davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (CA)

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 has violated my rights. 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 2023-10-12
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. (IL)

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX has violated my rights. 
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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-04
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. (GA)

This is my 21th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-19
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: Affirm Holdings, Inc (GA)

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, XXXX XXXX and Affirm falsely in my name. I have never requested any cards or products if XXXX, XXXX XXXX or Affirm. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company AFFIRM INC in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO AFFRIM AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, AFFIRM XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-19
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. (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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2023 I sent out certified and notarized written correspondence to Transunion demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Transunion has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Transunion fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (NC)

To Whom It May Concern : Equifax, XXXX, and XXXX are still in violation of XXXX USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given Equifax, XXXX, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are 15 accounts being illegally furnished on my consumer report. 

I demand that Equifax, XXXX, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow Equifax, XXXX, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax, XXXX, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. Equifax, XXXX, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that Equifax, XXXX, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXXXXXX XXXX Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXXXXXX I have also filed previous CFPB reports on Equifax, XXXX, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. Equifax, XXXX, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Consumer complaint received 2023-10-12
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation

within 30 days.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 2023-10-12
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: LJ Ross Associates (AZ)

I am not liable for this debt of {$520.00} with L J ROSS ASSOCIATES, INC Account number : XXXX I do not have a contract with L J ROSS ASSOCIATES, INC, they did not provide me with the original contract as requested with my wet signature and ID Verification.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I applied for a CITI Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Agent XXXX at titlemax did not read the disclosure about how the contract works. The Federal Truth In Lending Disclosure to be exact. Agent XXXX did not explain how the Finance charge process operates. The amount financed states the amount of credit provided to me because I am the one who extended the credit. Titlemax has violated the Truth In Lending Act Disclosure per United States code 15 1605 " Determination of finance charge '' additionally 18 U.S Code 1341 " Frauds and swindles ", 18 U.S.Code Chapter 47 " Fraud and False Statements, U.S.code 15 45 ( a ) " Unfair methods of competition unlawful '', 15 U.S.code 52 " Dissemination of false advertisements '', 12 U.S.code 1431 " powers and duties of banks ( But I am listed as the " Borrower '' which is false because the code states only the banks can borrow ) 1, 15 U.S.code 1611 " criminal liability for willful and knowing violation '', and title max is fined XXXX XXXX by Consumer Financial Protection Bureau XXXX  for " PREDATORY LENDING PRACTICES '' in Georgia, in which I abode.d.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION (NV)

My Nevada State Bank account ending XXXX and account ending XXXX, was frozen by Nevada state bank fraud department since XX/XX/2020. I have spoken to a person by name of XXXX on the phone who works at the fraud department. He verbally said to me over the phone that his vendor XXXX XXXX received complaints saying that I was calling clients pretending I was the bank to collect XXXX XXXX  payments. I have told him I would never do that if theres an issue it should be from my clients side and I will do my own research. The clients provide me proof of payments which Im adding to this complaint. I am feeling discriminated by this bank and XXXX because I am XXXX they are not taking any consideration but looking forward to closing my accounts and break my business relationship with them. I contacted all the clients that sent me the XXXX, and they are willing to provide me all information that is required. Please help me unfreeze my bank accounts since I really need my accounts back
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XX/XX/2023. XXXX  as of XX/XX/2023. XXXX XXXX XXXX as of XX/XX/2023
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (CA)

Once before, about three weeks ago, and tonight at XXXX XXXX PST XX/XX/2023, I received a phone call from a XXXX XXXX XXXX calling for Spring Oaks Capital ( a debt collection agency in XXXX, VA ) with her phone number shown as XXXX. She asked me to confirm my name and date of birth, which I did on her first call. When she claimed that I had a jewelry debt that I needed to pay to XXXX XXXX ( XXXX, Ohio, or some subsidiary outlet maybe in my neighborhood ), I told her that I don't buy or wear jewelry, never bought any, and I don't have a wife or children who might have done so. I hung up convinced it was a scam, not learning the amount I supposedly owed. 

On her second phone call, I extracted information about who XXXX worked for and to whom the debt was owed. When I asked her to state the amount, she refused if I didn't state my birthdate. I hung up again. Then I was advised to lodge this Federal complaint. 

Ten years ago I had a similar issue with a debt collector going after a man in my locale with the same surname without my middle initial. This is obviously a similar mixup. I looked up my name on XXXX and found three other men with my name, yet all were lacking my middle initial. She never stated my middle initial to me on her phone call. 

Should I email this memo to her collection agency with this information so they can straighten this out, at the same time, stating I have registered this complaint with you, the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency?
Consumer complaint received 2024-09-06
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. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, XXXX, XXXX XXXX, Discover, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX