davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
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 (NY)

My name is XXXX XXXX. I do not consent to XXXX  verification. Capital One Bank furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended Capital One Bank no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by Capital One Bank.
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and Transunion have all agreed to remove it as long as they got request from XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax Credit Bureau 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE DELETE THE ACCOUNT BELOW : ( XXXX XXXX )
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both Equifax and XXXX removed that I did not do!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MN)

Security Credit Services continues to report that my account is open and was opened in XX/XX/XXXX, making it look like this is a new account. It was from XXXX and was charged off then subsequently resolved a long time ago. I have disputed it numerous times and they refuse to update with accurate information and even if it was not resolved it will be too old to collect on in a few months anyway. To lenders it looks like a recent collection based on the information Security Credit Services provides.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

LVNV FUNDING LLC account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer, XXXX entered into a consumer credit transaction with Capital One starting in XXXXCapital One violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Capital One with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. And all 3 of my accounts were closed without my consent, due to a bank issue. After accounts were closed without my consent Capital One still charged me late fees for months after accounts were closed without my consent.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2021-11-08
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. (FL)

I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

I have been violated by JPMCB on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive had around XXXX dollars withdrawn from my BofA account. I was told that I had until Wednesday XX/XX/XXXX to pay the money. As the charges havent been reversed I can no longer pay the amount and am out of a job. There has been recurring charges every single day since the XXXX amounting to the XXXX dollars Im renting to drive and have no idea how to manage this as BofA already cleared my account as of XX/XX/XXXX and now XXXX is charging with amounts not agreed to in the contract Even if I had warranted a XXXX dollar a day charge that would be a quarter of the amount take BofA XXXX XXXX are leading people to lose money and this is a key example I do believe there is fraudulent activity involved Both the XXXX employee and investigator have said Im not in repossession
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CO)

My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. 
In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. 

After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! 

Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! 

The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! 

Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.
Consumer complaint received 2024-08-26
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -BALANCE {$7700.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply. 

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation. 

I have contacted Experian several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1.
NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ; 2. NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Chase credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme XXXX  and XXXX. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( JPMCB Chase ). So because this address is listed on my credit report, it compromises my ability to find housing. JPMCB Chase corporation and its representatives have purposely lied and defrauded me over and over again.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX I am sending this complaint myself and there is no third party involved. The account JPMCB CARD was a corporate account and was mistakenly reported on my profile. I believe there may be an error on the payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.