davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE BANK USA XXXX XXXX XXXX, XX/XX/2021, XXXX. XXXXXXXX XXXX, and I have no recollection of doing any business with CAPITAL ONE BANK USA. I contacted CAPITAL ONE BANK USA, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2022-01-02
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: Experian Information Solutions Inc. (PA)

I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge
Consumer complaint received 2022-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (IL)

Original mortgage payment was {$590.00} and since 2016 when I first refinance the payments have steadily increased to present payment of $ XXXXHave attempted to get explanation on my insurance coverage and what Im paying in premium.Banco popular have a sister insurance company and tried to obtain coverage with them.I have not been successful, my current provider Segurosmultiples are totally incompetent and believe are equally dishonest.In the aftermath of Hurricane Maria it took forever to receive the $ XXXXindemnification.that amount didnt cover cleanup .Had to apply for a XXXX disaster loan to cover rebuilding XXXX
Consumer complaint received 2022-01-02
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: Santander Consumer USA Holdings Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by XXXX XXXX on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; XXXX they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXX XXXXXXXX and XXXX. Based on my research, I believe only XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX  should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (MO)

Reference : XXXX ( XXXX Complaint regarding HIPPA/PHI ) XXXX filed a complaint w/CFPB regarding a clear violation of my PHI/HIPPA rights violated by XXXX XXXX XXXX along with CCM. CCM 's response was that 'they have a right to know b/c they do business with XXXX. ' Whether they do business with XXXX or XXXX 's office ; it is AGAINST the law for ANY of my XXXX to be disclosed to a COLLECTION COMPANY! 

CFPB FAILED to enforce this LAW and closed the complaint AFTER the collection company sent a response FAILING to address the core of my complaint. 

It seems that CFPB fails to do anything constructive aside from shuffling paper! 


CFPB : Our core functions The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, its our primary focus. 

Our work includes : Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law Enforcing laws that outlaw discrimination in consumer finance Taking consumer complaints Enhancing financial education Researching the consumer experience of using financial products Monitoring financial markets for new risks to consumers
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (AL)

XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.
Consumer complaint received 2022-08-21
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 XXXX Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX IN CO ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2015-12-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (TX)

I went to an ATM in royse city, tx on XXXX/XXXX/15. I attempted to pull out {$100.00} from my XXXX card from American Express. a transaction record then printed showing that {$0.00} was dispensed. I called BlueBird because although {$0.00} was dispensed, they removed it from my account. They told me that I would need to dispute this. I sent them all the documents they asked for and they told me it would be 10 days. Today ( XXXX/XXXX/15 ) I received email that the dispute was denied. I called the Atm merchant and they explained to me that the dispute was received but they sent nothing back because the were ale to see that no money was dispensed. I then called blue bird back and they told me that they did receive legan documents showing that the money WAS dispensed. I am now going back and for with the ATM and Bluebird, someone is lying to me and I 'm pretty sure its blue bird.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me.

Thank you for your time and assistance in this matter.
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (PA)

Well i workeon the road as a XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for many years and my X girlfriend XXXX XXXX was playing with Police Officers behind my back for years and apparently taking credit and getting loans in my name using my information stooe my email etc... When i started finding out the officers XXXX me into XXXX XXXX like 4 times then had XXXX XXXX my X of 17years lived and had kids together start fights and then call when they were on duty she would say that i hit her and then they would lock me up and then live in my house while on duty and im in jail and stole money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did this and now that im rebuilding my life and finally a free man i see all this negative XXXX  on my credit report and im hatd working and responsible. Please help me fix my Credit History and get me in good standing. Please im XXXX XXXX XXXX XXXX. XXXX  XXXX.
Consumer complaint received 2023-01-19
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: FIRST ADVANTAGE CORPORATION (GA)

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me. 

Thank you for your time and assistance in this matter.
Consumer complaint received 2022-01-02
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. (MI)

I've been battling with this company for months sending letters after letters certified mail consuming my time and energy. My stress level is through the roof I've been sick to my stomach because they have been putting me though. My lively hood is my credit and that have been running over me fraudulently with no regards on how I'm effect getting though daily life. 

Dates Of letter XXXX ( three letters ), XXXX, ( four letters ) XXXX A total of 10 attempts to rectify the issues And it all boils down too My consumer rights being violated numerous of times and my letters have been disregard with no explanation or proof of being validated Violation of my consumer rights to privacy 15 USC 1681 ( a ) ( 4 ) accusing me of having debt 15 USC 1692B ( 2 ) acquisition of location saying I owe a debt without proof documenting transactions of my credit card ( ssn 15 US Code 15 1681a ( 2 ) ( b ) Adverse actions 15 US Code a ( k ) ( iii ) and most of all this have been happening without my written consent 15 US code 1681b ( a ) ( 2 ) Until I discovered who I was a natural person.

and 120 days later I'm ready to take charge I'm tired of being harassed and accused of these reports and nothing should be reported without my written consent nor being properly validated
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NV)

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by I C SYSTEM from XXXX XXXX in the amount of {$1200.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021, I submitted a written request to Experian, XXXX, and XXXX asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that Exeprian, XXXX, and XXXX must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, Experian, XXXX, and XXXX is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX  of MD Please list my address as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please list my job as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached all letter that were sent to Experian and also follow up letters that were sent to them as well with certified receipts. Please
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (SC)

I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.
Consumer complaint received 2022-01-02
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. (PA)

I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge
Consumer complaint received 2022-01-02
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: Maximus Federal Services, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.