davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern, To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer r

ight ( s ). ( b ) I do NOT have any required OTHER present addre
sses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT cover any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Consumer complaint received 2024-01-06
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 procedures for disputing inaccurate information on my credit report by submitting multiple dispute requests, each accompanied by the necessary documentation and evidence supporting the fraudulent nature of the listed items. Regrettably, despite these repeated efforts, the inaccuracies persist, posing a significant threat to my financial integrity and creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the fraudulent items listed on my credit report. 
Provide a comprehensive explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Take urgent corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Furnish written confirmation of the resolution, including the expected timeframe for completion. 
Given the continued challenges and the impact on my financial standing, I expect this matter to be resolved within the specified timeframe from the date of this letter. The prolonged presence of these fraudulent items has caused undue stress and financial hardship, and further delays in resolution are unacceptable. 

Failure to address this complaint in a timely and satisfactory manner may necessitate escalation to regulatory authorities, and I may seek legal counsel to safeguard my rights as a consumer. 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
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/13 and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

I lost my XXXX  credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/2023. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All payments were made to XXXX XXXXXXXX XXXX XXXX within 30 days. I have all my payment confirmations. XXXX has reported that I have paid late on six occasions ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). information was only reported incorrectly to XXXX and transunion, experian is correct. I have reached out to them regarding this issue on 3 separate times. And no replies or information were ever provided.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (ID)

I opened a savings account with BMO XXXX XXXX and recently tried to make a withdrawal, but my request was rejected by the bank because they said an account freeze was in place due to potential fraud. I verified all necessary information, and although the customer service rep. agreed everything looked fine, she told me she doesnt have authority to unfreeze my account and that must be done by the fraud team. Unfortunately, no one picks up the fraud teams phone and it goes to a completely full voicemail. Ive now called three times back to customer service, who tells me they cant help me and they transfer me back to the fraud team, which doesnt pick up the phone and has full VM. At this point, I filed a complaint with customer service and just want to close my account, and transfer all money back to the funding account, but they told me that until the fraud team takes action, they cant help me. Even worse, I received an email that my password to my account was changed due to my request, while on the phone with customer service, but I never requested it be changed. When I called back to customer service angry that it was changed, the representative apologized, saying she was the one who changed it and she should have asked permission first. She said that she did it according to internal bank policy in order to open a ticket so the fraud team can help, but I never authorized her to change my password. So now, I dont have access to my online account, the bank has frozen my money, no one in customer service can help, and no one on the fraud team is accessible. Please help! Its right before XXXX and I need access to my money.
Consumer complaint received 2023-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute of {$100.00} with Capital One, they are not resolving the dispute and I did provide them the documentation, even after providing them the documentation they are not ready to give me a credit of {$100.00} and make it permanent. 

they reversed the credit of {$100.00} they gave to me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have many complaints against Experian starting back to XXXX they keep coming back the collection are accurate and they have 3 closed accounts that arent accurate. I called them a week agao talked to fraud explaned that the XXXX XXXX XXXX I didnt do to remove the XXXX XXXX XXXX XXXXXXXX I didnt do 4 of them the XXXX i didnt do, I also told them that I talked to XXXX XXXX XXXXXXXX and they said they havent heard from anyone with experian they said they were nitifing them to remove the inquiries. Experian tld me to mail them the XXXX  Identity theft report with a letter and my ID which i did and still nothing, I have attached the letter from XXXX XXXX XXXXXXXX and the id report and letter explaning the sistuation
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

A wire in the amount of {$100000.00} was sent XX/XX/2023 by XXXX XXXX to Citizens Bank for the benefit of a Citizens Bank account ending in XXXX ( outgoing fed reference confirmation # XXXX ). 15 minutes later it was discovered and a wire recall request was supposedly initiated by XXXX at that time, with the appropriate trailing hold harmless/bond agreement from XXXX to Citizens following on XX/XX/2023. Additionally, Citizens was contacted on XX/XX/2023 to make them aware they had a Fraudulent Account within their system that was set up to defraud an unsuspecting consumer as well as Title Company. Over 20 requests for information have been made to XXXX XXXX and Citizens, only to receive a consistent comment of " Call back in 10 days as your case is in the queue and will be addressed in the order received ''. It has now been over 60 days since the incident and still no information regarding the resolution of the case. It is believed the money is simply sitting in a Frozen Account at Citizens and they are slow playing the addressing of this case in order to take advantage of the deposited money in the account. At a minimum, they should be sharing information regarding whether or not the money is being held or has been released and lost. Unfortunately neither XXXX XXXX nor Citizens is willing to provide any information and simply hide behind the fact this is a possible Fraud Case and it is under investigation, no further information is available.
Consumer complaint received 2024-10-24
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 am writing to formally request the blocking and deletion of the accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I believe my personal information has been compromised, and I am taking necessary actions to protect my credit. 
Please find the details of the accounts that I request be blocked and deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law. 

Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ). 

I have attached a copy of your initial response, as well as the letter from the original creditor.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I bought a car and the dealership shotgunned my credit without my permission. The dealership has been trying to help me rectify this however, both XXXX and Equifax are refusing to remove the unauthorized inquiries despite the dealership stating that they were in the wrong and that they ran my credit to so many lenders without my consent, without my knowledge or permission. Refusing to remove the unauthorized inquiries is a blatant violation of my consumer rights and a blatant violation of FCRA. Therefore, I demand that each bureau pay me {$1000.00} for violation of my rights and their blatant disregard of FCRA. 
I have attached correspondence with the dealership as proof that they have been helping me resolve this and that both XXXX and Equifax have refused to cooperate ; blatantly violating rules and guidelines as well as my rights!
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

So I opened a secured capital one account for XXXX XXXX dollars i used the card maybe one time. I forgot about the card. Then I seen an email. It reminded me to pay the card so I paid the balance that I owed which was money that I technically borrowed from myself as soon as I paid the card. I mean, within seconds of me, paying the card off, which is me paying the {$120.00} that I used of my own money. I paid myself back a XXXX. Dollars basically plus their interest, whatever they closed the card. So then after they closed the card, the lady told me that it would take them 2 months to get me my deposit back, which was crazy, didn't make sense to me but whatever so I call back. And I said, okay, where's my deposit now? Instead of them sending me my deposit back which they should do I now owe {$320.00}. I don't understand how this is possible, and I don't understand why i'm not getting my deposit back
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am dissatisfied with their investigation due to the mismatched information in their reports. The reported entries on my files were not confirmed to be verified, and they have already closed my previously filed complaints after they presented me their invalid records.
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (CA)

I am having issues with my Wellsfargo lender and do not understand why the new modification interest rate went to 6 % when I have a 3 % rate. so the payment is too high for me I am asking for help this modification is not help. I do not understand how they can offer me a covid relief program when this is not going to help me it will only benefit my lender the interest rate went up 3 % more. I believe that they are taking advantage of me the borrower. I do not know if this is legal for the lender to do to me a borrower this all I do know is that the loan is insured by FHA. I think that they do not care to save the loan do to they are insured by FHA if this is the case its illegal. All I know is that I feel discriminated by my lender because all I know is the modification they offered was to benefit the mortgage company. I feel that they are discriminating me and taking advantage since I am not aware of the laws that are suppose to protect me I hope someone can help me.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (NC)

I was sent his debt collection and given a certain amount of time to dispute it but both the phone numbers and the websites they gave me to contact them or dead sites. There was no legitimate way to reach them. And they said if I don't respond by the XXXX of XXXX this will go on my credit report and I have no idea what this debt is. It comes from first financial asset Management Inc and it says the original creditor is XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that on XX/XX/23, there was hard inquiries made to MY CONSUMER report without my consent from either XXXX or XXXXXXXX XXXX XXXX XXXX. I first noticed the inquiry on XXXX, and have since filed a CFPB report, FTC report and Identity theft report against XXXX and TRANSUNION AS requested. Now, I see this is also on MY TRANSUNION report. All unauthorized and adverse actions taken against me by all 4 companies is given a pattern of unfair business practices and racketeering against me the CONSUMER that the consumer report relates too. None of these companies have validated or verified any information with or for me.