davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (GA)

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.
Consumer complaint received 2024-08-13
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 (GA)

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Contributor : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Bank Name : XXXXXXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (WI)

Here are the pertinent facts, I recently obtained a copy of my credit report from myannualcreditreport.com, I have found numerous upon numerous problems and discovered identity fraud has been committed in my name. 

XXXX XXXX, my social security number is XXXX, my date of birth is XX/XX/XXXX. Contents of this complaint : This CFPB complaint has been filed in pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, 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 card opened at Best Buy on XX/XX/XXXX, unknown account number ; XXXX XXXX XXXX {$140000.00} ; the XXXX XXXX  XXXX XXXX XXXX XXXX account number XXXX unknown amount charge off ;, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, The XXXX- XXXX XXXX ;, opened XX/XX/XXXX, Department of education/XXXX  account opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy dated XX/XX/XXXX, XXXX XXXX Bankruptcy XX/XX/XXXX, XXXX  XXXX bankruptcy dated XX/XX/XXXX. There are a plethora of incorrect names, addresses in which I never lived, a massive amount of hard and soft inquires outlined on the next page NOT made by me. 

These accounts have resulted in many hard inquires and fraudulent soft inquiries appearing on my consumer XXXX credit report. I have attached a list of both the soft and hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT recognize the aforementioned accounts, collections, hard and soft inquires, addresses and names which I have never used. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard, soft inquires, bankruptcy filings, and other information are the result of identity theft and fraud. I have attached copies of the FTC identity theft criminal complaint # XXXX XXXX, & XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, mortgages, student loans, soft/hard inquires, names, addresses are all the results of identity theft and fraud.
Consumer complaint received 2022-12-03
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: PNC Bank N.A. (PA)

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
PNC mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NY)

For a full and properly formatted version of this complaint, I have attached a document titled SoFi CFPB Complaint that I urge the CFPB team to read first, even if just for the summary section. It explains the complaint, the incident, issues with SoFi, and describes the documents attached Please feel free to contact me at XXXX ( XXXX ) XXXX for any questions The following is the Summary of Complaint section from the full document Summary of Complaint : This complaint pertains to the following fraud dispute claim made with SoFi Bank ( SoFi ) : Dispute ticket # : XXXX made via phone on Tuesday XX/XX/XXXX The claim relates to 2 unauthorized, fraudulent transactions made using my stolen phone on XX/XX/XXXX amounting to {$5400.00} ( {$4700.00} + {$700.00} ). SoFi did not have the tools or staff available to prevent or stop the fraud, as Ill explain below, and the reporting of theft was only possible on XX/XX/XXXX, while the filing of a dispute was only possible on XX/XX/XXXX SoFi has currently fully restricted my account with no access to all my funds and refuses to lift the restriction until their investigation is complete by XX/XX/year>. In my view, SoFi is pushing all the risk and responsibility for their under-investment in debit card fraud division until they fully conclude the investigation, which I will be explaining in detail I kindly ask your help in lifting the restriction and urging SoFi to seek a fair and quick resolution to my case and issue a final refund I tried repeatedly to explain that this is a violation of CFPB policy to no avail, with no ability to escalate the matter to a US-based decisionmaker , as the back-office team is outsourced abroad and are unfamiliar with the CFPB and US laws The rest of the complaint ( in full version attached ) will provide details for the benefit of the teams at CFPB and SoFi about : - The fraud incident - Issues faced with SoFi - Currently available supporting documents and evidence
Consumer complaint received 2023-11-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank, the entity that holds the United Airlines mileage card, closed my account without cause. Upon inquiring, the reason given was that I had not used the card in 5 months ( end of XXXX - middle of XXXX, 2023 ). 

I have several thousands of dollars in United Airlines travel and this act is directly impacting my ability to earn miles. I learned of this farce as I went on to the United Airlines app to pay with my United Credit Card to upgrade my seats for the first trip, coming up on XX/XX/XXXX. 

I have been a card member for 11 years, I always pay my bill, I have auto payments set up so that there is never a missed payment and generally do not carry a balance or incur interest fees. That is the real reason they cancelled the card, they aren't making enough money on my use. 

Upon further discussion, as I explained my need to make a charge, I was told to " re-apply '' for a new card as the company would not reinstate the old one ( that had been cancelled for less than a month at that point. ) So, as a consumer with excellent credit, a history of paying my bills before they incur interest, a long standing customer .... I need to reapply for credit, thereby impacting my good credit score, so that banks like Chase can charge more interest? I am appalled by this lack of integrity and outright scamming that is happening by Chase Bank. FIX IT. 

XXXX XXXX Last 4 of card number : XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (PA)

I recently applied for Business Credit Card with Truist Bank and as the personal guarantor was denied however the letter says my score came from XXXX which said one thing however, I have XXXX Subscription in which I can see my XXXX XXXX and credit records Truist also claim I had Delinquent accounts I don't have Delinquent Accounts my account is in good standing also in the letter was no number for Reconsideration Department and Truist says proportion of balances to credit limits is too high on revolving accounts base on XXXX utilization score is 14 %
Consumer complaint received 2023-11-16
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. (IN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I hope this letter finds you well. I am writing to inform you that I have recently fallen victim to identity fraud. Unauthorized accounts and transactions have been made in my name, and I am working diligently to resolve this matter. 
I have taken immediate steps to prevent any further unauthorized activity. This includes placing fraud alerts on my credit reports, freezing my credit, and monitoring my financial accounts closely. I have also reported this incident to the relevant authorities.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom it XXXX Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because l need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you,
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (CA)

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-26
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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX 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 XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 2024-07-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OK)

I switched from XXXX to XXXX XXXX XXXX XX/XX/XXXX -. XXXX later took out {$1400.00} from bank account XX/XX/XXXX. I had access denied online to view detailed report of account to see what I was charged for. When I called XXXX directly they said to just go through my account- Which i stated i did not have access as i no longer had an account. They stated I owed the money- I said please send an itemized description by mail to show what the debt was for. They began to tell me over the phone and i stated again, please send this in writing. They said ok i will receive within 7-10 business days. In the meantime, I disputed with my bank on the charge. I never received documentation from XXXX on a detailed itemized list of what the charges were for and my bank after 45 days also did not receive any communication from XXXX stating it was my debt so my bank closed the dispute and I was able to keep the {$1400.00}. A month later i began to receive emails stating i still owed XXXX with the amount of {$1400.00} and only that amount. Nothing else shown as to what the debt was for, no itemized list. They then charged off the account and sold to third party XX/XX/XXXX who is now trying to have me process for a payment of 40 % less to settle. I still have not received any documentation of what the {$1400.00} is for and why I was charged for this amount.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

On XX/XX/ 2024 I received a notification from XXXX XXXX  as well as the three credit reporting agencies that I had new information on my credit report. After reviewing my credit reports I saw that a new collection had been added to my credit report which is not mine. I was never previously sent communication via mail from this collection agency regarding this debt. This debt just randomly showed up on my credit reports and lists a date of XX/XX/2024. It lists the company as XXXX XXXX XXXX. I have not had an account with them. I tried disputing this information on XX/XX/XXXX & XXXX, 2024 through all three credit reporting agencies and their findings showed that the collection agency said this was a valid collection. That is not true and this needs to be removed immediately.