davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit, loans. XXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rent Recovery Solutions (TX)

I have reported this problem to you guys before in XXXX Claim number XXXX. The results we that military orders werent presented and that it shouldve been removed from the XXXX report as it was already removed from XXXX and XXXX reports Rent Recovery Solutions is still reporting as of XXXX XXXX to XXXX that have an open balance of XXXX on an account closed in XXXX
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

The incident occurred on XX/XX/XXXX. While I was at work, I received a notification from my banks app indicating that I had withdrawn {$4000.00} in cash at a bank counter. I immediately called the bank to close my account. Shortly after, I received an email from the bank. Through this email, I identified which bank branch had released my funds to a stranger without my authorization. 

The next day, I visited that bank branch. They processed my case and helped me file a claim. The bank manager also confirmed through camera footage that my money was collected by someone impersonating me. After this, I went to the nearest police station to report the incident. However, yesterday, I received a letter from the bank stating they are denying my compensation request.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days. 

Equifax refuses to block fraudulent items from my credit report. My credit reporting statutes must be enforced if sufficient information is provided under FCRA605b. Also, code 15 USC 1692g states no one can verify an alleged debt but the original creditor which is me ( XXXX XXXX XXXX ). There is also a medical collection on my credit report. or them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Implied consent was never given on my behalf. Therefore, my request is twofold validation of debt and HIPAA authorization. I have asked Equifax to validate the debt and received no response. 
I have attached proof the items were delivered successfully, and XXXX just refuses to support my credit reporting statutes. 

Equifax refusing to remove this information immediately is a violation of the following : Per public law 104-191 Sec 1177 this is a violation per 15 USC 1692e ( 2 ) ( A ) ( iii ), 15 USC 1694f ( 8 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( iii ), 15 USC1692 ( k ).
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

Comenity Capital Bank, which is part of Bread Financial. 
XXXX  XXXX XXXX XXXX  are issued by Comenity Capital Bank. XXXX ( TDD/TTY : XXXX ) obsessively calls regarding a delinquent account.

I filed a complaint submitted to the Office of the Attorney General - Texas in XX/XX/year> and am still receiving ongoing calls that might violate The Fair Debt Collection Practices Act ( FDCPA ) for the the Debt Collection Rule.

Here is the list of the most recent calls to my number on file with them : XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX XX/XX/year> XXXX CT ( XXXX ) XXXX This is just a list of the last 3 days worth of calls with many, many more days and weeks that follow the same pattern of harassment.
Consumer complaint received 2023-02-13
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
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 antedsates 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Formal Complaint Regarding Funds Held and Unresolved Claim Account # XXXX Cruises From XXXX XXXX XXXX XXXX 1 minute ago ) to cardinvestigations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Capital One Bank Customer Service Department Subject : Formal Complaint Regarding Funds Held and Unresolved Claim Account # XXXX Dear Capital One Customer Service, I am writing to formally complain about the unresolved issue regarding the funds held on my account in the amount of {$770.00}, which has caused significant financial damage and distress. 

On XX/XX/year>, I filed a claim with your department and submitted all necessary documentation to resolve the matter. Despite this, I was informed that the required information had not been received on XX/XX/year>, I resent the same documents XXXX additional times to ensure proper receipt. Each time, I was assured the matter would be addressed, but no action has been taken to release the funds. 

Furthermore, I was notified that an additional {$360.00}, which was also being held, would be released via check. However, as of today, I have not received the check despite your repeated assurances. 

This delay in releasing my funds has directly caused my credit to be damaged and has placed my vehicle in repossession status. This situation is unacceptable and has caused me significant hardship, both financially and emotionally. I trusted Capital One to handle this matter in a timely and professional manner, but the lack of resolution has been deeply disappointing. 

I request that you : Immediately release the {$770.00} being held. 
Provide the {$360.00} check that was promised but has yet to be received. 
Compensate me for the damage to my credit and the risk of my vehicle being repossessed due to this situation. 
Please acknowledge receipt of this letter and provide a detailed update on the status of my claim within XXXX  days. If this matter is not resolved promptly, I am currently escalating the issue by filing formal complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 

Thank you for your immediate attention to this matter. I expect swift resolution to avoid further legal or regulatory action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-20
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX2023
Consumer complaint received 2024-09-12
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. (TX)

I am asking for your support in resolving the issue of this false account on my credit report, which has negatively affected my reputation. Your mishandling has caused me significant harm, and I insist that this wrong information be removed immediately.
Consumer complaint received 2024-09-20
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. (MD)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

See the attached-I was penalized by XXXX points to my score for a credit increase of {$190.00}. But I was not award any points to my score when I had a credit decrease of {$420.00}. This hardly seems logical or fair. It's XXXX.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (MA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

I went on my honeymoon on a cruise and while in XXXX we purchased items. XXXX of the items was a store selling food. They are supposed to charge {$3.00}. and change or close to it. she ran the card, and I didn't think anything of it. After I got home, I realize that I was charged {$320.00}. I called the bank and informed them of the situation. The bank is asking me for a receipt. I don't have one ... who keeps a receipt for {$3.00}. The burden is not on me is on the merchant. They won't even look at it.
Consumer complaint received 2022-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).
Consumer complaint received 2024-09-20
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. (NC)

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.