davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

My Experian account got hacked, and beyond notifying me that my account information had changed, Experian themselves has been totally useless. I've called many times and they won't help until they've confirmed my identity. I submitted my documentation weeks ago and they maintain that they can't find the documents. Meanwhile whoever accessed my Experian account has all the information they need ( my entire credit report ) to repeatedly gain access to my account in the future as Experian " verifies '' identity over the phone via the information found on your credit report. Because Experian 's security is poor I feel like an unauthorized party has permanent access to my credit report and I can't even get Experian to let me back into my account to try and secure/delete it. Also it's impossible to get any humans on the phone at this company.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX I am writing to formally dispute the reinsertion of information that was previously deleted from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

According to the FCRA, any information that has been deleted from a consumers file may not be reinserted without certification from the furnisher that the information is complete and accurate. I request that you provide me with this certification regarding the reinserted information. 

Furthermore, I have not received any written notice of this reinsertion within the required timeframe of 5 business days. Please provide me with : 1. A statement that the disputed information has been reinserted. 

2. The business name and address of any furnisher of information contacted, along with their telephone number. 

3. A notice informing me of my right to add a statement to my file disputing the accuracy or completeness of the disputed information. 


In light of the above, I request that the reinserted information be deleted immediately.
Consumer complaint received 2024-09-22
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

This letter is in reaction to your recent allegation that the bellow items have been verified the accuracy of the account they are reporting under my name. Please be reminded that you will be required to give a description of the technique used to determine the correctness and completeness of these information immediately upon receipt of this letters. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

To whom it may concern, I, XXXX XXXX of the XXXX of the XXXX family am writing you today as an aggrieved XXXX. My wallet was stolen which contained my driver 's license, social security card along with my Identity in XXXX. Several fraudulent accounts were opened in my name without my knowledge and or consent. I checked my credit report last night XX/XX/XXXX and noticed several unauthorized hard inquiries on my EQUIFAX credit report. The list of hard inquiries is as follows. 

There are also fraudulent addresses listed on my XXXX report. I have never resided at XXXX XXXX XXXX XXXX XXXX, OR XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX or XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove these fraudulent addresses from my report. 

There are also fraudulent accounts listed in my report. XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX BANK is a fraudulent account. XXXX BANK is a fraudulent account. Please remove from my credit file immediately.
Consumer complaint received 2023-06-10
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. (MD)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : CXXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX XXXX Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Dear CFPB, I am writing to file a formal complaint regarding a debt collection attempt by Fair Collections & Outsourcing related to XXXXXXXX XXXX XXXX. On XX/XX/year>, I was informed of a debt in the amount of {$6400.00}. However, despite multiple attempts to contact the company for verification, they have failed to provide sufficient documentation or validation of this debt. 

Immediately after being notified of this debt over 90 days ago, I reached out to Fair Collections & Outsourcing to request proper validation. They did not provide the necessary information to verify the legitimacy of the debt. In an effort to resolve the matter, I followed up with an additional request for validation, but again, they failed to produce any evidence supporting the debt of {$6400.00}. 

At this point, more than 90 days have passed without the creditor fulfilling their legal obligation to verify the debt. Therefore, I am requesting that this debt be deleted from my credit record due to their non-compliance with debt verification requirements. 

I kindly ask the CFPB to investigate this matter and take appropriate action to enforce the removal of this unverified debt from my credit report. 

Thank you for your time and assistance in resolving this matter. I look forward to a prompt response.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-22
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: EQUIFAX, INC. (GA)

RE : XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recognize the progress made in correcting my credit file, but some errors remain. As stated in my earlier complaint, unresolved inaccuracies will prompt me to involve my attorney for legal action. This message follows up on my previous complaint. To prevent further action, please adhere to legal requirements and remove the following unauthorized items : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. If you claim these items are correct and can be verified, provide documentation bearing my signature for these accounts. Without such documentation, I demand the immediate removal of this information from my credit file. You have 4 business days to remove any items related to identity theft. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NE)

XX/XX/year> - I missed a call from Citi saying there is a suspected activity in my account. I need to call them back. XX/XX/year> - I called them back and spent hours with customer service. She told me that the account was good to go. However, it was not accessible. My checking account vanished from my phone app and online portal. I called XXXX option # XXXX and then option # XXXX. I got to talk to a guy. He spoke to me like I was involved in a crime. I am not sure what kind of customer service Citi has. What I experienced was terrible. Today it is the paycheck day. I can't accee my checking account to see if I get paid. That is unbelievable. He wouldn't tell me what had happened to my account but asked me many questions. He told me that I was under investigation. What??? Is he a policeman? I was offended by his attitude. How can a bank customer service department treat their customer like this? I am super disappointed. I told him that I would complain. After whatever they are investigating, I will close my checking account and say " bye '' to them. I won't put a dime into this type of bank. They took your money and then investigated you. We are in a lawful country. They can't take people 's money from hard work like that. Over XXXX hours, I can't access my account. That is wrong. The bank can use this time difference to make money. Citi needs to train their customer service staff better. They will lose clients.
Consumer complaint received 2024-07-11
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. (NJ)

Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In order to REMIND the XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}.
Consumer complaint received 2024-07-02
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. (TX)

There has been multiple problems with credit monitoring bureaus correcting errors from multiple companies that incorrectly reported my accounts for collections. I have disputed the collections information with the collections agencies XXXX XXXX XXXX who states on my credit report they are the original creditor for a XXXX XXXX XXXX XXXX error balance {$800.00} after the creditor refused to close my account in XXXX and XXXX XXXX XXXX again stating on my credit report they are the original creditor, error balance of {$480.00} from a closed XXXX account near XXXX. XXXX XXXX error balance {$450.00} suspected from XXXX  XXXX and there has been collections errors from XXXX XXXX and incorrect information reported from creditors XXXX  and XXXX XXXX  XXXXThe credit bureaus companies XXXX and XXXX have made a mistake reporting incomplete collections information, the mistake is expected reported at Experian. The accounts and collections accounts have been disputed and removed before on multiple occasions, the creditors were allowed again to report incorrect information about balances, account status, and others damaging remarks to my credit report.
Consumer complaint received 2024-08-12
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. (IL)

As per the Illinois Collection Agency Act, all collection agencies conducting business in Illinois must hold a valid license to operate in the state. I sent proof to XXXX that XXXX XXXX does not have the proper license to collect in the state of illinois, and should remove this from my credit. 

I asked XXXX to respectfully remove creditone llc from my credit report until the collection agency 's licensing status are verified. I also asked for documentation to support the validation of this debt and the authorization of the collection agency to operate in Illinois. XXXX has failed to provide me this information, as well as removing creditone llc from my credit report.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (KY)

Tried to use the American Express Serve debit card by loading funds into the checking account on XX/XX/year>. Unfortunately, the account was prevented from being used by the register at a Family Dollar Store by American Express National Bank. It was later learned that American Express had blocked the card from being used but no information had been sent or received as to why. When a call was placed to American Express National Bank on XX/XX/year>, the statement from the representative was that the there was " an account limitation '' and that the account was " permanently locked. '' This was the only information given and was repeatedly told to write a letter to request the reason for the account being locked. At no point was information given on how to access the {$2000.00} already in the checking account. A letter was written and sent to American Express. In the meantime, there is no way to access the funds in the account to pay bills and there is a monthly fee being charged on XX/XX/year>, due to having a balance ( when the account has a {$0.00} balance, there is no monthly fee charged -- this is done most every month in order to save {$8.00} ).
Consumer complaint received 2024-09-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (CA)

On XX/XX/2024 my credit builder account was closed relating to the company XXXX. 
XXXX was quietly sold to XXXXXXXX XXXX XXXX and this.is where it goes to XXXX. 

They disabled the login page from the original Website. The website would allow a person to manually close and cash out their account. Once XXXX was sold this option no longer existed. It's like they were basically holding my funds hostage. 


I reached out about my remaining funds to support and they sent me an email. 
I've provided a screenshot of the email. The email states they already deposited the funds from my closed account. They didn't refund anything into my account. I've repeatedly told them to return my stolen XXXX . They keep brushing me off saying they already did. They sent me XXXX cents which is impossible because savings increments are made in XXXX and {$20.00}. How would I even have XXXX? I made deposits of XXXX $ for five months then stopped. That's a total of XXXX $ not XXXX cents. 

I've provided copies of my bank statements so you can verify there isn't a XXXX $ deposit from XXXX The only deposit you will see is some XXXX XXXX CENTS. 

Feel free to request my account records from XXXX or whatever it is now Thank you for your time in reviewing my case
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I noticed a credit inquiry from XXXX XXXX. I do not, nor have I ever had a relationship with this bank. I also haven't ever engaged with this bank for any of their products. 

I contacted the bank to get more information, they stated that they didn't have records of any accounts, requests, or credit inquiries from myself. 

I disputed the inquiry with Equifax and they declined to remove the inquiry. I was not able to find a reason as to why the dispute was denied.