davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXXwas intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-12-27
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. (AZ)

Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the XXXX of XXXX and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.
Consumer complaint received 2019-08-22
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: EQUIFAX, INC. (TN)

Please note that the following companies ran unauthorized credit inquiry on me.. They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, TNXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX  keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST ()

sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address. 

( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit. 

( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ). 

( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check. 

( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate. 

XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX  " XXXX  '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Machol & Johannes, LLC (CO)

Machol and Johannes has put a lien on my home for a case I was never notified for they've garnished my wives wages from 2 separate accounts for 1 year straight theyve tried to garnish my veterans affairs XXXX twice they call and harass theyve sent people to my door to threaten me to the point the cops were called theyve abused and harrassed myself and my family for 3 years now
Consumer complaint received 2022-05-03
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$9300.00}
Consumer complaint received 2018-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open onXX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX  of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
Consumer complaint received 2022-08-11
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. (CT)

In accordance with the Fair Credit Reporting 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: eMoneyUSA Holdings, LLC (TX)

I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

They did not obey The Servicemembers Civil Relief Act after i sent them my official XXXX XXXX order and information. i have all the email saved and we were charged tremendous amount of interest. Shame on you Citizens Bank.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have never done business with United Revenue Corporation. I do not have a signed contract with United Revenue Corporation. I am not liable for this debt from XXXX XXXX XXXX. This is my second attempt asking for proper debt validation that meets FRCA requirements. On XX/XX/2018 I contacted United Revenue Corporation asking for a proper debt validation. United Revenue Corporation failed to complete this request. An alleged e-bill does not meet FRCA requirements for validation. If United Revenue Corporation can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. United Revenue Corporation does not have permission to contact me by e-mail, phone, nor US mail. All communication is to be kept within the cfpb portal.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

Chase offers Price Protection coverage. Upon submitting claims, the processor 's claims staff look for invented reasons to deny claims and use shifting reasons for denial such as : the words " Add to cart '' being cut off ; a copy of physical catalog which shows the available sizes and color inadequately showing which size was " selected, '' something impossible with a physical catalog ; the computer taskbar time not being legible despite the submission also showing XXXX 's stated time, date, and location when searching " time '' ( the claims staff state that only taskbar time is accepted despite that not being in the program terms and a system clock being easily edited compared to XXXX 's clock ). 

It appears that the processor exploits its discretion to invent reasons to request additional information from consumers. It knows that most consumers won't follow-up or can't capture the missing information because the competitive sale offering has already ended. Then after 60 days the claim can be denied for lack of the consumer following up timely to hide the nonsense reasons that led to the claim denial in the first instance. Effectively, this is a consumer fraud because the processor could detail all the information it requires in advance but instead relies on after-the-fact discretion. Further, the processor knows that there are finite pixels on a computer screen and there is only so much information a consumer can capture on a screenshot when webpages are designed for scrolling and information is not clearly requested in advance. Similarly, print catalogs only contain so much information. Ultimately, Chase offers a " benefit '' it knows it will not have to pay on. Chase intentionally uses a claims processor instead of an insurer so that the entity is not licensed by and accountable to any state insurance regulator. The insurance underwriter isnt processing the claims. CFPB is the only avenue for  consumers to get help. 

I spoke with customer service ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX ). The claims review staff argued many of these points with the manager who himself didnt seem to agree, but is obliged to yield to the XXXXlaims Examiner Management Team. 

I claimed claim numbers : XXXX ( {$7.00} - approved ), XXXX ( {$22.00}, increased to {$38.00} ), XXXX ( {$17.00} ), XXXX ( {$4.00}, increased to {$19.00} ), XXXX ( {$20.00} ), XXXX ( {$42.00} ). I will submit additional claims information if necessary. In total, accounting for increased claims, I claimed {$140.00} of which {$7.00} was approved. I request Chase be made to pay me the {$130.00} on these valid, unpaid claims. 

CFPB should investigate this program as it seems Im not the only consumer who has experienced nonsense reasons for denials and CFBP complaints have been filed by other Chase customers.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have a best buy credit card, citibank, since XX/XX/XXXX. I recently noticed that the balance of my credit card was not reflecting the different payments i was making. I made my investigation and realized that i was been charged a debt collection fee, that I didn't sign up for and that i wasn't aware of. I was more likely enrolled without my knowledge. I called the credit card customer service on XX/XX/XXXX, and asked for the service to be canceled, and i requested a refund at the same time, because i was enrolled in without my knowledge. I receive a pdf document on XX/XX/XXXX, notifying me of the successful cancellation, and i second document on XX/XX/XXXX, informing me that my request for a refund was denied. 
All i need is to get a full refund of my money, because i was not told about the enrolment, and neither did i give my approval to have it on my credit card.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (IL)

I have sent several certified letters disputing unauthorized inquiries on my report for several months. the claimed they have not received my letters with documents they requested but i had sent it certified along with a signature card that means someone from there business signed for it. the refused to delete the inquires.
Consumer complaint received 2022-05-03
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-24
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: Bread Financial Holdings, Inc. (FL)

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Comenity Bank/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-03
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX CO ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-12-13
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. (PA)

I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.