davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. I am a victim of a data breach and subsequent identity theft, which has led to unauthorized accounts and inquiries being opened in my name without my consent.

Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that you block and delete all of the following accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: A-L FINANCIAL CORP (CA)

I got a used car loan from A-L Financial in XXXX. My car was impounded, I lost my license and the vehicle was sold at auction by A-L Financial. The loan balance of {$3100.00} was charged off on XX/XX/XXXX. 

Now over 7 years later I am in the process of buying my first home but my credit keeps going down because A-L financial keeps pulling my credit without my authorization. A-L Financial Corp has pulled 3 hard inquiries without my consent or knowledge over the past 24 months and this has dropped my credit enough to stop me from qualifying for a better rate. 

A-L Financial Corp ran a hard inquiry thru XXXX without my authorization or knowledge on the following 3 dates over the past 24 months. 

1 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 2 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX 3 ) Inquiry date : XX/XX/XXXX Removal date from credit : XX/XX/XXXX This is A-L Financial Contact info as it appears on my credit report Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I have filed a transaction dispute with CitiBank for the case where I returned the item to the merchant and the merchant did not refund the money back to my credit card. 
Citi Reference Number : XXXX for the dispute XXXX I opened with XXXX vendor in XX/XX/2023 for the amount of {$3900.00} despite. 

I have provided all required documentation to CitiBank that the device was returned within the return period in compliance with return policy. CitiBank did not even attempt to resolve the dispute and just informed me that the merchant is not willing to credit back the money to my credit card. CitiBank did not protect my rights as the client, disregarded all submitted proof and did not hold the merchant accountable for dishonest and fraudulent behavior!!!! It seems that no one at CitiBank even went through the documentation and relied on the merchant unwillingness to refund the money back, which is illegal as per the terms and conditions of the credit card! I request CitiBank to hold the merchant accountable and debit the full amount back to my credit card, which the bank should comply with.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have gotten a XXXX XXXX XXXX but comenity bank. When it was time to register my account. I had to call customer service because it helps stating my account was not found. I called customer service they were able to find my account with no issues. As I was on the phone I was able to register my account and make a payment. I, then signed up for paperless emails. They sent me an email to confirm and when i try to log into my account it states page not found. The website also removed my phone number from the account so I can only receive the code to login in with security through my email. When I call and speak with someone they are able to see my phone number perfectly fine. I try to make payment through automated system is does not work as well. I just tried to sign in to my account and the actual website does not allow me
Consumer complaint received 2024-01-12
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. (AR)

I have diligently followed the established dispute process, providing evidence of the fraudulent nature of these items, such as police reports, affidavits, and any other relevant documents. However, despite these efforts, the fraudulent entries remain unchanged on my credit report.

I wish to bring to your attention the following concerns : The presence of these fraudulent items has not only affected my credit score but has also led to potential identity theft concerns. This poses a serious threat to my financial well-being and personal security.

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ensure the accuracy and privacy of the information they report. It is evident that the fraudulent items on my credit report are a clear violation of this mandate.

It appears that the credit bureau has not conducted a thorough investigation into my disputes. I urge you to initiate a comprehensive and detailed review of the fraudulent entries, promptly taking corrective actions as required by law. 

I kindly request your immediate attention to this matter and a swift resolution to remove the fraudulent items from my credit report. Please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as required by the FCRA, outlining the results of your investigation and the actions taken to rectify the fraudulent entries. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (UT)

KICK OFF LENDING IS FRAUD BOT GENERATED COMPANY WITH NO PHONE, FAKE ADDRESSES ( ALOT ) NO HUMANS T FIX PROBLEMS, THIS ACCOUNT HAS BEEN CLOSED DUE TO A FRAUDULENT COMPANY SUCH AS KICK OFF LENDING DOING BOT GENERATED " COMPANY '' AND NEVER REPLYING TO THEIR " CUSTOMERS '' NOR DOING ANYTHING TO HELP THEM EXCEPT TO REPORT IMPROPER INFORMATION TO 3 CREDIT REPORTING AGENCIES. XXXX XXXX XXXXXXXX ANOTHER OVER SEA 'S IN AND OUT COMPANY THAT DOES ABSOLUTELY NOTHING... ..CHECK THE REVIEWS .... FED. BUREAU IS NEXT.
Consumer complaint received 2024-01-17
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. (FL)

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. 

Account Name : XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : FCO Account NumberXXXX has violated my rights. Or a 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.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (NJ)

Attorneys PRESSLER, FELT & WARSHAW LLP, AKA XXXX XXXX XXXX Willingly and knowingly violated several NJ laws, statutes and a number of fair credit ethical business practices by suing XXXX  of NJ residents in XXXX  Court of NJ, obtaining default judgments to seize Bank accounts, EXEMPT FUNDS SUCH AS XXXX, social security etc. On " debts '' far outside of the statute of limitations NJ set for 6 years. Poor AND ILLEGAL business practice, stealing money from persons on FIXED INCOMES, claiming they acquired such debt LEGALLY?!?!?! ABSOLUTELY NOT.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

At the end of XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX concerning a security breach, with the letter suggesting I take advantage of a FREE XXXX service from Equifax. The letter provided a XXXX activation code to provide to get the free service. 
On XX/XX/XXXX, approx XXXX, I followed the instructions for the free service by going to : www.equifax.com/activate, and followed the steps under " Enrollment Instructions ''. Throughout the process I never saw an area for inputting the XXXXdigit activation code. I thought it may come up at the end before OK'ing the purchase but it did not. At that point it verified a purchase so I immediately figured I'd better call customer service to correct things. I received a recording stating " Our system is down, call back ''. I then went back to the Equifax website and immediately cancelled the service and received a confirmation that the service was successfully cancelled ; of which I took a screenshot ( attached ). 
On XX/XX/XXXX at XXXXXXXX XXXX, after noticing on my bank statement that I was charged {$19.00}, I called Equifax XXXX explain the problem and that I needed to receive a credit. The rep said she could activate the FREE membership and took down the XXXX number to do so. But she said the XXXX XXXX. would need to process the credit and that I would receive an email from them in XXXX days. I received no email. 
Today, XX/XX/XXXX, after receiving my bank statement, I noticed the charge, but no credit. 
I again called Equifax and explained the whole situation to the customer service rep. He put me on hold, again, and came back to say that Billing would not refund me as I didn't cancel in time. I explained, AGAIN, that I immediately called to cancel by phone ( their " system was down '' ) then went onto the website and cancelled. He said they had no record of that at which I told him I had a screenshot of the confirmation that I had indeed cancelled it. He said he could not authorize a refund and I asked to speak to a manager or put me in charge of Billing. He said he could not do that either. 
This is totally unacceptable! This FREE service just cost me {$19.00}. Please do what you can to help me with this. Thank you.
Consumer complaint received 2023-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK (WA)

XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, WA. XXXX RE : Midland Mortgage XXXX XXXX XXXX XXXX  XXXX, OK XXXX Account # XXXX On XX/XX/XXXX, I initiated a letter of grievance to Midland Mortgage to dispute the handling and timing of my mortgage account. They told me I would receive a reply in 30 days. To date I have yet to receive an answer to my grievance. 



Timeline XX/XX/XXXX I moved into my house via a VA loan through XXXX XXXX. 

XX/XX/XXXX Midland Mortgage buys my mortgage from XXXX XXXX, I didnt like that. 

XX/XX/XXXX M M offers me a forbearance for one year due to Covid pandemic. The agreement was put that year on the end of my 30-year mortgage. 



XX/XX/XXXX M M suggests I apply for a grant from the state of Washington. That would pay for the forbearance year. I took the necessary channels and applied to XXXX XXXX. I was told it would take a couple weeks. 

XX/XX/XXXX - XX/XX/XXXX M M reports my account as negative and none paying to the three credit bureaus. WRONG. 

XX/XX/XXXX - XX/XX/XXXX Washington state granted me the grant for {$39000.00} and forwarded said funds to M M. 

XX/XX/XXXX I called M M to request documents on my home for tax purposes. They said we cant honor my request because they didnt post the monies to my account until that day! WRONG It has been nearly 60 days since my grievance was filed and no reply. I seek a correction to the reports submitted to the three credit bureaus. I would like my XXXX points lost on my XXXX score returned. I seek restitution for my pain and suffering. I asked them to adjust their calculations, to put XXXX at the end of my contract and start new XX/XX/XXXX. 

Please CFPB, I seek your help in this matter. 



Sincerely, XXXX
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I logged onto paypal to change the credit card saved to make payments on an automatic subscription to XXXX XXXX XXXX. The credit card ending in XXXX had been compromised, so my credit card company cancelled that card and sent a new one. I went in and changed the card to the new one. I then noticed I had a negative balance of - {$79.00}. 

On XX/XX/XXXX XXXX XXXX XXXX processed the automatic payment for the subscription. Because I still had the cancelled credit card on file it declined. So paypal attempted to charge my checking account ending in XXXX without authorization. I closed this checking account a week ago, so that also declined. As a result, paypal took it upon themselves to pay the {$79.00} to XXXX XXXX XXXX and put a - {$79.00} balance on my paypal account. I called them to ask them to reverse this and to charge the new credit card instead. They said there weren't able to do this. I asked to speak to a manager. I asked the manager why did they process an unauthorized charge to my checking account and pay {$79.00} to XXXX XXXX XXXX. The charge should have just been declined. They said I never had my credit card set up for the automatic payment. That I either had no payment method selected or had the checking account selected. I assured them that I linked it and saw it was linked right before I added the new credit card on XX/XX/XXXX. My point is further proven by the attached automatic payment that was made in XXXX showing the linked credit card that had been cancelled. She insisted that I did not have it linked. I informed her that this was an unauthorized charge to my bank account and should not have been done in the first place. I asked her how can I prevent this from happening in the future. She said because I now have it linked to a credit card it won't charge my checking account. But again, it was already linked to a credit card and they attempted to charge my checking account that left me owing paypal a negative balance. I paid the {$79.00} to avoid any issues.
Consumer complaint received 2024-01-17
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. (CT)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX account was placed on my credit file and I have requested the source of verification and proof this my account from Transunion and have never received the source or name of verification from Transunion they only keep saying its mine and verified. The source need a to reveal on how they came up with the decision its mine. I want it removed Also XXXX XXXX especially and transunion has very old accounts on my credit report from XXXX XXXX XXXX XXXX which are very old even if the account says closed I have ask those old accounts to be removed from my credit file to no avail they still are listed and I want them removed. I only have XXXX name XXXX XXXX XXXX I only have XXXX address XXXX XXXX XXXX XXXX, I want all other names and address removed from my credit file and forward me a new copy of the credit report. XXXX to the new Law these bureaus are not practicing the law and I want them hel accountable for not proper handing and misusing my credit file. Consumers must be provided with all sources for the information included in their file, including from the original and other sources, so they can correct misinformation. Consumers only need to make a request and provide identification to get their report rather than using specific language or lingo. The report must be presented in a way an average person could understand and include the sources of information. 

The CFPBs advisory opinion has no effect on formal rulemaking but highlights the bureaus top concerns. It comes as the CFPB considers expanding and updating federal credit reporting standards under the Fair Credit Reporting Act. 

This is a statement from CFPB and I want my credit report fixed properly this time.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (NJ)

I dont know who this person is, I never did business with them. And they furnished a report with my personal private property without my consent. I want them off my report because its damaging. Unless they can provide the original contract we have with the all signatures