davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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 — Was not notified of investigation status or results
Company: VW Credit, Inc (GA)

To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on these accounts is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of these accounts and yet you have done nothing. Let me remind you that you are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need these accounts updated immediately. 
USAA SVG BK XXXX Balance {$0.00}
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (AR)

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on these accounts is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of these accounts and yet you have done nothing. Let me remind you that you are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need these accounts updated immediately. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$4900.00}
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NJ)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : XXXX  XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-07
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: LTD Financial Services, L.P. (KS)

So Ive contacted both of these fraudulent companies regarding fraudulent accounts opened in my name, under my information, on my credit reports, and as such took it upon myself to give them the chance to rectify the situation. First only the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was showing on my credit reports, to which I contacted them via the XXXX  for them to remove because I never opened it myself. After doing so, a few weeks later, some collection account, representing this company name LTD Acquisitions LLC added their trade line to my credit reports as well. And stated that it was opened 7 months ago, but they JUST now put it on my credit? Doesnt make sense. Either way, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to me detailing, that the account was opened in XXXX  and that they found no signs of fraud..And that if I still claim to not have opened it I can send them a copy of my SSN card, my drivers license, and proof of address in XXXX of 2019 ( because that when the fraudulent card account was opened. I will not be sending them my SSN and license.if Im reporting fraud with you all, why in the world would I send copies of that information to you all? It serves no purpose. But I will provide proof of employment AND residency to them in the form of my pay stub to which I was WORKING AND LIVING IN XXXX XXXX XXXX  TO BE EXACT. in the month the account was supposedly openedthat is proof enough I didnt open it, I wasnt even living in XXXX  during the time frame. I had never heard of this company or the collection company they assigned this account to, but either way I am not liable nor financially responsible for said account, So BOTH TRADE LINES ( XXXX XXXX XXXX XXXX and LTD needs to be IMMEDIATELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, XXXX ) or formal litigation will commence, and you and your entities will be sued to the fullest extent of the law allotted. Ive already provided these documents but will do it on here as well. ( Identity Theft Affidavit, Paystub, etc. )
Consumer complaint received 2022-10-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 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 USC 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 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Google Compare Credit Cards Inc. (WA)

About XXXX  of XXXX and the begging of XXXX google has closed my account and will not let me pay my subscriptions I have for that card Ive been using I always have money on that card and suddenly it now says my card is unavailable and that the account was and is closed. It's not and I want the ability back!
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC (AR)

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I request of you. 
CNAC - XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (CA)

" 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 2022-11-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from Experian and the agency reporting these false misleading inaccurate accounts XXXX XXXX XXXX XXXX and XXXX ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to Experian the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from Experian, XXXX or XXXX XXXX XXXXXXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from XXXX was a letter saying they updated my accounts. These creditors are reporting without my consent
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. 

Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. 

To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. 

Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? 

Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. 
Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? 
WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! 
They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally )
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I have contacted Experian numerous times about XXXX listing inaccurate items on my credit report as well as my husband 's... they said they fixed the problem, but XXXX  added them back in ..plus more! I have proof of all the accounts as paid in full- never late- closed. Experian representative on XX/XX/XXXX ( which I had to call 6 times ) assured me the XXXX accounts would be updated as pain in full, never late!
Consumer complaint received 2022-11-17
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 — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (CA)

Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from XXXX and the agency reporting these false misleading inaccurate accounts XXXX XXXX  XXXX XXXX and Santander ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to XXXX the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from XXXX, Santander or XXXX  XXXX XXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from Santander was a letter saying they updated my accounts. These creditors are reporting without my consent
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SILVERGATE CAPITAL CORPORATION (MO)

On XX/XX/22 I did a bank wire transfer on {$19000.00} for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX motor home. The seller was XXXX XXXX from XXXX, CO. The motor home was advertised on XXXX XXXX and XXXX. Her XXXX user ID is XXXX. I purchased the motor home off of XXXX. The money was wired to Silvergate Bank, XXXX  XXXX, CAXXXX XXXX XXXX XXXX XXXXXXXX. Beneficiary name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I contacted XXXX and they had no record of my purchase. The XXXX page I was forwarded to looked exactly like XXXX, with purchase confirmation number and tracking. My {$19000.00} is gone! I am XXXX XXXX XXXX and need help getting my money back! Please help!
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (GA)

Afni is reporting inaccurate and erroneous information to my credit file and its damaging to my personal credit, and financial stability. 
Ive presented written and legally binding and admissible evidence to support that supports and affirms, on my behalf, said facts. Ive sent records, of several correspondence between myself, and the original creditors ( XXXX ). However either Afni refuses to acknowledge that theyve received or reviewed said documents, documentation. The original creditor agrees that the account was reporting in error to an oversight by XXXXI need Afni to follow legal protocol and the LAW in general and DELETE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2022-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (HI)

I filed with one of the Credit Bureau ( XXXX ) of the fraud with a collection on my report dated XX/XX/22. They're saying I owe {$1000.00} to an original creditor by name of XXXX XXXX XXXX. This is fraud and the only recollection of a hospital by this name was in Washington state as a child. The Credit Bureau came back with a " completed investigation of FCRA dispute '' but says it was verified and updated as of XXXX XXXX. The collection account name is XXXX XXXX XXXX. I've worked very hard to keep my credit utilization under 5 % and pay all bills on time. If a debt was owed by me, I would pay it but this is fraud and I have idea where this is coming from.