davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ---
Consumer complaint received 2024-09-06
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX has listed remarks on my credit reports that are not accurate. XXXX XXXX  made a remark on my reports that the account with them was charged off for two consecutive months in XXXX, those months are XXXX and XXXX. I requested a debt validation with XXXXXXXX XXXX  but they did not provide me with any proof of late payments to charge off the account.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (HI)

I have had a credit card account with Citibank since XXXX. This year during some research into the company 's operating structure as it pertains to credit card accounts, I read through their SEC filings ( prospectus reports, XXXX and XXXX forms, Trust indenture agreement ) and learned that not only was my account sold into a Trust as a receivable which makes me a direct investor in their company, but I also have an open-ended revolving credit account which Citibank has fully benefited from while imposing limits on my end of the barter ( setting credit limits and spending caps ). I looked at my IRS transcripts and learned that they have not filed any kind of 1099s pertaining to our bartering, which made me even more curious after learning that they sold my application into a Trust along with a pool of other accounts ( meaning that they received a healthy OID payout at some point ). Learning my position as investor VS consumer, I went further in my research and discovered that according to 15 U.S. Code 1666d, any credit balance > {$1.00} is money owed to me and I have the right to request it, and as of XX/XX/XXXX, that's what I did. I wanted to settle the debt obligations on my account by properly stamping and endorsing ( pursuant to 31 CFR 328.6 ) the instruments that Citibank was sending me with my monthly statements and informed them that this is how I wished to do so moving forward. To protect myself against potential retaliation, I made sure to have two witnesses and a notary sign a letter that I sent to Citibank revoking any POA they held regarding handling their fiduciary duties in managing my account without my direction/consent ( including the power to close my account without prior notice ). In retaliation, they closed my account and shut off all services connected to me using my credits and credit card and won't allow me to redeem the current balance that's owed to me, so I'm paying the debt obligation from my bank account to avoid elevated interest charges. I went from having XXXX credit score to now being in the low XXXX 's, all because I wanted a fair barter relationship.
Consumer complaint received 2024-09-02
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. section 602 A states I have the right to privacy.

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.

U.S.C. 1681 c ( a ) ( 5 ) section states to consumer reporting agency may make any consumer report containing any of the following items of information. Any offense adverse term of information other than records of convictions of crimes with antecents to report by more than 7 years.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXXXXXX XXXX  to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. 

THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I HAVE JUST received A response back from resurgent receivables regarding the collection there reporting on my account I SPECIFACLLY ASKED THEM TO PROVIDE PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY RESPONDED BY SENDING ME A STATEMENT WITH TRANSACTION HISTORY THAT IS CLEARLY NOT WHAT I ASKED TO BE PRESENTED Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between LVN Funding LLC and the original creditor that outlines your authority to collect this debt. 

Please consider this letter as my formal request for you to cease all collection activities until this debt has been properly validated. Furthermore, I demand that you immediately remove any and all inaccurate information that you have reported to the credit bureaus concerning this alleged debt. Continuing to furnish this disputed and unverified information would be a direct violation of federal law. 


LASTLY IF THIS IS CONSIDER A CHARGE OFF OF DEBT AS RESURGENT RECIVABLES HAS STATED WHERE IS MY IS MY 1099C PER THE IRS A CHARGE OFF IS considered INCOME HOW CAN INCOME BE reported TO THE CONSUMER REPORT
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (NC)

I have called several times and had no answer. I have never heard of this company that's claiming I owe {$1300.00} I checked their reviews on XXXX and 100 's of people are saying the same thing I am. I don't owe them money and they are reporting to my credit anyway.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for an auto loan with Capital One, and they checked my credit multiple times. Since I couldn't access my application, I resubmitted it, thinking it hadnt gone through. Additionally, some other companies claimed they wouldnt do a hard inquiry but ended up conducting one anyway.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

My Name is XXXX XXXX and I live in NJ. I sent resident of Florida {$500.00} via XXXX XXXX XXXX XXXX XXXXXXXX XXXX to his Wells Fargo account on XX/XX/year> with sucess. The next day I wired {$11000.00} to his account at Wells Fargo via a regular bank wire. He gave me his " old Account '' number so my bank recalled my money and have beeen holding it for 28 days!! 

My bank has explained that Wells Fargo has the money and is holding it. Wells Fargo refuses to talk to me because I am not an account holder. The gentleman who has the account has contacted Wells Fargo several times and says the money is on " a hold ''. I would like to file a complaint at this time- They are holding my money without my permission. {$11000.00}. I have also filed a complaint form with the FTC. please help - my cell number is XXXX
Consumer complaint received 2024-07-29
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion for their persistent refusal to remove fraudulent accounts from my credit report, despite multiple attempts on my part and submission of all necessary documentation. As a victim of identity theft since XXXX, I am protected under 15 U.S. Code 1681c2 ( FCRA 605B ), which mandates consumer reporting agencies to block information identified by a consumer as resulting from identity theft and to notify the information furnisher accordingly. 
TransUnion has failed to comply with these legal obligations by refusing to delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$91000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX : XX/XX/XXXX, XXXX : {$78000.00} XXXX. XXXX XXXX XXXXAccount Number : XXXXXDate : XX/XX/XXXX, XXXX : {$560.00} XXXX. XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$2000.00} XXXX XXXX XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2100.00} In response to my inquiries, TransUnion has sent numerous stall letters and has failed to take action despite my submission of identity verification documents, police reports, and all relevant information supporting my claim of identity theft. Additionally, there are incorrect or fraudulent accounts associated with these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau intervene promptly to compel TransUnion to comply with federal law by immediately removing these fraudulent accounts from my credit report. I also request an investigation into TransUnion 's handling of identity theft disputes to ensure they adhere to regulatory requirements designed to protect consumers. 
I appreciate your prompt attention to this matter and look forward to a resolution. 
Thank you for your assistance.
Consumer complaint received 2024-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent collection letters for XXXX collect shipments ( XXXX around XX/XX/year> and another we received on XX/XX/year> ) from XXXX XXXX which we did not book or receive. Not just for actual alleged freight costs of {$XXXX} and {$XXXX}, but for a total of {$XXXX} and change. We responded that we do not owe it and denied the debt was legit. In addition we requested to see the contract agreement with XXXX XXXX  and XXXX XXXX XXXXXXXX which would need to be signed by me. Also my social security number or XXXX. Of which they were unable to provide any.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint against XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX  XXXX have resulted in undue harm to my financial reputation and stability.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a text message and an email saying that my account will be closed. I called the compliance team and also spoke with the executive group complaint committee and was told both times that chase has the right to close any account without giving a reason at any time. If they close my account, I was told that I am no longer allowed to bank with them so I really want to fight this.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is knowingly reporting inaccuracies that were already removed from my credit report which is completely illegal I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presue that no proof of the alleged debt with XXXX XXXX XXXX nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

I noticed that my check was garnished, I reached out to my employer, and they told me that my check was being garnished by the law offices of XXXX XXXX XXXX for a debt owed to synchrony bank. I called the offices of XXXX XXXX XXXX to ask why they garnished my check without informing me, they proceeded to tell me that they served a woman in my household from the ages of XXXX in 2021 with this suit although no one in my household is of this age Nore were there any females living in this Houshold during that time or any time after and the notes that the offices of XXXX & XXXX XXXX they did not collect a Name of who this was served to just said a woman ages XXXX, I was never made aware of this suit nor was I legally served and now my check in getting garnished 20 %.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

On the morning of XX/XX/year> at about XXXXXXXX XXXX, I used my XXXX XXXX debit card to attempt to make a withdrawal from a wells fargo atm in the amount of {$340.00} dollars, ( {$340.00} with the atms fee ). I was then promoted with a yellow message on the screen that read " unable to complete transaction ''. But upon checking my mobile app the amount of {$340.00} was successfully debited from my account without actually receiving the funds. I tried contacting the number the atm gave me to have them check to see if the atm balanced. They told me it was an issue with my bank and not the machine. I submitted a claim with my banking institute immediately.
Consumer complaint received 2023-07-24
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. (AR)

In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned 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.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (KY)

I just happened to look at my credit report today and there is a collection account reported on my XXXX XXXX file for a Zions Debt Holdings that I've never heard of. They are listed as the original creditor and that the account was opened XX/XX/XXXX. 

I've never received any communication of any kind from this creditor. No phone calls, no emails, no XXXX mail, or certified letter. 

I've filed a dispute with XXXX XXXX as of today 's date, XX/XX/XXXX- which is the day I learned of this nearly XXXX XXXX XXXX collections account. 

I believe this to be a fraudulent debt, since they have listed themselves as the original creditor and I've never entered into any agreement with this company. If they are a debt collector and have purchased the debt from another company, they have not disclosed who it is and are not correctly reporting a debt collection attempt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NH)

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 credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at LVNV FUNDING LLC on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.