davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2024-02-08
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. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed XXXX Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2020-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (NY)

Global Lending is a fraudulent company they are trying to collect a debt that is not owed, they have no records of such debt and continued to allow this debt to be in my. Credit report. 

They have no valid information for me to investigate and they have not submitted to me any validation of this debt include signed documents and proven balance. This is not a valid account.
Consumer complaint received 2024-02-08
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. (GA)

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : 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 How is this report considered accurate when the account number doesn't even match.
Consumer complaint received 2021-11-23
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. (MI)

XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Consumer complaint received 2018-12-20
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. (TX)

I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.
Consumer complaint received 2020-09-23
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. (NJ)

All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XX/XX/XXXX, I wrote a check and did a mobile deposit into a a bank account I have at another bank. There was an issue with the scanning of the check. On XX/XX/XXXX, Bank of America did a " Posted Item Correction Debit '' for check I wrote in the amount of {$3000.00}. My other back then rescanned the check and on XX/XX/XXXX Bank of America tried to pull the {$3000.00} out of my account for the check properly scanning. The check bounced due to insufficient funds, as they had been pulled out on XX/XX/XXXX and never returned. On XX/XX/XXXX, the same issue occurred where Bank of America again tried to pull the {$3000.00} out of my account. I spoke to someone who did a stop payment on the check, subsequently pulling the {$3000.00} out of my IXXXX XXXXXXXX XXXX XXXX Account. 

On XX/XX/XXXX, I was told by a representative they saw the error and were filling a claim. I never got my money back. Ive called and spoken to people on XXXX. On XX/XX/XXXX, I spoke to someone in research and adjustments by the name XXXX. I was informed there was a bank error under the " Posted Item Correction Debit '' notes. There was a note from the bank saying funds were taken in error. XXXX could see the funds were taken and never returned. I was told it was a FDES Transaction and ultimately the funds were in limbo. The funds never were sent to my XXXX  XXXX XXXX XXXX Account. On XX/XX/XXXX, I was told the funds were taken out as a " collateral '' for a credit card and was transferred to credit cards. When speaking to the representative they had no idea what I was talking about. I was then told to file a check fraud, when speaking with them. I was informed I had written a check in XXXX of XXXX and XX/XX/XXXX for the same amount. The reason my issue was being denied is because it was filed as a posted twice inquiry. They filled a new claim focusing on the " Posted Item Correction Debit '' on XX/XX/XXXX. Today, XX/XX/XXXX, I received a notices from Bank of America again sayin no adjustment are needed on my account. I have been lied to, played through a phone tree, and ultimately at this point feel someone within Bank of America has committed theft in taking my {$3000.00}. 

My XXXX  XXXX XXXX XXXX, shows the {$3000.00} going into my account on XX/XX/XXXX and being removed from my account on XX/XX/XXXX. After the talk with the Bank of America rep on the XXXX and what I told XXXX XXXX, the funds were returned on XX/XX/XXXX. When the stop payment occurred on XX/XX/XXXX, the funds were removed from my XXXX XXXXXXXX XXXX account on XX/XX/XXXX due to the check canceling.
Consumer complaint received 2023-03-09
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. (NY)

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  has violated my rights. Or list of inquiries 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 2016-08-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.
Consumer complaint received 2019-09-10
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: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX   Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Applied for a new account on XX/XX/18. I received an e-mail stating that the bank would not be able to open the account and was advised to call in. I called and was given an OFAC disclosure and told to wait 2-3 business days so that the bank could review to determine whether it was a false positive. 

I received an e-mail this morning ( XX/XX/18 ) again stating that my request for a new account could not be fulfilled and similarly advised to call in. I called and again was given the OFAC disclosure. When I told the representative that I had previously called and had already waited the 2-3 business days, he confirmed with his floor supervisor that the account couldn't be opened. I requested to speak to a supervisor and did so. I informed the supervisor that I am not on the OFAC list, but was informed that there was nothing that she could do since the application was tagged as a possible OFAC. I asked what the escalation process was and she informed me that there was none since I don't yet have an open account. 

The CFPB may be interested in researching the inability of this firm to escalate complaints and/or issues associated with the account opening process, particularly for denied applicants. 

Application ID : XXXX
Consumer complaint received 2019-09-11
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. (UT)

XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Somebody deposited a check made out to my company name into their account. I use Capital One and the check was deposited to a different Capital One account. I have the copy, front and back of the deposited check, which shows signature and account number of the person account where it was deposited. The bank that the check was made from is XXXX XXXX. They tell me Capital One is responsible for verifying check before depositing. This happened back in XX/XX/2018, I found out XX/XX/2018 and brought it to Capital One 's attention via email with copy/proof of the deposited check by email. I have asked for updates by phone and by email, and have not received so much as a case number or confirmation number to follow up on. I do have all the emails showing I've tried, and their general response, that it has been escalated, but more than 6 months later, is completely unacceptable.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I went to my local dentist at XXXX XXXX XXXX XXXX and needed a procedure done and they offered me a in person payment plan that I would pay monthly and asked for my information, I asked if it would hurt my credit in anyway and they assured me that it would not hurt it in anyway the information was only going to be used for general purposes. As the receptionist entered my information I was informed by my mobile device that my credit was pulled with a hard inquiry and she said that it was not possible and said I should file a dispute to the Credit Bureau which I did on XX/XX/XXXX after receiving a credit card in the mail for XXXX XXXX which I did not approve.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX  ( XXXX ) 4. XXXX XXXX XXXX  ( XXXX ) 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX ( XXXX )
Consumer complaint received 2023-03-09
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. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX BANK XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account XXXX  XXXX  XXXX Late Payment Account XXXX  XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX