davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Equifax ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt.

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported.

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile.

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617.

Please note that the definition of " verification '' as used in the FCRA and provided in Black 's Law Dictionary is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Thank you for considering my complaint.

Sincerely,
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

You provide credit reporting information to your partners efficiently through a digital system. 

With this in mind, it is unreasonable and inconvenient for you to only offer the ability to request a copy of my NCTUE Disclosure Report through a slow and inefficient automated phone system or through the mail. 

With this in mind, it is unreasonable and inconvenient to require consumers to call different phone numbers, each requiring their own verification, to place freezes and fraud alerts. 

The complexity of this process indicates that NCTUE intentionally tries to make it difficult for consumers to exercise their rights. 

In addition, NCTUE does not comply with 12 CFR Part 1022.137 ( a ) ( ii ) ( B ), and does not provide a way to file a complaint with the NCTUE and the CFPB in the FAQ section of their site.
Consumer complaint received 2023-02-02
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. (MD)

HI 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
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

XXXX. On XX/XX/2023, I deposited through the mobile application a check in amount of {$4300.00} in my Wells Fargo checking account. The check was drawn against another personal account of mine opened at XXXX. 
Right away, Wells Fargo made available the amount of {$400.00}, stating that the rest of {$3900.00} would be made available on the next business day, XX/XX/2023. 
XXXX. On XX/XX/2023, Wells Fargo revoked the previous decision and put the entire amount of {$4300.00} on hold until XX/XX/2023. 
XXXX. Then, on XX/XX/2023, Wells Fargo again changed its previous decision and extended the hold on the entire amount until XX/XX/2023. 

As a result, today, XX/XX/2023, I called Well Fargo and, after speaking with XXXX different people, the resolution was that there's nothing that can be done to release the hold because XXXX marked the check as " potential fraud ''. 
In response, I contacted XXXX right away and they confirmed that ( XXXX ) not only there was no fraud alert on their side but ( XXXX ) they had already honored the check on XX/XX/2023. 

What this means is that Wells Fargo continues its well-known dishonest behavior. XXXX paid the check, but Well Fargo has unilaterally decided to put my funds on hold, with all the repercussion... on XX/XX/2023 I did not have enough funds to pay my mortgage ( also at Wells Fargo ) and my money is not available at any of the XXXX banks.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-02-04
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..
Consumer complaint received 2020-04-23
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. (LA)

In XXXX after checking my credit report I noticed that several files were not mine. Equifax was reporting XXXX, XXXX, XXXX and XXXX XXXX. None of these accounts belonged to me. I disputed with Equifax. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Equifax several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Equifax is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Consumer complaint received 2023-02-04
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. (MD)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
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)

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2023-03-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022
Consumer complaint received 2023-03-09
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This lease was forgiven by the manager at the company I made arrangements to begin paying the balance owed I made 2 payments one in XX/XX/2020 then another in XX/XX/2020 however because of Covid 19 Pandemic I eventually lost my job and was unable to keep up with my arrangements I contacted the office and let them know that I had applied for EDD and would get a payment to them as soon as my payments began I was assured that was ok and it would not hit my credit negatively however the Edd took months I called the office numerous of times to let them know. 

Well the last time I called the Customer service Rep in XXXX I was advised due to the Pandemic they would not be holding me liable for this debt as the office received funds from the SBA and it was all a wash and since I had made some payments I was not liable for the rest as the world was in disarray and I was employed So I left it alone however 2 years later this is on my credit report
Consumer complaint received 2023-03-09
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. (NC)

TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (LA)

XXXX XXXX XXXX sent a {$62.00} charge to collection agency credit management however, I do not owe them. They actually gave me a credit because I did not owe them this amount. It was their error. I went through the chain and reported it to the credit agencies contacted the credit management and XXXX XXXX they were like no you dont owe anything it got deleted from my credit report on XX/XX/ and then got put back on XX/XX/23. I called XXXX  today XX/XX/23 and they asked me to three-way call credit management the collector and include them in the phone call so they can let them know that there was no debt. They said they sent the letter showing nothing was owed and for account to be removed from all credit bureaus on XX/XX/23. I said I understand however it got removed and put back on my credit report XX/XX/23 They would not listen to what I was saying and was rude to me. I asked to be mailed copy if letter sent to credit bureaus.so I can submit with another dispute. We shall see if that happens. This has dropped my credit score 30 plus points. Considering I didnt owe this and it was XXXX error to even send to collections and the fact that XXXX  sent me a credit this is wrong. Very wrong. Someone should be accountable.