davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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. (IN)

The following accounts have been furnished on my consumer reports without my authorization or consent without my knowledge. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2024-11-15
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. (GA)

To Whom It May Concern, I am submitting this complaint to formally request the Consumer Financial Protection Bureaus assistance in addressing severe inaccuracies and inconsistencies on my credit reports from XXXX, XXXX, and TransUnion. As a victim of identity theft, these errors are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also cause ongoing financial and reputational harm. 
Background 1. Identity Theft and Unverified Accounts I am a victim of identity theft, as evidenced by my submission of an FTC Identity Theft Report. Following the XXXX data breach, I identified unauthorized accounts and transactions on my credit reports. These accounts were fraudulently opened and are not mine. Despite my timely disputes, these items remain inaccurately reported.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I requested that fraudulent accounts be blocked from my credit reports. Under this section, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate documentation. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that consumer reporting agencies must comply with the statutory requirements of the FCRA once a dispute is filed. The failure of the bureaus to comply with this obligation violates my rights under federal law.

2. Inconsistent and Inaccurate Reporting My credit reports contain discrepancies that violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain reasonable procedures to ensure maximum possible
accuracy of the information they report. For example : Certain accounts appear on one bureau but not others. 
Account balances, statuses, and dates are inconsistent across reports. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that consumer reporting agencies could be held liable for failing to ensure the accuracy of reported information, particularly when such inaccuracies harm the consumer. These inconsistencies and errors violate my statutory rights and have directly impacted my creditworthiness. 

XXXX. Failure to Investigate Disputes I have disputed these inaccuracies multiple times, yet the credit reporting agencies have failed to conduct reasonable investigations as required under 15 U.S.C. 1681i ( a ). In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, the court emphasized that a consumer reporting agencys investigation must be thorough and reasonable, particularly when the consumer provides evidence to dispute the validity of the information.
Consumer complaint received 2024-08-17
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. (AZ)

Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them.

**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 To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - **IC3 ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue.

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter.

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-11-15
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. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$0.00} XXXX XXXX {$280.00} XXXX {$0.00} XXXX XXXX {$420.00} XXXX {$0.00}
Consumer complaint received 2024-10-04
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: U.S. BANCORP (CA)

I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and US Bank. I received these notices beginning of XXXX.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (KY)

On the date of XX/XX/year> a company by the name of Credit Management Company. Posted a debt collection to my credit account with the balance of {$930.00}. The account was apparently opened on XX/XX/year>. When I called the Credit Management Company, who placed the debt on my account to get more information, they could not provide me with any details as of where the debt came from and who it came from. I proceeded to check reviews on the company and they are fraudulent. Now I need this random debt on my account disputed.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (OH)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting a investigation and want validation of any debt that is reported to the credit bureaus. Specifically, I am requesting that you provide the following : Verification of the Debt : Documentation that proves the validity of the debt and my responsibility for it, including a copy of any signed contracts or agreements.Complete Payment History : A full accounting of the debt from the date of origination, including any payments made, interest, fees, or other charges that have been added.Proof of Reporting Accuracy : Evidence that the debt has been reported accurately to all credit reporting agencies.Current Account Standing : Confirmation of the accounts current status, including any outstanding balances and any changes made to the account since it was opened.If any errors or inaccuracies are found during your investigation, I request that you promptly notify all relevant credit reporting agencies to update my credit report as required under the FCRA ( 15 U.S.C. 1681i ). Please note that, under the FCRA, the credit bureau is required to respond to disputes within 30 days, and I expect your investigation to be completed within this time frame as well.Additionally, please refrain from reporting this debt as delinquent or taking any adverse actions against my credit during the investigation period, as required by the FCRA ( 15 U.S.C. 1681s-2 ).
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I simply tried to change my password, after 3 attempts the account was locked so I called Western Union trying to get assistance too unlock the account. I was told to give another email to get the link. I received nothing at the other email. I called at XXXX for 17minutes, no result. XXXX for 17 minutes, XXXX for 23 minutes and XXXX for 39 minutes all to have my account deactivated. I had spent hours trying to access my account all to be told that it doesn't exist. my final call at XXXX was the final straw. I was told that I would recieve an email in 72 hours. My cousin lives in XXXX, all I wanted was to check on the wire transfer.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (MS)

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a XXXX balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would XXXX still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE XXXX XXXX to good standing without the late payment. I have sent dispute letters again to the credit bureaus.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Issue Description : On XX/XX/year>, I initiated an international wire transfer of {$20000.00} from the XXXX XXXX XXXX to Chase Bank in the United States. However, due to an incorrect digit entered in the account number, Chase Bank rejected the transfer. After waiting for two weeks, I still have not received a refund. I have made countless calls to Chase, and they keep passing the responsibility around, saying they can not handle it. As a result, the money is still held at Chase, but they have not refunded it to me. As an XXXX  XXXX, this money is my living expense and is very important to me. Please expedite the refund process or assist me in crediting the funds to the correct account.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

So on XX/XX/2021 XXXX XXXX XXXX  i was informed from my wife when she was looking on experian they have my personal stuff on there without my consent and without law enforcment consent ... .so wIth them posting to there websites my street address age birthdate name all that has put my life in jeapordy plus now puts my wife in jeapordy due to her XXXX XXXX and such im very XXXX off about it i dont feel XXXX safe now companies dont understand how they put a persons life at risk when they pull a XXXX stunt like experian and others ... .experian has absolutley no right to do what they now had done and they are not law enforcment agency.they are defaming my name plus they are not even in the same XXXX state i want this addressed immediatley and i am very very serious to be calling my attorney i am suing experian for defamation of character and hardship plus many more TAKE MY INFO AND BACKGROUND OFF EXPERIAN AND OTHER WEBSITES CONNECTED AND THERE IS A LAWSUIT COMING TO EXPERIAN AND THERE AFFILIATES EFFECTIVE IMMEDIATLEY!
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX, a notice of an alleged debt was transmitted by email notification. The following day, XX/XX/XXXX, I conversed with XXXX, a representative from the XXXX XXXX, " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX neglected his commitment to investigating the dispute and subsequent follow-up. Additionally, XXXX XXXX, the compliance XXXX at " Colombia Debt Recovery DBA Genesis, '' failed to provide his credentials for email correspondence upon request. I stated that a validation request would follow suit and no adverse annotations be recorded on my credit history. XXXX XXXX 's contact information and position were discovered on the company 's website. Following our telephone conversation, I promptly transmitted a follow-up email containing a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that any erroneous information reported to the credit bureaus would constitute fraud, for which legal recourse would file suit. I stipulated that all correspondence going forth be solely via email. Despite my adherence to this course of action, I later received an unfavorable collection remark on XX/XX/XXXX. Subsequently, I have been subjected to unwarranted and harassing electronic communications from Colombia Debt Recovery, operating as Genesis, which have failed to address my debt validation request and instead persist in further collection attempts. On XX/XX/XXXX, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) requesting further investigation into the matter. On XX/XX/XXXX, Colombia Debt Recovery DBA Genesis denied receiving my debt validation request and claimed that the employee I had contacted on XX/XX/XXXX, was not employed by their agency. On XX/XX/XXXX, I contacted the agency again and spoke with a representative named XXXX, during which I reiterated the issue and requested debt validation. XXXX provided his email address, and I immediately followed up with another formal debt validation request, which I have included for your reference. Colombia Debt Recovery DBA Genesis failed to respond and has since ceased all communication. On XX/XX/XXXX, I filed disputes with all three major credit reporting agencies. As a result, XXXX conducted a reinvestigation and removed the negative collection remark from my credit report, while XXXX and XXXX made no changes. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.
Consumer complaint received 2024-11-15
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)

XX/XX/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account XXXX XXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the XXXX pandemic, which impacted my payment ability during the period in question. 
Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers. 
CARES Act Provisions and XXXX Impact : Due to the XXXX pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the CARES Act, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period. 
Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under XXXX accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet XXXX and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that TransUnion immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any XXXX accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (NV)

I recently applied for an account with XXXX XXXX, that account was denied due to a alleged charge off account disputed before and I was informed that I am not responsible for the balance in that account. 
I called the applications department to check on my pending recent application and I was told that I have to contact charge off, I contacted them and they informed that I am not responsible for unauthorized use of that account and even that, the account still showing a negative balance and affecting my record. 
My recent application was denied due to that account that I am not responsible for. 
See attachments.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (PA)

In XX/XX/2021 right before the stimulus checks were deposited they credited the account {$76.00} without my knowledge claiming my account was overdrawn and it was not. This credit was given without sending out any notification and then was debited from the account months later again without notification resulting in overdraft fees and will not refund the fees.