davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCEANSIDE MORTGAGE COMPANY (GA)

On XXXX XXXX I challenged OCEANSIDE MORTGAGE COMPANY the validation, and lack of full disclosure, according to 15 usc 1631 ( a ) also 16 cfr 433.2 Preservation of consumers claims and defenses, in ten point bold face print, now their violating my rights again according to 12 cfr part 1016, privacy of Consumer Financial Information ( Regulation P ) by selling contract after questioning OCEANSIDE MORTGAGE COMPANY. Deliberately defrauding me and my family.
Consumer complaint received 2022-08-19
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: BARCLAYS BANK DELAWARE (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND THIS IS RUNING MY LIFE.
Consumer complaint received 2022-09-13
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. (SC)

Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed 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, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Consumer complaint received 2024-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (DE)

Complaint AgainXXXX Zion Debt Holdings for Illegal Debt Collection Practices To Whom It May Concern, I am writing to formally file a complaint against Zion Debt Holdings, located at XXXX XXXX XXXX, XXXX XXXXXXXX, UT XXXX, and XXXX XXXX XXXX XXXX, XXXX, UT XXXX, for engaging in illegal debt collection practices in the state of Delaware. 

I have been contacted by Zion Debt Holdings regarding a debt that they claim I owe. However, I believe this debt is being collected illegally for the following reasons : 1. **Lack of Licensing** : I have reason to believe that Zion Debt Holdings is not properly licensed to collect debts in Delaware. Under Delaware law, all debt collectors must be licensed to operate in the state, and I request that the CFPB investigate their licensing status.

2. **Failure to Validate Debt** : I have requested validation of the debt, including an original contract between myself and Zion Debt Holdings XXXX As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive this validation. Despite my requests, I have not received any documentation proving that I owe this debt or that Zion Debt Holdings has the right to collect it. 

3. **Cease and Desist** : I hereby request that Zion Debt Holdings cease all collection activities until they provide the requested validation. If they continue to pursue this debt without providing proof, I will consider this harassment and a violation of my rights under the FDCPA.

4. **Removal from Credit Report** : Additionally, I request that any accounts related to this alleged debt be removed from my credit report. Since I have not received validation of this debt, it should not be reported as accurate or valid.

5. **Legal Action** : I would like to inform you that if this matter is not resolved promptly, I will take legal action against Zion Debt Holdings for their unlawful practices, including but not limited to failure to validate the debt and potential violations of state and federal debt collection laws.

I kindly request that the CFPB investigate this matter and take appropriate action against Zion Debt Holdings to ensure compliance with debt collection laws. Please confirm receipt of this complaint and keep me informed of any actions taken.

Thank you for your attention to this serious matter.
Consumer complaint received 2024-09-11
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. (IL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I requested from experian to remove address XX/XX/2022. Experian refuse to remove address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl.XXXX  This address does not belong to me
Consumer complaint received 2022-06-07
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. (NJ)

Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my XXXX XXXX XXXX article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions AND I did not give anyone written instructions.
Consumer complaint received 2022-08-19
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. (NV)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that I need to REMOVED. 
XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2022-06-07
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. (VA)

A credit card account was opened without my permission in 2016 with XXXX  XXXX XXXX. I sent XXXX XXXX XXXX a letter a week after it was opened telling them it wasn't authorized. They did an investigation and sent me two letters confirming the account was unauthorized and that they would send out notices to the major credit reporting agencies. 

When the account did not come off of my credit reports I contacted all three bureaus and sent them the letters from XXXX. XXXX and XXXX both removed the account from my report however, Experian has refused to correct this inaccuracy on my report after filing two disputes with supporting paperwork from XXXX  XXXX XXXX confirming I did not open the account. 

I'm not sure what more I need to dispute this account or why disputes even exist if they don't actually remove factually incorrect information. 

Experian is completely wrong here and there needs to be some type of oversight.
Consumer complaint received 2022-08-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the HJR192. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, XXXX filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with XXXX Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX XXXX my identity. This account is still showing active on my Experian credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2022-06-07
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. (IL)

XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.
Consumer complaint received 2022-08-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the XXXX. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX, a {$4400.00} check was sent to pay my Carnival Mastercard account ending in XXXX Issued by XXXX XXXX. The check was cashed by them on XX/XX/XXXX, However, the payment was never applied to my account. As of today XX/XX/XXXX, the payment has still not posted. I have made several calls to them to no avail -hey kept telling me it would take 7-10 days for the payment to post-each time I would wait the 7-10 days but still no posting. A copy of the cashed check was sent to them on XX/XX/XXXX. I also wrote to the office of the president of XXXX XXXX. I received a call from them today saying it would take ANOTHER 30 days for the issue to be resolved. This is totally unacceptable. They have {$4400.00} of my money with no credit on my account to show for it They have a copy of the cashed check-they should be able to track it down. I am out {$4400.00}, and they do not seem to care at all. Meanwhile my account keeps accruing finance charges on the remaining balance. I have been making the minimum payments ever since just to keep them from ruining my credit
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (FL)

I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. 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. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Consumer complaint received 2022-06-07
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. (FL)

I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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. (FL)

I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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: ALLY FINANCIAL INC. (FL)

Ally Finacial - XX/XX/XXXX Ally Financial - XX/XX/XXXX 2 hard inquiries as a result of fraudulent attempts to open a car loan using my own personal information. I have sent 3 certified letters to Ally and reached out to the creditor to remove these 2 hard inquiries from my report. Final letter sent on XX/XX/XXXX. I have received no response. Please remove these 2 inquiries from my credit report. These hard inquiries are fraudulent and have been done without my consent.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

A fraudulent credit card was opened using my information at Bank of America. I received a notification the day after it was opened via a credit monitoring service. 

I called them that day and told them the card was opened fraudulently. They stated they would close the account immediately. I later received a statement that there was a balancing owing, about the same as the credit limit on the card. 

I contacted Bank of America again and they said the account was closed. I asked them about the amount owing and they said it takes some time to clear up. Now two months later I have a negative mark on my credit report. I called them again and they began demanding I pay the balance! I said it was fraud and they said " we've closed the account. '' and were unwilling to readily resolve the issue putting me into transfer XXXX back and forth between departments, none of which wanted to solve it and instead transfer me back to the department that sent me to them. 

At this point I will be working with CFPB and my state 's Attorney General to resolve what amounts to negligence on the part of Bank of America.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting Act, Dept of Education/ XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions