davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-02-03
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. (CA)

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (GA)

Professional Account Management responded to my previous dispute regarding toll violations with their client XXXX who is responsible for managing the XXXX XXXX XXXX Accounts. After reviewing my XXXX  XXXX XXXX account and speaking with a representative who took the time to review my account at this time no toll violations are associated with my account. Furthermore, the reported toll violations for insufficient funds when the toll charges were accessed were covered by the automated funds replenishment on my account. When the notice was first received, a dispute was submitted to the XXXX XXXXXXXX XXXX XXXX, but they never responded to address my concerns. It was also observed during the investigation that these fees were assessed on my vehicle which had an active XXXX XXXX account that was affixed to my windshield. During the reported toll violation, my peach pass was charged but do to my new car tag not being correctly updated in the XXXX XXXX XXXX I have assessed a toll violation. The dispute I submitted corrected the issue which they should have reversed the toll violations. I have attached a screenshot of my account which clearly lists no toll violations. Please cease all collection activities and have the " original owner of the debt '' send me validation of the original debt so that it can be forwarded to the XXXX  XXXX XXXX account management for correction. Once received and if the debt is validated by the " original owner '' of the debt arrangement will be made with them to satisfy any outstanding balances.
Consumer complaint received 2023-01-03
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Consumer complaint received 2020-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (GA)

I have paid for the Account Assure protection program on my Lane Bryant retail card issued by Comenity Bank since XX/XX/XXXX. 

XX/XX/XXXX I was informed I was being involuntarily terminates from my job. My official date of separation was XX/XX/XXXX. 

I asked for information to file a claim for unemployment to help cover what I owed on my Lane Bryant card. I was told I had to wait 30 days of being unemployed to file a claim. On XX/XX/XXXX I filed the claim for unemployment. 

I was then asked to submit a form signed by my employer verifying I was involuntarily terminated, which I did on XX/XX/XXXX. 

Next I was asked to submit either verification that I am receiving Georgia unemployment benefits or if denied unemployment, verification that I registered for an approved job board. Nowhere available is this list of what an approved job board is. I submitted proof that I signed up for XXXX Georgia ( as required by Georgia DOL for unemployment ) on XX/XX/XXXX. 

For several weeks, XXXX  XXXX told me by phone and mail that it wasnt sufficient to complete my claim, but they wouldnt tell me what was needed to fulfill their requirements. 

Finally on XX/XX/XXXX, I submitted a letter with my documents stating I would report them to CFPB and the XXXX  if someone didnt contact me to resolve this. They said on XX/XX/XXXX they were reviewing my claim and it would take 7 business days. It is now XX/XX/XXXX, nine business days later, and they have not resolved my claim. In the meantime, I am unemployed, accruing interest and struggling to pay the minimum on my account balance. 

What is the point of my having paid for this account protection if I can not use it when I desperately need it?
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Somebody withdrew 10 times {$1000.00} total XXXX at the same day from my business checking account at Chase bank without my authorization. Chase bank did not inform me about these suspicious activities. I found out about this fraud. Chase bank did not do thoroughly investigation and rejected my claim.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( XXXX, Equifax, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX  verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX XXXX in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, XXXX, Equifax verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, XXXX  and Equifax is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX I submitted to the CFPB a complaint # XXXX because TransUnion LLC was reporting my XXXX account as thirty days ( 30 ) late when I never had a late payment. I submitted all the documents to TransUnion and the CFPB showing that my XXXX account was never late. TransUnion removed the XXXX XXXX XXXX thirty day late payment that was reporting on the XXXX account on XX/XX/XXXX. 
When I received a copy of my TransUnion report on XX/XX/XXXX I realized that the XXXX account was again reporting the XX/XX/XXXX XXXX thirty day late payment that was previously removed.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.
Consumer complaint received 2020-08-19
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)

Good morning CFPB, I have attached a report, that can be open, to dispute items that are appearing on my credit report with Experian that are either not mine or are inaccurate. 
Experian is claiming they can not open the attached file and is instead sending me a mailed report so start a new complaint with that report. 
There is no need to do that because I have the most recent report, I have already specified which items I am disputing, and the complaint has already been assembly. 
Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a reason such as the one given to me on my closed CFPB complaints numbers XXXX and XXXX submitted on XX/XX/2020. 
Experian is not be properly being regulated to ensure consumer protection, since that have such a brazen response on consumer complaints. 
Please help. 
XXXX XXXX
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (CT)

{$13000.00} was illegally wired out of my account of XX/XX/2021. Regions Bank did not assist me in trying to recover the money and did not reach out to me, even though they were made aware it was fraudulent in XXXX. 

I did not learn that my money was sent to Regions Bank until XX/XX/2021, when my local police department called me to inform me. I now have the police report that indicates the money was wired to someone named XXXX XXXX in Michigan, but that the money ended up at a Regions Bank in Alabama. Regions Bank will not tell me where the money went after it was sent to Alabama and the police have been unable to find evidence that anyone named XXXX XXXX exists in Michigan, even after visiting the home of the address in XXXX XXXX, Michigan. I would like to know where the money was wired after it was in Alabama or who took the money out of the bank. And whether or not that money was taken out through wire, in person, or through an ATM. Since police are unaware of an XXXX XXXX and the money was sent to someone in Michigan from Connecticut to a bank in Alabama, why didn't Regions Bank reach out to confirm this was legit?
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Timeline of Events : XX/XX/XXXX : The account was opened by myself and securitized for value by Wells Fargo & Company ; the securitization was done without my knowledge or consent. 
I was not properly compensated for the securitization of the account, this constitutes a breach of fiduciary duties and contractual obligations. 

XX/XX/XXXX : I issued the initial notarized presentment to Wells Fargo, requesting : Processing of an International Bill of Exchange ( IXXXX XXXX XXXXXXXX ) to settle the alleged outstanding balance. 
A GAAP-compliant accounting detailing the accounts securitization, valuation, and associated tax liabilities. 
Return of funds from prior payments and misclassified bond payments. 
None of my request were honored, and no intelligent response was made by the company in correspondence to my notarized presentment. 

XX/XX/XXXX : I issued a second notarized presentment ( Opportunity to Cure ), reiterating previous demands and giving Wells Fargo an additional 14 days to respond, along with an additional XXXX to offset the account. 
I filed IRS Forms 56 ( Notice concerning fiduciary relationship ) and XXXX ( Power of Attorney ) to formally revoke Wells Fargos authority over the account and oversee tax matters related to the account. 

XXXX XXXX, XXXX : Wells Fargo failed to provide any intelligent response to the claims or requested GAAP-compliant accounting. 
A forensic audit revealed significant violations, including : Failure to disclose profits from the securitization and trading of the account on primary and secondary markets. 
Inadequate reporting of taxes related to the Original Issue Discount ( OID ).
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Conn's, Inc. (TX)

Regarding : CONN 'S APPLIANCES INC XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX CONN 'S APPLIANCES INC ( Conn 's ) checked my credit via XXXX, and neither Conn 's nor XXXX  contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account.

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that Conn 's extended credit.

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the FACT Act ).
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX  XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  XXXX {$3400.00}