davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$31000.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I disputed a {$1700.00} charge for a damaged dress with a hole in it sold to me by XXXX XXXX. I received an email after 2 weeks from Capital One stating that they hadnt received the documents to investigate the charge and would be charging it back. I explained that it was taking me a while to label the exhibits and would be sending over the proof of the damaged dress as well as the appraisals of the dress that were for {$800.00} and {$900.00} respectively. I sent in the documents about 4 days later and Capital One informed me that theyd received the documents and were investigating. That was XX/XX/2021. 
Fast forward to yesterday when I received a direct deposit for about {$3500.00}. I paid 3 credit card bills and instead of my 3 credit card bills being paid, Capital One paid 2 of them and reversed the {$1700.00} credit given for the XXXX XXXX purchase with no good reason. Capital One was clearly waiting on the opportune time to reverse the credit instead of genuinely investigating the purchase by the merchant, XXXX XXXX. Now my credit card payment is going to bounce back.
Consumer complaint received 2023-03-10
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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. (TX)

XXXX XXXX continues to report to XX/XX/XXXX Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-06-22
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. (VA)

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

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-24
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. (TX)

XXXX XXXX continues to report to Equifax ;XX/XX/XXXX and XX/XX/XXXXthat I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-25
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. (MN)

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the fair credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1.Defamation 2.Negligent Enablement of identity Fraud 3. Violation of the Fair Credit Reporting Act Sincerely,
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The credit bureaus stated my account was properly investigated but how is that possible if a collection account is not supposed to have a payment history inaccurate, or a past due amount inaccurate, also it show that the collection accounts are open inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 thirty days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (OH)

On XX/XX/XXXX I applied online to open a savings account with XXXX Bank. I entered the requested information in the first step of the application process and was denied and unable to advance to the second step of the application. I immediately contacted the company and spoke to a customer service agent to inquire about my denial. The agent said that based on the information I submitted in the application they were unable to open an account for me, and there was no additional information they could provide me as to why. I asked to speak to a manager, to which the agent responded there was no one available for me to speak to at that time, as managers were out of town training. After contacting XXXX and receiving a report that displayed no negative or derogatory information in my file, I called XXXX XXXX again on XX/XX/XXXX and requested to know what consumer reporting agency was used to make their decision. After saying that by law, I had a right to know, the agent said XXXX was the company they used. I've yet to receive a verbal or written reason as to what information in my application caused the denial.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (CA)

This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX US DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOEXXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!
Consumer complaint received 2021-07-26
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. (GA)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's XXXX XXXX to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Consumer complaint received 2019-03-26
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: SYNCHRONY FINANCIAL (FL)

Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.
Consumer complaint received 2023-03-10
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-22
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I awoke to an email from my bank ( Wells Fargo ), that welcomed me for my two new accounts. When my branch opened I was the first person there and showed my banker the issue. She looked into it and spoke to the " back office '' and told me the process was to close the accounts, CLOSE my account and open a new account for me. They also suggested I contact the credit bureaus and let them know. I received a new account, new checks and a new debit card. I also had to change at least eight direct debits ( provide creditors a new acct number ). NEVER did they help with that process, offer credit counseling/monitoring or any assistance. I asked for a full report on how it happened ( IP address, etc. ). A week later I was informed they did not have that, although a District XXXX told me over a month later they were able to trace it to an IP address close to me. Then approximately six weeks later on XX/XX/XXXX THE SAME THING happened again. Two accounts opened online in my profile. This time they asked if anyone had my log in credentials ( NO ) or if I had been hacked ( no evidence anywhere in my credit profile ). This time another banker at the same branch, who seemed like she was on the job for about a day, relayed to me that the back office did NOT suggest I close any of the accounts, including the fraudulent ones. They suggested I just put a hold on the fraudulent accounts, so they could investigate and I could use my regular account as usual. I had a substantial wire transfer due the next day and I didn't feel safe with their security procedures, so I told them to hold my account and I stopped the wire. Delaying my payment by two weeks. I went without an account to do any banking for five days. During those days they told me they wanted to close my account and open a new one, and then they said they would close the fraudulent accounts and leave mine open. In short they had NO IDEA what to do. Meanwhile I went thru the same process with creditors and credit bureaus, which now resulted in a one year fraud alert and freeze. I also filed a police report with all my documentation. Today, the XXXX XXXX XXXX XXXX, who I was told would investigate and provide a viable solution and possibly compensation, sent me a letter basically just rehashing what I just explained with no resolution. Luckily, I did not lose any money, but the inconvenience should be compensated and Wells fargo should provide a minimum one year credit monitoring and an APOLOGY. Please help
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 has violated my rights.

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

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 2022-05-03
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: ALLY FINANCIAL INC. (IN)

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, XXXX XXXX XXXX ALLY FINANCIAL, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (AZ)

asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Today, XX/XX/2023, my account was closed with no notification and alert. I have all my money in my saving account, and I am an XXXX XXXX with no any pay off. How can I survive in this urban city, with XXXX  money in my account. And I still need to pay my rent, my credit card debt. I have been used XXXX  XXXX XXXX for my whole XXXX XXXX XXXX XXXX XXXX, which is about 9 years. And I kept perfect credit, and never been have had this happened. It is unfair for consumer to face this situation with no prediction. You can suspect my account, but you should have checked, at least verify with me about the truth of your suspicion. 
I have to mention that I received NO emails, notifications, alerts about " fraud report ''. I am even open to background check about my statement, that is why I am writing this complaint. Because I can prove all my transaction and they are transparent and clean. They can not take all my money, add on to that, money for survival as an XXXX XXXX, just because they want to lock my account. Also, when I log in to online banking, they even did not show up any words about my account is closed or locked. 
Even I called the associate, they did not provide any reasons, and said, " rely to the policy, they can close my account with no reason in anytime. ". I would say it works for someone really needs to be checked, but for me, a XXXX XXXX XXXX, and I did not graduated yet from my XXXX XXXX, why would they even suspect my account and close it with no reason. I called for an hour to make this thing process, and being transferred back and force. 
I really hope you can take this seriously.
Consumer complaint received 2022-07-28
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. (NC)

Experian, XXXX, and XXXX  I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also XXXX XXXX XXXX XXXX XXXXXXXX account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXXXXXX XXXX XXXX XXXX does not own this collection, but still showing that they do. 
XXXX XXXX I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020