davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have two accounts on my credit report from Midland Credit Management attempting to collect debts from two different credit card companies, XXXX XXXX and XXXX  which I have no clue if they're actually mine. I read on the CFPB website that I can ask the companies to validate the date and by Federal Law they would have to respond to within 30 days with documentation and answers to my questions to prove the debt belongs to me. I used a template letter from the CFPB website and sent a letter XX/XX/2023 for each debt to Midland Credit Management asking them to validate the debts and respond within 30 Days, I did not get a response. So, after 45 days, I looked at my credit report and they were still reporting the two collection accounts! Then on XX/XX/2023 I sent another letter for each debt to Midland Credit Management asking why they didn't respond and informing them that the Federal Law clearly states they can not report a disputed debt if they can not validate it and included the fines associated with these violations. In the letters I asked them to delete the accounts within 10 days, to only contact me to confirm they deleted the accounts, and to close the accounts on their end. I again waited 45 Days to check my credit report and the accounts were still being reported! So, I decided to send one more letter on XX/XX/2023 letting them know they were in violation of the Federal Law and they've had plenty of time to investigate and get some confirmation or documentation that they could send to prove these debts belong to me. My thoughts are they're stalling and just hoping that I'll go away so they don't have to remove the debts from my credit report and they'll try to collect them at a later date. I told them the accounts MUST BE DELETED and they could not collect the debt, report the debt, or sell the debt which is what I've read is what these companies do. I also let them know that I was going to file a complaint with the CFPB or XXXX XXXX XXXXl or consult with an attorney if they continued to violate my rights! I thought that would get their attention and they would finally comply with the Federal Law and remove the debts from my credit report. However, after another 45 days I checked my credit report and they're still reporting! This is why I'm filing a complaint against Midland Credit Management because they are willfully and purposely violating my rights and the Federal Law by not responding to my requests for validation, not validating the accounts at all, and continuing to report the accounts on my credit report.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

In being very careful not to duplicate a complaint, this complaint is about a specific issue with this Banking Institution. This complaint is against Wells Fargo, and information uncovered in their response to a CFPB complaint, which was unknown by myself until their response. Through the response : ( 5 ) accounts in my name were listed on the response from Wells Fargo. When I began doing business with Wells Fargo, I opened a Checking Account and a Retirement Savings Account. However there were ( 5 ) accounts listed in my name. Who opened these other ( 3 ) accounts?? I should have ( at this time ) no open accounts with Wells Fargo. And I continue to await my {$8800.00}, which is owed to me by Wells Fargo. How is Wells Fargo allowed to stay in business with all this Fraudulent activity which they are involved in.?? Thus far, costing Wells Fargo 1.7 billion in Civil Penalty and 2 billion in restitution. Where are the Government Oversight Agencies, as this type of activity continues to take place????? And of course, I have no access to these other accounts opened in my name and without my authorization.
Consumer complaint received 2023-08-14
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: 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 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC (MO)

I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect a debt that I owe to " Huntington Debt Holdings LLC '' in the amount of {$1900.00}. 

I have never heard of " Huntington Debt Holdings LLC ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with XXXX XXXX XXXX. I submitted my dispute through their website at " XXXX XXXX XXXX XXXX and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.
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: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

As an XXXX XXXX and longtime customer with Chase Bank, unfortunately I fell for a typical scam. I sent money to who I thought was my XXXX through XXXX. I've done this before and it didn't raise any flags. She wrote me off of social media which we use often to communicate, and asked for help paying a rent bill. I ended up sending the money through XXXX to the phone number that had apparently been hacked. I told my institution about the scam while the transaction was still pending and they said they would start the claim and I would get provisional credit in my account in the next 10 days. I haven't got any recovery and I've been denied XXXX times for the claim even though several other people were scammed as well and received their funds back with other banks like XXXX, and they filed after I did. I've also walked into the branch several times and they keep assuring me Chase Bank will refund me the money if I continue to call them ans escalate the scam and they aboslur can not help on the branch but I will definitely get my money back. It's sad the bank allows such a way to transfer money without any responsibility even though they had other regulations and obligations if this transfer was done differently. It's in their best interest to keep pushing customer to use XXXX so they never have to be responsible and can just say sorry you signed up for it.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated. 

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ). 

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Account number : XXXX XXXX XXXX Bank of America has declined to reimburse me for missing funds totaling over {$15000.00}. I suspect that Bank of America has misappropriated my funds and is disguising it as fraud. I initiated a fraud claim in XX/XX/XXXX, which went unanswered. Despite multiple attempts to follow up via phone, I received no resolution and was continuously redirected. In XX/XX/XXXX, Bank of America requested that I resubmit the claim and email the documentation to their specified address, yet this request was also disregarded. Without prior notice or explanation, Bank of America subsequently closed my account during the ongoing claim process. 

Today, the bank has acknowledged that their account was compromised by hackers and fraudulent activity did occur. However, they persist in refusing to reimburse me for my losses. The hackers initiated numerous transactions using the identity of my payroll provider, " XXXX ''. I suspect that there may have been additional fraudulent transactions disguised under the names of legitimate vendors with whom I have conducted business. It is imperative that I recover my funds without further delay.
Consumer complaint received 2023-08-14
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. (MO)

there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer.

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.
Consumer complaint received 2023-08-14
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP (CA)

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit. 

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On unsaid date in the latter part of XXXX, Bank of America unexpectedly closed my account due to fraudulent activity. Said bank made it where I was unable to gain access to the account. I had pending direct deposit coming on XX/XX/2023. I have was expecting to have access to my funds to pay my mortgage. On XX/XX/2023 I spoke with a representative who stated she would make a request for me to walk into the bank and obtain the funds. On XX/XX/2023 spoke with another representative who stated that request had been denied stated the account was pending closure on XX/XX/2023. I have bills that are now past due and are in pending status of being terminated due to none payment. This information was relayed to Bank of America and was told it was nothing they could do about it. My issue is as fast as they made the account unavailable to me, they should have refunded me just as fast.
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (KY)

On XX/XX/24 at XXXX, all of my money was taken from my bank account and transferred to @ XXXX for the amount of XXXX I contacted Chime XXXXXXXX the same day and filed a dispute and on the XXXX they denied my claim and will not refund my money.
Consumer complaint received 2024-10-31
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. (VA)

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. 

It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. 

I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2023-08-14
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. (CA)

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.

has violated my rights. Or list of inquiries 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.