davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently learned that my personal information was leaked in a data breach and i beleive it was used to open accounts that are not mine. I did not open or authorize any of these accounts. in 2019 my wallet was stolen and I believe this could be a result of that also.
Consumer complaint received 2024-08-23
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-23
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-23
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)

I was affected by the XXXX XXXX XXXX and these accounts listed are fraudulent along with hard inquiries I have attached a report I filed with the identity theft.gov I need these accounts removed and inquiries removed immediately Accounts # XXXX XXXX XXXX Account # XXXX XXXX XXXX dba grid Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
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)

I am writing to dispute the reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-10
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. (AK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Account : XXXXXXXX XXXX XXXX- {$130.00}. Date Opened XXXX, XXXX 2024
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NM)

This complaint keeps the unresolved primary issue with CFPB complaint XXXX ( Wells Fargo complaint XXXX ) on the table. What Wells Fargo has still to address is how the fraudster was able to do a cash advance on my Visa card. Their actions and inactions so far imply they are not willing to significantly improve their customers ' account security to better prevent this kind of event happening again. All I am seeking is a ) Wells Fargo 's plan and commitment to significantly improve their security in the aforementioned regard, and b ) hopefully dismiss their claim that I owe them {$19000.00} which could not have happened without this security breach.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, has violated my rights.15 U.S.C 1681 Section 602 A. states the right I have to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C. 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-09
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unauthorized Inquiries on My Credit Report : ** 1. Inquiry from XXXX on XX/XX/XXXX. 
2. Inquiry from XXXX XXXX on XX/XX/XXXX. 
3. Inquiry from XXXX on XX/XX/XXXX. 
4. Inquiry from XXXX XXXX on XX/XX/XXXX. 
5. Inquiry from XXXX XXXX on XX/XX/XXXX. 
6. Inquiry from XXXX XXXX on XX/XX/XXXX. 
7. Inquiry from XXXX XXXX on XX/XX/XXXX. 
8. Inquiry from XXXX XXXX on XX/XX/XXXX. 
9. Inquiry from XXXX XXXX on XX/XX/XXXX. 
10. Inquiry from XXXX XXXX on XX/XX/XXXX. 
11. Inquiry from XXXX XXXX on XX/XX/XXXX. 

**Statement : ** I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit report act XXXX account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-18
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. (FL)

Please review the following accounts listed in the files below, these account doesn't belong to me and I need it removed immediately. My identity is being stolen and i want this to resolve immediately. It Is degrading to my character and i want these accounts and inquires to be removed.
Consumer complaint received 2023-10-27
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 (CA)

On XX/XX/XXXX I received an email notification from Columbia Debt Recovery LLC, dba Genesis that this company was attempting to collect a debt they claimed I owed to a previous landlord, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA ) in the amount of {$1100.00}. I intended to dispute this debt because I believed the amount was legally unjustified given that it was incurred only because I had failed to give 60 days notice of intention not to renew my lease. I was surprised at this initially because I had never even heard of a notice requirement anywhere close to that long and I thought the 42 days ' notice I gave was plenty. 

At any rate, I went to the Consumer Financial Protection Bureau 's website to get some advice about how to respond and I downloaded a form letter ( the Debt Validation Letter ) with all the appropriate requirements and filled in the specifics for my situation. I printed out the letter and sent it by certified mail to the address listed for Columbia Debt Recovery in the initial email I had received on XX/XX/XXXX. I sent the certified letter on XX/XX/XXXX, which was well within the time frame outlined for a response in the email I received from Columbia Debt Recovery ( it said a response must be received by XX/XX/XXXX ) and I subsequently tracked the certified letter, which the XXXX shows was delivered on XX/XX/XXXX at XXXX am. 

I never received any written response or any response that I can discern or recall at all from the debt collection agency in question. Today, XX/XX/XXXX, I was notified by the credit monitoring service to which I subscribe that Genesis Credit Management reported a collection in the amount of {$1100.00}, and of course, my credit score has taken a substantial hit as a result of this. My understanding is that debt collectors are not legally permitted to report debt collections to credit agencies when they have a received a Debt Validation Letter and given that the letter I sent was delivered according to USPS and that the address to which I sent it was the address I found on the email I was originally sent for the debt collection, I do not understand why this could have legally occurred. 

I am fairly confident that what this debt collector has done is a violation of the Fair Debt Collection Practices Act and I want to ensure that this company is properly reprimanded, that it will not do this in the future to other consumers and that I am made whole by the harm that has been done to me because of this company 's illegal behavior. I have documentation to prove everything that I have stated occurred as I have explained. I contacted the debt collector today by phone and they claimed ignorance and asserted that I had made a mistake and that they had done nothing wrong. Needless to say, I was not happy with the interaction.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi! How are you? I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.
Consumer complaint received 2024-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made my payment before the due date and the company rejected it, I notified them about the problem with the payment and they would not remove the late fee or interest. I then received a letter in the mail stating that my payment was rejected by them and customer service still will not remove the fees. They reported me to the credit reporting agency 's and now my score is XXXX points lower.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Dear Sir/Madame, My Capital One Quicksilver card statement of {$42.00} was due on XXXX XXXX. I made the payment on XX/XX/XXXX of {$690.00}, to cover the {$42.00}, {$25.00} late fee and also the upcoming amount of {$620.00} out of good will. I thought Id be OK, but was charged {$11.00} of interest charge unexpectedly. The {$11.00} charge was posted on XXXX XXXX. 3 days AFTER Ive paid for the XXXX statement, not only in full, but in extra. 
For {$42.00} statement two days late, was charged {$11.00} of interest charge, what kind of interest rate is this? 
I spent a lot of time looking at the statements, and found that they charged 26.24 % interest rate based on {$510.00}, which totally does not make sense. I called the credit card company and even asked for the manager, but they refused to correct their mistake. 
I suggest customers look carefully of the tricks on interest rate. I am very frustrated of being ripped off, and wasted all the time calling the credit card and studying the statements. I am attaching the statement from XXXX and XXXX for your information. I really appreciate CFPBs help straighten this out.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NM)

XXXX This account was past due as of XXXX due to divorce. They are reporting that my account is past due of XXXX days as of XX/XX/XXXX. I settled this account for less than full balance on XX/XX/XXXX with XXXX. XXXX say they cant do anything that XXXX is reporting incorrectly and XXXX says XXXX is. No one is willing to help me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-30
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. (CT)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"