davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

My mom passed away XX/XX/XXXX, after which I was appointed by the probate of legal representative of her estate. on XX/XX/XXXX, received a letter from XXXX XXXXXXXX XXXX  office saying capital one N a journey has filed a claim against my moms estate for credit card debt owed. I immediately called the company got in touch with a representative asked questions about what the amount was. When was the account open? They provided me with that information upon further research. I discovered that the statue of limitation in the state of XXXX XXXX is XXXX years hence the credit cards open in XXXX for your statue of limitation expired in XXXX credit card opening XXXX for your statue limitation expired in XXXX when I called back XX/XX/XXXX I got transferred to several representatives for the company and the last representative said that she did not understand where I got my information for that. It is not on the website or its not her job to agree or disagree with the information I have she insisted I send her all the information where I got this research from I politely asked for her to send me all the documents regarding the two accounts in my mothers name so we can see what for the action we need to take. She did get very defensive and threatened that the documents might not get there within XXXX to XXXX business that she has no control over it and she kept repeating herself saying that I needed a legal representation when I told her that is something that I would think about she immediately stopped and asked if I already had legal representation she was very defensive falsifying documents trying to put blame on me that I did not reach out or Im not answering the phone so the blame game started. is it proceeded to inform her that every single conversation with her and all the representative from Capital One and a journey has been recorded is when she really calmed down and I informed her I will be happy to file a complaint against the company and self my advice to everybody is do your research before you call this debt collectors back and record yourself every time because the malicious false information and intimidation that comes from this representative is the reality of de collectors
Consumer complaint received 2024-08-18
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. (WA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an unidentified loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaints. I request that all written confirmation regarding this CFPB complaint be sent to me via email ( XXXX ).
Consumer complaint received 2024-09-26
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. (CA)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were discrepancies that seemed to come out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but unfortunately, the errors remained. Im deeply concerned, and I urgently request a thorough review of the documents Ive provided so I can stop worrying about this.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (MS)

On XX/XX/XXXX2021, I was told that I needed to pay XXXX as a down payment on a XXXX XXXX XXXX. I was also told that I had to have full coverage insurance on the vehicle before I can leave. I have reason to believe that the lender ( Global Lending Services ) willingly and knowingly took advantage of me and my consumer credit. Within the contact I found at least 10 consumer law violations.
Consumer complaint received 2024-09-26
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. (TX)

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2024-08-21
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2022-06-23
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: SYNCHRONY FINANCIAL (PA)

I have 4 unauthorized inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX hard inquiry someone applies for a loan over the phone 2-Sams club  XXXX hard inquiry someone trying to get a credit card 3-PayPal XXXX someone trying to finance online 4-amazon XXXX someone trying to apply for a credit card
Consumer complaint received 2023-03-21
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. (NC)

I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.
Consumer complaint received 2024-09-25
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-18
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. (WA)

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 U.S.C 1609. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A steaks 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 an account without my written instructions.

15 U.S.C. 16 81 c ( 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 mandates the report by more than 7 years.

15 U.S.C. 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (SC)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence. 

The following list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiries listed have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo did nothing about it even though I had nothing to do with any of it. When I realized that there were suspicious activities on my account I called Wells Fargo it was super early in the morning and I was told by the Wells Fargo rep that a new account would be opened and my account would be flagged and everything would be investigated. This was not my case at all as the days kept going by there were more and more suspicious activities on my account and the money that was for my XXXX kept vanishing before my eyes. As the days kept going on and more transactions were happening within my account I decided to get an update on where my case was. Come to find out the rep I had spoken with did NOT even set up a new account and once that was set up all the accounts were linked to checking and savings and the transactions kept taking more and more money from my hard work money which was all for my XXXX. Not only did I have to postpone my medical because of all of this. 

There were mobile deposits that I didn't make and to top things off those deposits bounced and I was charged for them all as well even after communicating with the Wells Fargo reps. 
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 There were XXXX : XXXX that were completed that I didn't make and I had called and communicated this to the Wells Fargo rep and I was told to trust them that they were taking care of it and that was not the case. 
Dates : XX/XX/21, XX/XX/21, XX/XX/21 There were also overdrafts on my account that happened due to all of the transactions that I didn't do. 
Dates : XX/XX/21, XX/XX/21 There were also transactions to XXXX and XXXX during this time. 
Dates : XX/XX/21, XX/XX/21 Though out the entire time I kept calling Wells Fargo to get an update and come to find out the account Wells Fargo wasn't doing anything about it they kept sending me from one department to the next and at the end of it all I was told that they would get ahold of me and time just kept going by and nothing was being resolved. Wells Fargo allowed all these suspicious transactions to take place and for me to go broke due to all the fees and all the transactions that kept taking my money. The reps I did deal with were not of any help at all.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CAPITAL ONE XXXX
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have an extended fraud alert with Experian that states to contact me for extra security however the phone number is wrong & theres no way to update this. Now Ive been denied for place to live & cant correct the problem this ridiculous cause you should be able to do it online or at least by live representatives
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I received a {$850.00} tenant deposit refund. I mobile deposited it into my checking account with Chase on XX/XX/2022. I was given an availability date, as that date rolled around my entire account was not working. My funds were frozen and about a month later or so, the account was closed. The funds still will not be released to me. According to the bank, they will not release the funds until the maker of the check will verify the check by a phone number with the company. Every phone number I have given the bank does not work for verification. The manager of the company went into our local branch and nothing she said/did or any of the numbers she had for the company would verify it through the system chase is using. I have been given multiple different answers on other ways to verify it but then the next person will say no so it wont work. I have called various times, the manager has done everything possible she can, chase still tells me they will not release the funds to me. This is a bill pay check, that now has changed company/management. The money is already out of the companies bank account and the check id cashed so Im not able to take it elsewhere, either.
Consumer complaint received 2024-08-17
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. (PA)

i noticed continued same banks inquiry fro XXXX XXXX XXXX XXXX, and again on XXXXXXXX XXXXXXXX, and again oXXXX XXXX XXXX, and again on XXXX from XXXX these are fraud and not authorized by me please investigate and remove
Consumer complaint received 2024-09-24
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. (CA)

My credit report shows that I have a late payment with target for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/year>2024 I scammed into XXXX zelle transactions, each for {$150.00}. Immediately after the transactions I realized that I was not getting what I was supposed to get and attempted to cancel the transactions but I had no option of doing so. I also called my credit union to tell them to cancel the transactions. They said they couldnt and I had to file a dispute for the XXXX transactions. The transactions were made on XX/XX/year>2024 then it was posted completed on XX/XX/year>2024 which I should have been issued a refund on because I called on the XXXX, the day before it was completed. I just received a letter from my credit union saying that I am denied my money to be refunded and that is absolutely wrong!! I should have the right to cancel a transaction that I immediately made aware of to my bank that it was wrong and that I want to cancel it but I never was given that option. I need my money back because that is all the money I have and being a homeless veteran, this will cause so many problems.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

Receiving bills during a time when I am considered " incapacitated '' and have been in and out of surgeries " since XXXX '' ( doctors note for XXXX XXXX XXXX attached ). 
And during this time, receiving Identity Theft notices and info about medical breeches from various companies. 
I lived at a different apartment complex at that time and was recovering from two surgeries, was on a knee scooter after that surgery ( using a walker currently ) and according to the date my bank says a check was attempted to be given at the leasing office. My personal emails and all info was breached and I even had to change physical addresses during my surgery recoveries.I even had to start sending my XXXX XXXX XXXX XXXX to my mothers home address in XXXX due to this event ( see attached as well ). 

I am still going through another surgery on XX/XX/XXXX ( next week ) but finally able to do a Fraud Report with XXXX XXXX on XX/XX/XXXX. The hack may have been due to the resident files that were stolen during a burglary in the apartment complex where I lived, called the XXXX by XXXX Management XXXX XXXX, TX ( XXXX referenced in complaint with CFPB # XXXX ). 

The XXXX reported the Burglary of the Building in XXXX, Case XXXX to precinct # XXXX to Detective Wall ( Phone XXXX ). 

The information I am giving is just a SMALL SAMPLE of the breach/identity theft issues I have endured, but wanted to al least send the state and federal proof so you do not think I am being dishonest about this. I deal with a permanent XXXX and this has been a nightmare for both me AND my creditors.