davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-02
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. (AR)

The attached information was sent to Equifax. I sent them all my identification and they claim they can't find my account which is a lie. They also sent the following information to my mailbox after receiving ALL the REQUESTED identification information. 
Please make them delete the information requested due to the creditors not providing a contract of debt obligation with my signature within the 30-day time period per federal law it must be deleted. I sent these letters to Equifax and XXXX. They need to follow the law and delete the items immediately!!!! This is their last chance to do right or I WILL FILE A FEDERAL LAWSUIT AGAINST THEM FOR VIOLATING MY CONSUMER RIGHTS. 
THE CFPB NEEDS TO MAKE BOTH OF THESE CREDIT REPORTING ADENCIES REMOVE THE ITEMS IMMEDIATELY. PER FEDERAL LAW THEIR TIME IS UP
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I mailed a check to a creditor, XXXX XXXX. Someone intercepted the mail and deposited the check into Wells Fargo bank. The endorsement was clearly wrong and Wells Fargo should have never accepted the item for deposit. Wells Fargo is conspiring with the thief by failing to return my funds.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-11-02
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. (NM)

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 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, .XXXX, Number : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2024-11-02
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. (SC)

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX  None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Consumer complaint received 2018-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX 2017 and XXXX i have an inquirys from XXXX XXXX XXXX that I need to be removed from my credit report
Consumer complaint received 2018-01-18
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. (CA)

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : XXXX XXXX I - XX/XX/XXXX Experian : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX I XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-30
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. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2018-01-18
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)

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Consumer complaint received 2018-01-18
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. (CA)

Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( Experian, XXXX, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


Experian : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX : XXXX XXXX Account Number XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

I do not have a debt with this company. 
I have not received anything showing me that this is my debt. 
I have not signed any contract with XXXX XXXX XXXX nor do i have any records that I owe this company any money. 

This item needs to be removed from my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to see inaccurate accounts on my credit report and can't understand how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the errors remained. Because of this issue, Im urgently asking for a thorough review of the documents I submitted so I can have peace of mind.
Consumer complaint received 2024-10-30
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. (WI)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,
Consumer complaint received 2018-01-18
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: Kramer & Frank, P.C. (MO)

XXXX XXXX XXXX is trying to sue me for the Amount of {$3600.00} by way of Attorneys office : Kramer & Frank XXXX XXXX XXXX. XXXX. 
XXXX XXXX, MO XXXX File # XXXX XXXX XXXX ( XXXX ) XXXX Letter was sent to my Residence on XX/XX/2018. It is quite a friendly cute letter if you will. XXXX XXXX XXXX is in Bold lettering implies yelling. XXXX XXXX is the contact for the above listed Attorneys office. they offer for me to pay online at XXXX. I will admit I was XXXX off due to the amount of overdraft fees you and I know accrue with Banks. You can gather they are harassing me and want to file for a judgement to be placed on me. You know when one has a XXXX his/her income is limited well my income is limited I receive XXXX dollars on the XXXX of each month from XXXX XXXX XXXX who by the way allows me to withdraw {$60.00} dollars each month in cash for the payment of XXXX dollars. I withdraw XXXX then I pay XXXX dollars so I really pay {$40.00} dollars for {$60.00}. I admit I need to pay XXXX XXXX some money due to a delinquent account, credit card, However, I did pay over 75 % of the balance due to the fact that I thought that I would be able to keep my Job and pay my bill. However you know it 's time like this that I wish I 'd never gave XXXX XXXX {$20000.00} XXXX XXXX {$10000.00} XXXX XXXX {$20000.00}. You know right now their rejoicing in the fact I cant pay XXXX XXXX XXXX for the Credit Card. My spending got out of control when I lost my Job. Sorry this informative letter is n't perfect according to Legal Standards However, I Hope that I 've Voiced myself concerning this matter correctly. 
Last I live at a XXXX XXXX XXXX in XXXX Missouri Like the Creditor.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A few months ago I discovered that Kohl's/Capital One was reporting an account in error on my credit report. I disputed the account with all three credit bureaus, but it came back " verified '' on all three. On XXXX XXXX, 2017 I sent the attached detailed letter to Kohl's/Capital One, but they never responded and are still reporting the erroneous information. I have read where many other consumers have had the same exact problem with Kohl's/Capital One.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (OK)

Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (IL)

This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

Hello CFPB I am writing to assist regarding XXXX XXXX XXXX XXXX XXXX XXXX with application ID # XXXX XXXX XXXX. I applied and was asked to send documents My Driver License SS Card and Utility Bill for verification which i did send. I received voicemail to call them and i did call them but they start asking some question back in 10 years period i tried my best to answer and they declined application. I send and complied with all their request and i was denied. Please assist me to get this application approved. I have great credit and this is Valid application for credit.
Consumer complaint received 2018-01-18
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: Eagle Accounts Group, Inc. (PA)

XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.
Consumer complaint received 2018-01-18
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. (FL)

XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I had a discover credit card and the company closed my account because I payment got returned due to NSF.. But what is mind blowing during the time the payment was made no payment was due and my account should have had a full positive balance. I disputed some transactions that were fraud and the claim was closed and all the monies was credit back to the account .... Discover should have never closed my account. I want either my XXXX security deposit returned to me immediately or a just like the letter the company sent saying that they have established a new account for me, but when I call they something different .... I would like for the account to be reinstated and a new card sent out to me immediately.