davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Due to the recent data security breach I noticed XXXX fraudulent accounts on my credit report with XXXX, XXXX XXXX XXXX. After further investigation its looks as though XXXX USC 1681 was violated.

ational Public Data, which aggregates data to provide background checks, has confirmed it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. 

The XXXX XXXX, XXXX, company posted on its website a notice this week that " there appears to a have been a data security incident that may have involved some of your personal information. The incident is believed to have involved a third-party bad actor that was trying to hack into data in late XX/XX/XXXX, with potential leaks of certain data in XX/XX/XXXX and summer XXXX. '' News about the breach first came from a class action lawsuit filed in XXXX XXXX XXXX in XXXX XXXX, XXXX, and first reported on by XXXX XXXX. Stolen from XXXX XXXX XXXX ( XXXX  ) were XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades, according to law firm XXXX XXXX XXXX XXXX XXXX, which filed the suit.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-07-18
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. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; Medical XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-09-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2022-07-18
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)

I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXX
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Over the weekend on saturday XX/XX/XXXX my card was swiped as a debit card transaction in XXXX for the amount of {$92.00}. I know the money was in there because before I went my husband asked how much was in the account and at the time I specifically remember there was {$140.00}. After XXXX I always check to see if it had come out of the bank and it did. On Sunday XX/XX/XXXX the card was used 4more times at the gas station for {$13.00}, XXXX for {$8.00} and XXXX   XXXX for {$15.00} and {$3.00} at the gas station again. By 6 Sunday night there was still a few dollars in there, not much but some. We had an accidental charge from XXXX happen Sunday night for {$74.00}. Which we immediately contacted XXXX and theyre refunding the money but like everything else it takes time. First thing Monday morning a recurring payment that we forgot about came out which was XXXX XXXX. When I checked my bank account THREE of the charges from Sunday had overdraft fees on them of {$35.00} but the XXXX XXXX and the XXXX purchases which were legitamitly overdrawn did not. When I looked into it someone reimbursed me for {$8.00} on the 3 overdraft fees. I have fees on things that were not overdrafted and no fees on the things that I am more then happy to pay fees on. I was told that once the money from XXXX went back in the account the fees associated with it would fall off. But there are no fees for that. I am more then happy to pay the fees for the things that were actually overdrafted but something needs to be changed. When I called about it they told me that not all charges post on the day they were made. Which is fine EXCEPT the three that have fees on them were debit purchases and even if they dont officially post that day it still comes out of the available balance. I would not have made those purchases if I didnt have the money in there. Someone I know who knows the banking system has informed me that these are in violation of regulation XXXX, and that Wells Fargo is taking part in unfair and deceptive acts when it comes to these fees. We have been with this bank for 10+ years and I cant believe they wont work with me to fix the problem.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IN)

I began my refinance process in late XX/XX/2021. The actual process doesnt count until XX/XX/XXXX when I was cleared to proceed with the process and my rate was locked in. Ive responded to every email and submitted every deliverable in 48 hours or less. I had no real issues or delinquency of note. Today, XX/XX/2021 after 5 months of waiting I was scheduled to close. I had spoken with the Rep. and had emails confining the date and time. No one showed or called. They said that the date given was just an estimate. Ive been waiting and counting for this money and I dont know when Ill get it. Ive complained to Wells Fargo several times via email and telephone. Ive had my complaint escalated but no real resolution. They said it is because of the many people who are purchasing homes right now I dont think so. Im frustrated and Im angry. Ive been given the runaround by WF for too long. 120 days to complete a refinance. The process should only take 45 - 60 days. Im still waiting to close.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; 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.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.
Consumer complaint received 2022-06-15
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: AMERICAN EXPRESS COMPANY (GA)

American Express lied to me in this booking. I booked this package under the impression that I would receive Platinum Card perks at the XXXX XXXX in XXXX XXXX. I was completely humiliated and embarrassed when I arrived to the XXXX XXXX to first be told that I didn't book this reservation via AMEX but XXXX to second be told that they didn't ' have any AMEX card on file and that they didn't see any AMEX Platinum Card benefits associated with my reservation. I was completely dumbfounded by this error. AMEX completely embarrassed me and caused me to book a reservation unnecessarily with the benefits prominently advertised with the Platinum for staying at hotels under the Hotel Collection. After back and forth, and little option of staying somewhere else, I had to succumb and stay at the XXXX with no perks. 

AMEX robbed me of a decent stay and an enjoyable experience. I felt as though I lost $ XXXX in savings by staying at the XXXX  with no perks when I could have stayed at a XXXX  Property under my Elite Status. As a result, I want AMEX to make me whole by this glitch and false advertisement. I called about this matter and after being run in circles with AMEX customer service, I was finally told a wild response that the perk was not eligible for bundle deals. HOWEVER, this caveat is not prominently disclosed anywhere on the website, on the payment page or XXXX XXXX XXXX  associated with purchasing the package. Nowhere is this prominently displayed as much as the Perks associated with the Platinum Card for staying in the Fine Resorts or Hotel Collection. 

It is egregious that I waited and anticipated this trip after planning and waiting XXXX months for this chaos and embarrassment to ensure. What's worse is the lack of access to AMEX customer service and a customer service agent with the wherewithal to assist me after being passed around from agent to agent for XXXX minutes while being stranded in another city. This is unprofessional and ridiculous. Most importantly, this is false advertisement and as a result I have been financially harmed by your misrepresentation and false advertisement of the facts, per FTC and UDAAP regulation. 

In short, make me whole from this fiasco!!!!!
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to get some things off my credit report with XXXX, Equifax and XXXX  that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.
Consumer complaint received 2022-09-17
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy?

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

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XXXX, Portfolio Recovery Associates filed a lawsuit against me over an account that was fraudulently opened online, one of many accounts. It was my very first time ever receiving a lawsuit from anyone. I did not know, or understand my rights under the FCRA. To be fair, this is a first time I dealing with an extensive identity fraud where I am struggling to restore my identity. As a victim of domestic violence, which began with Identity fraud, i learned over time the correct protocol with my situation. I filed police reports, FTC, and IC3 reports/ complaints as well as gave copies to the 3Bs as well as all Creditors/ Agencies showing that I am a victim of Identity Fraud. For the most part, some respectfully removed the accounts but others responded with they disagree since after their investigation, their reports are accurate. I then asked for copies of original contracts where it showed, I signed and dated. One responded with they decline to provide me what I asked, Portfolio Rec Associates, on the other hand sent me several letters this week, 3 of which they are closing and removing accounts. But the account, filed lawsuit in XXXX, in the letter was statements wrong information for example it says The account was active since XXXX. I know for a fact that is not true and I can prove it. None of which was the original contract, but the final page was the judgement in their favor. That was the concluding evidence for them to have it remain on my credit report, and approved by both XXXX as well as XXXX. I investigated further and found out that those statements are completely bogus. It is not an official statement, in fact, the return address does not in no way link to the bank. It links to random pdf files of other statements, then from those it links to a completely website where it shows where the money is really going. 

I am beyond exhausted with this whole process. I am victim of identity fraud and XXXX  XXXX survivor, XXXX  for the second time because of my credit. Companies like Portfolio Recovery Associates pray on the most vulnerable as if its an easy target. Theres no telling how many other they have done this too. Moreover, only time will show who is honest and who was deceiving.
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (WI)

I opened a loan with Payoff loans. I paid the loan bi-monthly. Payoff misapplied loans and caused the account to look as if payment was 30-59 days late. This caused my credit score to drop 89 points. I contacted XXXX and they corrected the problem. I paid the balance in full in XXXX 2021.The account is closed.

The problem is Payoff is reporting incorrectly AFTER this was reported incorrectly in XXXX and corrected by XXXX Last week, Payoff reported this account that has been closed since XXXX past due AGAIN with XXXX I had to file another dispute with XXXX  for the same issue. This is impacting my credit score and preventing me from securing credit elsewhere. How many times do I have to watch my score boomerang
Consumer complaint received 2022-09-17
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: LEXISNEXIS (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the bankruptcy which do not belong to me or were opened without my permission.

US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) LexisNexis shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX and # XXXX 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 state consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-18
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. (OH)

61 hard inquiries on my equifax credit report I have disputed with equifax and with companies who inquired neither are taking matter seriously I dispute these inquiries using there online method and it processes the dispute and closes the dispute all in same day. They arent even investigating the dispute