davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. Capital One admits to having no physical or electronic signature and admits that is only Capital One 's " belief '' that the account was created by me. Capital One has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, Capital One continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the Capital One account for over 6 months while Capital One was attempting to collect so I asked Capital One for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, Capital One charged off the account which lead me to believe that Capital One was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Capital One need cease & desist, remove all derogatory marks & publishing ( XXXX ) of account on my credit report especially with XXXX credit reporting. XXXX claims the information is not on my credit report yet XXXX is the only company continually reporting the info for which I am disputing.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Phillips & Cohen Associates, Ltd. (PA)

I sent them this letter, this is whats going on now I never received anything from court for XXXX XXXX. By the time I received anything it was from this third-party company that XXXX XXXX hired they were already awarded from the courts Because I was not able to show up and defend myself because I didnt know about the hearing. Once I receive this letter in the mail, I filed an appeal immediately the third-party company is called PCA Acquisitions V , LLC XXXX I did not give permission for any of my personal information to be disclosed to this third-party company, and I wish to be compensated from this company as well as XXXX XXXX for violating my rights which I have disclosed in this letter below while I wait on the appeal to go through. 

To whom it may concern XXXX XXXX. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, & XXXXXXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. 

XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-23
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: DISCOVER BANK (MD)

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have Bank Of America credit account and I've been paying for it without an issue. 
in XX/XX/year>, account was closed suddenly without letting me know. 
I've tried to open new and reopen closed XXXX but they all was revoked by credit grantor. 
the very recent application was applied by XXXX of associate in BOA office. 
it was also reject but with new reasons. 
none of the reason make sense and not fit my situation. 
I've talked to BOA credit account dept and credit report companies such as XXXX, but they did not have any idea. 

i also tried to open new account in XXXX by Online, but it was rejected also.
Consumer complaint received 2024-08-29
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. (CA)

Transunion credit agency won't remove my collection keep saying we verified yet I wasn't provided with the debt validation documents I have requested. If they can't provide the documents within 30 days, the collection should be removed from my credit report To whom it may concern Please send me a debt validation claim per 15 USC1692G 1 I want you to send me a full detailed list of payment history on this account.

2 I want you to see the original signature that I agreed to on the contract with the creditor.

3 has it been any insurance claim found on this debt 4 I want to see the claim of Title that you have to collect on this debt.

Please provide all the documents within 30 days or please remove it from my credit report.

Thank you
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

To whom it concerns, Early Warning Services LLC, Does not allow me to login to the consumer portal. Instead when I attempt to reset the password it tells me " Access Denied '' I was sent an email telling me my password reset was denied. To call. I am not sure why it was denied, and I am using my correct email. I am a victim of identity theft, and Early Warning Services LLC, Has several accounts reporting that I did not consent to nor open. These accounts were opened by an identity thief and Early Warning Services, Was sent a Police report, and Identity Theft Affidavit, and Early Warning Services still denied blocking the fraudulent information. I did not fill out any account application. Nor did I provide any of these companies with Identification or account signature. Early Warning Services refuses to let me access my Consumer report also. Which I should be entitled to because of the fraudulent information being reported on my Early Warning Report. However they will not allow me to login. I have not applied for nor utilized any accounts with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX. These accounts were opened as Identity Fraud, along with XXXX XXXX XXXX XXXX. I want these accounts blocked from my consumer report. As a victim of identity theft. It is my right to request for the information being reported due to the theft / fraud to be blocked. I have attached a Police Report and Identity theft Affidavit, and I am requesting these accounts to be blocked and for Early Warning Services to provide me access to view my consumer report online again. These accounts should not be reporting on my report, as I did not grant them access to open these accounts to begin with. I did not provide my identification to these companies, and I have not received any monetary benefit or service from these accounts.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I am filing a complaint against Wells Fargo Bank for the unjust closure of a joint account I hold with my XXXX mother. I have been managing her finances responsibly under a valid Power of Attorney ( POA ) and joint account, ensuring her funds are handled in her best interest. On XX/XX/year>, I attempted to order checks for the account and was informed that Wells Fargo intends to close it in XX/XX/year> for undisclosed business reasons. Despite multiple attempts to seek clarification, the bank has refused to provide any legitimate explanation. This account is critical for managing my mothers day-to-day expenses, including utility bills, insurance payments, Social Security disbursements, credit card payments, and pension funds. I am particularly concerned that this closure may be linked to a false or unfounded allegation of financial misconduct. Wells Fargo previously provided documentation that led to a private investigation involving a detective from XXXX XXXX Police Department and an official from the XXXX XXXX  XXXX XXXX. These allegations were dismissed once it was revealed I hold a valid Power of Attorney over my mothers finances and acted solely in her best interests. It seems Wells Fargo is now attempting to distance itself from this situation and their mishandling of the investigation. I have always managed my mothers finances with diligence, including moving funds to a higher interest-bearing account for her benefit. I fully cooperated with inquiries from XXXX XXXX XXXX, providing all necessary documentation, including the POA. Wells Fargos decision to close the account, without properly freezing or investigating the matter, raises concerns that they are attempting to avoid legal responsibility rather than addressing the issue transparently. This closure will disrupt my mothers financial stability and may lead to missed Social Security payments, unpaid bills, and late fees. The lack of sufficient notice would also result in substantial financial hardship, as my mother could be subjected to late fees across multiple institutions. Furthermore, it may prevent her from accessing necessary records for IRS reporting. I respectfully request the investigation of Wells Fargo 's actions and order the bank to keep the account open. I also request that Wells Fargo be required to provide all paper records of the accounts to ensure proper financial reporting to the IRS. An explanation for this closure is necessary, along with assurance that both my mothers and my rights are protected. Thank you for your urgent attention to this matter.
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: DIGITAL FEDERAL CREDIT UNION (CA)

I am writing to file a formal complaint regarding a fraudulent account that has been inaccurately reported on my credit report. I am a victim of identity theft, and this account does not belong to me. Despite my attempts to resolve this issue with the creditor, they still have not taken appropriate action to remove the incorrect information from my credit report. Below are the details of the disputed account : Creditor Name : XXXX XXXX XXXX XXXX : {$5900.00} I have included the following supporting documents to substantiate my claim : Federal Trade Commission Identity theft report, XXXX police department report, credit report with the incorrect fraudulent information highlighted in yellow and proof of my identity, Copy of section 605B of the Fair Credit Reporting Act and Copy of CFPBs Notice to Furnishers of Information.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the inaccurate account information is removed from my credit report promptly pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and section 605B of the Fair Credit Reporting Act. Thank you for your assistance.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I submitted a dispute on Experian for account XXXX XXXX XXXX XXXX XXXX, I stated that I was not late for the month of XX/XX/2024. On XX/XX/2024, the Account came back as " XXXX ''. A noticeable change was that now XX/XX/2024 is reporting as NO DATA and now XX/XX/2024 is reporting XXXX  days late. Which is not only inaccurate but all they did was just put the XXXX day late payment in another spot in an effort to not have to remove it. This very scenario has happened multiple times before on various accounts. If there was a true investigation done, the late payment would have been removed. But like always, to get rid of me as soon as possible, Experian makes tiny little insignificant updates to make it look like they did something, when in fact there was no investigation. At this time I demand a reinvestigation, an honest and thorough investigation. After all it is my right as a consumer to request a complete and accurate credit file. According to FCRA XXXX. XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a XXXX XXXX XXXX when such information was obtained directly from a creditor of the consumer or from the consumer. Please XXXX Investigate this account and if it is incomplete, inconsistent, blatantly inaccurate, or unverifiable in any way, the account in question must be removed from my credit report. I greatly appreciate you attention to this matter.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (OK)

The Bank of Oklahoma in violation of 15 USC section 1 and 2 utilized unfair practices to cause the respondents account to be delinquent. Bank of Oklahoma through credit discrimination utilized private information i.e., email to commit wire fraud in order to place the respondents account delenquent with XXXX XXXX to obstruct and impede trade and commerce. Bank of Oklahoma subsequent openn8ng of secured credit card to build credit inappropriately used the respondents information to cause harm and injury through the utilization of XXXX XXXX to deny further usage of the Bank. The bank using unfair practices misused the respondents information to leverage account and deny utilization of any other bank given the complaints ignorance. Furthermore, Bank of America using a third-party debt collector charged of accounts without providing the repondent with 1099 A, 1099B, 1099C, or 1099OID. Bank of Oklahoma breaching the contract by data breach placed the plaintiff in a compromising position. Moreover the Bank failing to take the proper precaution to protect the consumer cash a fraudulent check after using the complaintaints information to disguise as a opprotunity to nake extra money as a car wrap company. Equally important under HJR 192 there is no money and only unlimited credit which the bank intending to oppress and suppress complaintant demands the debt to be paid with a debt after using the respondents social security number to benefit and enrich Bank of Oklahoma. Bank of Oklahoma being responsible for the delinquency demands payment after breaching information to obstruct commerce. The bank using the respondents XXXX XXXX XXXX XXXX XXXX under the Social Security Number requires payment after failing IRS forms to charge off the account. Bank of Oklahoma using XXXX XXXX to obstruct the life, liberty, and pursuit of happinessmisappropriate tgeir fadicuary duties to hinder Power of Attorny over the account to disallow respondent tge ablity to utilize Other Peoples Money ( OPM ) to benefit the posterity and prosepeety of African-American Bankers. Bank of Oklahoma being aware there is no money reportedinformation to XXXX XXXX unfairly to disallow future utilzation of the bank after coming into the knowlegde of banking and trust after applying for secured credit card. The Bank of Oklahoma using unfair bank practices to obstruct growth of XXXX XXXX used a third party collection agency XXXX XXXX  ) to collect a debt. In addition, both the Bank and third party reporting agency using unfair practices in violation of tge Fair Credit Reporting Act reported the debt a charge-off through the third-party agency after causing the delinquency. Bank of Oklahoma in violation of tge Fair Credit Reporting Act Section 609 provided information to a third-party debt collector without permissible purpose