davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I was a victim of the Equifax data breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit reports Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

I purchased a timeshare on XX/XX/2013. I was told that my wife ( back then my fiancee ) needed to sign for emergency contact purposes and if something happened it would be transferable to her without any issues or complications. I was also told the timeshare ( my week ) would be readily available, and that the maintenance fee included the booking fee. When I tried to use the timeshare later on I was told that I had to pay a separate booking fee to go onto an exchange. In addition, the week was not readily available and was taken. In addition during COVID-19, I was required to pay the Maintenance Fee and also during that period we were advised not to travel and the nation was in a pandemic. Furthermore, we then began receiving messages of travel alerts to not go to XXXX because of the drug cartel and danger. Despite all of the above circumstances they closed my account and transferred it over to a debt collection agency. I explained these things to them but they insisted on payments, I contacted the resort and they told me that they would not deal with me any longer and that I have to deal with the debt collection agency. They also recently put the debt on my wife 's credit and it has had a negative impact. I believe I was swindled for a timeshare and misled into signing something that misrepresented the facts and what was told. I tried in good faith to resolve this matter but I see that I am not equipped to deal with this. As an XXXX XXXX XXXX, I was advise by a XXXX XXXX XXXX  to bring this to your attention.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. 

see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (TX)

I bought my wife 's engagement ring from Zales. I financed some of the purchase with their Zales card. I was told at the time of purchase the balance was interest-free for 18 then after 18 months the balance would start to accrue. My 18 months needed last months. At that time I owed a balance of $ XXXX. Three days ago I received my new balance with a balance of $ XXXX. I called the Zales customer care department and was told that the card was interest-deferred. The amount of interest for the entire purchase was added to the balance. I attempted to contact multiple supervisors to get a fair resolution to this problem without success. The Zales company is using dishonest sales tactics on their customers.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (TX)

WORKED IN STUDENT TRUCK DRIVING PROGRAM AT XXXX XXXX FOR ONLY 3 DAYS, HOWEVER BECAUSE I COULD NOT MEET THE PHYSICAL DEMANDS OF THE ROLE WHICH ENDED MY EMPLOYMENT IN THEIR PROGRAM WITHIN THOSE 3 DAYS. SEVERAL MONTHS LATER THEY CALLED ME DEMANDING THAT I PAY THEM {$4700.00} FOR THE TRUCK DRIVER TRAINING CLASSES THAT i NEVER TOOK. THESE PEOPLE ARE ALLEDGING THAT i HAVE A LOAN WITH THEM FOR EDUCATION, HOWEVER IT IS NOT TRUE AND I WAS NEVER PROPERLY MADE AWARE ACCORDING TO THE LAW. I BELIEVE THAT XXXX IS IN VIOLATION OF THE TRUTH IN ACT AND THE THE FAIR CREDIT REPORTING ACT FOR THE FOLLOWING : I NEVER RECIEVED DISCLOSURES FOR SUCH A PROMISORY NOTE, I HAVE NEVER RECIEVED AN INVOICE OR PAYMENT BOOKLET, THEY HAVE VIOLATED MY PRIVACY BY NOT NOTIFYING THAT THEY ARE SHARING ACCOUNT DETAILS WITH XXXX PARTIES AND THEY HAVE NEVER PRODUCED THE ORIGINAL PROMISSORY NOTE FOR SAID DEBT. i WOULD LIKE YOUR IN PROTECTING ME FROM THE UNSCRUPULOUS BEHAVIOR OF XXXX XXXX  BY DEMANDING THAT THEY STOP REPORTING THIS TO MY CONSUMER FILE FOR THEM TO CEASE AND DESIST THIS ALLEGED DEBT.
Consumer complaint received 2023-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is not crediting my HELOC payments although I have sent the payments of {$570.00} on XX/XX/2023 and {$310.00} on XX/XX/2023, which is properly applied would mean I was current. When they called me threatening foreclosure for nonpayment last month, after I gave proof, BoA informed me that it had located the funds placed into the wrong account and that BoA would return the payments to my checking account so I could make the payments to the correct ( according to them ) account. Please know that I have had this HELCO with Bo for over a decade of years and have made my payments each month to the same account. Because my bank was recently sold to a new bank in XX/XX/2023 and thought the transfer of my accounts to the new bank was part of the problem ; I was willing to cut BoA some slack and waited patiently for the return of my funds. However, as of today I have not seen the funds returned to my checking account So, when BoA called me today informing me that it has placed my home in foreclosure because its records show I have missed 3 payments ; I got really piss-off. 

BoA has my funds and is using the excuse that it went to the wrong account to start the foreclosure process to take my home. Also, my credit score has declined by XXXX points due to BOA 's negative reporting.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (TX)

Contacted by XXXX XXXX from a XXXX texas branch. During this call he stated he needed to verif information for the loan. He requested inform such as my landlords name and phone, the name of the apartments I lived, and stated if I didnt give it to him he couldnt provide me with my loan to be processed or offered credit. He stated it was the policy of the company when I contacted the number on the webpage it was supposedly to the corporate office. When speaking with the customer service specialist she informed she couldnt submit my complaint unless I provide her with my name, address and phone number. On the website it states complaints can be anonymous. These individuals continued to discriminate against and bully me for my information through gaslighting and manipulation while also violating my privacy rights to refuse lending for information is not required to establish a loan. When I complained about I further refused resolved and address of these unethical practices and conduct
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCFIRST CORPORATION (OK)

I went to my bank to do a wire transfer for a real estate transaction. I provided the wiring instructions to the CSR. No questions we're asked regarding this transfer, I was asked to verify the information and sign. Please know I was totally unaware of this wire fraud involving real estate. 
The money was to be sent to XXXX  XXXX XXXX in XXXX according to the instructions. Upon receiving a copy of the outgoing wire advise debit. It clearly states it went to XXXX  XXXX XXXX in XXXX!!! Which was not on the wire instructions. Perhaps if Bancfirst had CSR 's who they claim are experceived at detecting fraud, I would not be sending this message! I wired {$57000.00} which is my life savings and this carelessness has caused me to become homeless. I have sent Emails to the Presidents, ECO 'S and have no reply. Nor do I get returned calls from my bank manager when asked questions.
Consumer complaint received 2023-08-30
Product: Credit reporting 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. (NJ)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX  XXXX {$640.00}
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

According to U.S. CODE 1681S-2 ( A ) ( 1 ) ( F ) Reporting Information During Covid-19 Pandemic. 
Responsibility of Furnishers to consumer reporting agencies. 

According to the Accommodation Clause agreement to defer, forbear, modify, partially pay, or get other assistance/ relief. 

All late payments, fees, penalties, etc. must be removed from consumer reporting agencies.
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (TX)

This is an issue about Synchrony Pay Later service. I received a refund from a merchant on XX/XX/2023. I contacted Synchrony and they informed me they had record of the refund. On XXXX XXXX I received a letter stating my account had been corrected and to contact them regarding receiving the money. I was told a check had been sent. When I hadn't received by XX/XX/XXXX I called again they said " so sorry, we'll cancel that check and send another '' It still hasn't arrived and I received another letter saying I needed to contact the refunding merchant. I called toady XXXX XXXX and was told there was no record of a check being sent. Supposedly there will be a check in the mail, again. As of today XXXX XXXX I have not received the refund due me.
Consumer complaint received 2024-10-11
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. (TX)

I sent a payment to XXXX via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 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 2023-08-30
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. (SC)

Even though it is clear that you erred in giving me this erroneous information, I am so shocked, worried, and disappointed that I was unable to eat or sleep. As a result, in order to win back my business, you must remove the items labelled as NOT MINE in a way that is fair to me as a customer and reasonable.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did a 1099 A form that was approved by the IRS on the XX/XX/2023. It was mailed to the company. They havent updated my account to paid in full!
Consumer complaint received 2024-10-11
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.