to, will notify the credit bureau of the payment, however ; leave the utilization high, if it is in fact high. I've called Capital One about this before, when I caught them, they did it again, and I was told that they would NOT be manually updating information that they reported incorrectly. This is very dishonest, and I've asked Capital One to be more careful.
Consumer complaint received 2024-02-28
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I logged into my edd account so I can certify for the weeks shown so I can receive my funds. I certified plenty of times so I knew something wasn't right soon as it basically showed it wasn't accepted i checked my inbox for the unread message. I received a letter of appeal due to verification reason and the appeal gives you a date you must appeal before that date. I mailed the appeal to them 4 different times and I even contacted them everytime to see if they received the appeal. I also asked if they had a fax number that I can fax them over the appeal letter I mailed them. I was letting every representative know that I really need help if I need to speak with higher up can I get transferred because I can not leave the XXXX unpaid I need the funds to handle rent, daycare and to purchase item 's I needed for my son and family. I tried to order a card and they denied me and blocked me from receiving a new card
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX continue to report a collection/chargeoff on the CITICARDS partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/2023, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because of apparent inaccuracies. 

First, this account was deleted from XXXX but XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? 

The date of the last activity does not match. XXXX is reporting the date of the last activity as XX/XX/2023 while XXXX is reporting XX/XX/2023 Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are apparent inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Caine & Weiner has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information, a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

I filled a dispute with XXXX on XX/XX/2023, and with Expeiran on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there
Consumer complaint received 2023-06-28
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-28
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 Act XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-28
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.