davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts XXXX account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: FORD MOTOR CREDIT CO. (NC)

On XXXX XX/XX/XXXX I requested on their website a " Request of payment extension '', but the system took it under " Change of Due date '', I followed the instructions for payment extension that next payment needed to be done between 10 days of due date ( XXXX ) I made payment XX/XX/XXXX, but after that on XX/XX/XXXX I started to get " Late fee charges '' {$15.00} each ( XXXX XXXX ), I contacted them got refunded for " system mistake '', and my account still was showing Overdue of 1 month since XXXX, but they refuse to make the change in their system.
Consumer complaint received 2024-08-09
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

This company had contacted my daughter in laws father as well as the assistant human resource director at my place of employment. I called the number they had left and spoke to a XXXX XXXX XXXX. She stated that there was a civil suit filed against me for a credit card that was taken out in XX/XX/XXXX and that had been charged off and closed in XX/XX/XXXX. Although I had never received anything by mail she stated in order to keep it from going to court I would need to settle on a payment of XXXX that would need paid this month and said she would need to credit card information then and there to keep it from going to court. Feeling pressured to keep it out of court and avoid court fees I agreed and gave my information. After thinking more clearly about it I called and asked if they could send me a copy of the civil complaint. I was transferred to a gentleman by the name of XXXX. I asked for his last name and he refused to give it to me saying he was not obligated to do so. He stated that he could not send me the civil complaint and said that because of the questions I was asking that he felt like I was being coached on what to ask He then stated he would revoke our payment arrangement and would no longer accept it and would just see me in court. He became very rude and hostile and hung up. I called back asking for his last name and again questioned why he would not send me information the the charges. He then hung up again. I called my bank and cancelled my card. The company name was the XXXX XXXX. I am questioning the legitimacy of this company and the call.
Consumer complaint received 2024-08-15
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
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. (MD)

My rights have been violated. I have a right to privacy. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit. Responsibilities of furnishers of information to consumer reporting agencies. 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 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
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (IL)

Maintaining a credit file on me with out my written permission I am demanding that you freeze and delete any file that you have on me Failure to do as I state will result in my filing a federal lawsuit against your company
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed all my checking accounts and savings account for no reason. I have over {$15000.00} in my accounts and capital one will not give XXXX XXXX reason or a time frame that my funds will be refunded to me. Every week I call customer service department and I get a different every time I call. Please help.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. 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 In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-02
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. (UT)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Creditor : XXXX Business Type : -Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Type : -Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX. XXXX - XXXX ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX. XXXXXXXX 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 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 ( XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 
This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

he negative remarks and inaccurate information have XXXX affected my credit standing, leading to a significant drop in my XXXX score. This has caused me considerable financial distress and hindered my ability to obtain credit. Please treat this matter with urgency and ensure these inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the inaccurate information have been removed and my credit report has been updated accordingly.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The XXXX student loan accounts I have are being reported twice on my credit report. Because there are duplicate accounts on my credit report my total student loan debt on my credit report is higher than my actual total student loan debt shown in my XXXX portal. And, this lowers my credit score and hurts my debt to income ratio.
Consumer complaint received 2017-09-28
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. (WI)

I am among the unlucky people whose information was released in the Equifax data breach. In obtaining my credit reports, I saw that Equifax listed two wrong previous addresses for me - including one in suburban XXXX that was linked to fraudulent charges on my credit card. 
I filed a complaint about the incorrect addresses. 
Somebody -maybe real Equifax maybe phony - sent me a form asking me essentially to repeat that complaint in writing or online. 
The site I was sent to was : XXXX There apparently is no such site. XXXX dubbed it suspicious. 
So I went to the equifax site and found the connection for filing a complaint. 
The site asked for my COMPLETE social security number - the very one they gave hackers - but said I could hide all but the last 6 digits. Despite my choosing that option, they displayed the whole number. 
I tried to remove it but could n't. 
I filed my challenges as directed - one incorrect address, one clearly fraudulent one. 
Then, the site asked me to send a copy of my Social Security number, drivers license or utility bill. 
This is outrageous demand from a company that has ruined my and many others ' financial lives. 
I tried to cancel everything, but the site snatched it away. 
Equifax is not only a stupid company, it 's a ruthless one. 
Please stop these creeps - who incidentally are still hawking their useless security service at every turn - from further damaging innocent people like me.
Consumer complaint received 2024-08-15
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On or about XX/XX/year>, I noticed several withdrawal transactions from XXXX XXXX  out of my USAA Savings Account No. XXXX. There was a transaction from XXXX XXXX for {$1000.00}, {$80.00}, and {$50.00}, totaling {$1100.00}. I do not have an account with XXXX XXXX, the transactions are fraud, and the {$1100.00}, needs to be returned to my account immediately. I filed a dispute with USAA explaining these transactions are fraudulent, I never authorized any payment from XXXX XXXX, and I requested my money to be returned to my account to no avail. USAA and XXXX XXXX are refusing to credit my account or return the money stolen for {$1100.00}, for the fraudulent transactions. XXXX XXXX XXXX XXXX Department Police Report XXXX. XXXX.
Consumer complaint received 2024-08-15
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. (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. 

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, have violated my rights. 


15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A section 2, 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 reporting containing the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have attempted to dispute inaccurate information that Experian is reporting on my credit report. They have claimed several times that the information was verified and reported as accurate. I reached out to the data furnisher and they have confirmed that they do not report information to credit bureaus. I have also reached out to XXXX that claimed that they did not supply the inaccurate information that can not be verified by Experian. XXXX has removed this information from their system. They purchase this information from a system called XXXX. XXXX has taken accountability and removed these items from my credit report. I have attached all of the supporting documents for proof. I have also attached a copy of my drivers license and social for identity verification purposes.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

XX/XX/XXXX, disputed fradulant charges, 4 total fradulant ATM transactions a total of XXXX called USAA bank and reported fraudlant charges. USAA canceled card and issued a new one to me, arrvied 3 days later on XX/XX/XXXX XXXX new card, XX/XX/XXXX, 4 fraudlant charges on account in a total amount of XXXX called and disputed this a fradulant charges. 

bank dide a provision credited on the money back on both disputes and launched investigation. 

XX/XX/XXXX, i was sent 2 documents stating that both of my fraudlant claims were denined and deemed unfradulant. Usaa then revserved my credits and quoted " information provided during the claims was concluded to be non fradulant. 

i am out XXXX XXXX 

i called and asked to appeal these claims and they have reopened the investgation. 
when i spoke to fruad department, there were no notes on my claims reports entered by the call service reps. 

between XXXX until present date fruadulant activity has happened multiple times throught my memebership with USAA and i have never had an issue. each time they have launched the investigation first and then reimbursed my amounts back to me but in this case, they offered the credit first before in investigation ( which in my mind is was accepted as fraudlant activity from the investigation due to the money being returned )
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.