davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (NJ)

n accordance with the Fair Credit Reporting act 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also st
ates a consumer reporting agency can not furnish a account without my written instructions What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraudulent reporting has caused me severe financial and emotional distress
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TEXAS CAPITAL BANCSHARES, INC. (DE)

Although my credit history is virtually perfect, I have been turned down from opening 5 year Certficates of Deposit at 2 or 3 banks within the past year due to a report that is unavailable to me. It appears to only be an inquiry from a bank with which I have never done business and is on my credit history with XXXX XXXX : Inquirer : TEXAS CAPITAL BANK ; XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/year> The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. 
Enclosed are the application copy, and adverse action notice copy provided by the source. 
Enclosed is a copy of the consumer disclosure report, which was created by using the identifiers provided to us.able to me at XXXX XXXX. 

The above is the ONLY thing I see on this report - a simple inquiry. I have a credit freeze on my credit files, but the XXXX XXXX report does not give any explanation of why this comment apprently from Texas Capital was negative. There is no reason stated in the XXXX XXXX report. Their employees are totally useless as when I ask, as they simply send me the same report copy saying it was only an inquiry. I have called that bank but never received any response after leaving messages. The email address on XXXX XXXX does not work.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Re : Re : Wells Fargo case number XXXX and XXXX ( old case XXXX dated XXXX ) -Here is evidence that I did not initiate 2 bill pays ( XX/XX/XXXX : $ XXXX and XX/XX/XXXX : $ XXXX ) Enclosed please find XXXX file for XXXX- my activity history ( XXXX ) XXXX In other words, I had not accessed my online account between XX/XX/XXXX and XX/XX/XXXX. 

-If you do not agree, please advise IP addresses, Device names, locations and date of time of those 2 transactions. I asked you before but until now, I hav n't got these infomation.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : NXXXX 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 XXXXXXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I cashed out of my crypto currency account. On XX/XX/XXXX2024, I initiated a transfer to my bank. After verifying my account and taking several XXXX XXXX  out, as of this date XX/XX/XXXX I have yet to receive my money or the money Coinbase took out to verify my account. I have lost other investment opportunities due to this. It does not appear to be legal to hold on to someone else 's money indefinitely and to keep telling that person, you will get your money tomorrow and that never happens. A bank transfer should not take more than a month.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kimball, Tirey & St. John LLP (CA)

XXXX XXXX, Debt Collector at Kimball , Tirey & St. John LLP called me to discuss a debt that she has been assigned to collect by a former apartment landlord of mine dating back to a XX/XX/year> move-out date. The debt collector acted subjectively, telling me my debt was low and fair. When I told her it was her opinion that the debt is " low, '' she got very bothered and hung up on me. Since then, she hasn't answered my returned calls. I have important information regarding my next steps on the debt collection - but no ability to contact her - this seems like a violation of the Rosenthal Fair Debt Collection Practices Act ( I am a California resident ) because she needs the information I have to communicate back to the debt holder ( landlord ) so that we can come to a resolution. Without my information, I'm not sure how that is possible.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-02-01
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. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-12-12
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (SC)

This company acquired my information without consent. Theyve since then transferred this alleged debt to a debt collection agency which is unlawful pursuant UCC 3-203 ( b ).

It is also charged off which is an certificate of indebtedness meaning it is income and it cant be reported onto my consumer report
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: CORELOGIC INC (OH)

Do you believe your company owns the promissory note and have the right to enforce payment from the borrower? 
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}? 
So how much does the bank have to loan now to legally on the promissory note? 
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note? 
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest? 
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments? 
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy? 
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest? 
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}? 

SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (WA)

The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX. 
I made a XXXX payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period. 

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report. 
today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late. 

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Consumer complaint received 2023-10-29
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: Experian Information Solutions Inc. (PA)

I filed a complaint with XXXX and CFPB after year of disputing the reporting of my credit acceptance account. 
This account reported as collections in XX/XX/2018, reported that way for 2 years at which point was reverted back to open a open and late status. TANKING MY CREDIT
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is unavailable to the people whose reports they mangle when we try to get in touch. I did so twice today. I logged in ( after getting a new password, not that my password did not work but transunion said it was " old ) and thus after logging in this pathetic ridiculous anti-consumer company twice said, oh we can't do this now .... PLEASE SEE MY UPLOAD. 

Furthermore, it is outrageous and completely off the wall that this company thinks it will be okay for people to use their XXXX account or their twitter ( now known as X ) account to log in. This is insane. I am certain because did not have a FB account and would not use my X account these imbeciles would not let me proceed to get their erroneous information corrected. 

they XXXX ) have an incorrect address I believe stating that I live on XXXX XXXX,. but it is not the accurate address and 2 ) I KNOW FOR A FACT THEY HAVE TWO HITS ON MY REPORT THAT SHOULD BE ONLY ONE.

Why has this company so unwilling to correct their mistakes?

This is whole thing is mindboggling you can't log in, yet I see erroneous info on another credit reporting company XXXX and ALL INACCURATE INFO IS BAD. 
Please help
Consumer complaint received 2024-07-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Sent a check on XX/XX/2024 XXXX didn't cash check but sent in late fee and interest When speaking with agent, they said bank refused check. 
Went to bank who wrote letter stating check was never presented. That letter and full explanation were mailed to comenity. Since, more interest, late fees and credit score impacts are ongoing.

4 more calls between XX/XX/XXXX and XX/XX/XXXX to agents who promised to escalate, dispute and address with the dispute department who won't speak to customers directly never fixed. The top supervisor is XXXX, XXXX XXXX has had this issue for several weeks and no action to date.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

At approx XXXXXXXX XXXX XXXX XXXXXXXX, my cell number, account, and XXXX account were stolen. I watched it scroll across my cell, then it shut off. I immediately call Bank of America, and 2 other cards, from my landline XXXX, notified them, and froze accounts. BOA rep said " You're in plenty of time, it takes 1-3 business days ''. I had no access to cell phone until it was restored by provider on XXXX. ( They provided a theft letter to me ). A charge was made on a Bank of America credit card for {$1600.00} to a XXXX XXXX XXXX. On XXXX, I went to local XXXX BOA XXXX spoke to rep, she called fraud department, gave me case #. During the next few days, I forwarded all info to local rep who mediated with home office. Got resolution letter that denied claim of theft/fraud, accused me of having " an overdraft that money covered, in another account under my name. '' I dont bank with BOA. Have filed complaint with XXXX ( have case # ), Consumer Cellular ( have letter ), FTC ( have report ), Internet Crime XXXX ( have report ), Social Security, 3 credit bureaus ( all are frozen ), now CFPB. Next is local police, OIG, and my state AG. My name, SS # and overall well-being as a senior citizen has been violated, and BOA is treating me as a criminal. Any account they say I have with them or XXXX XXXX ( who I have never heard of ) is false and needs to be shut down as soon as possible. My personal bank in my town XXXX XXXX XXXX XXXX XXXX XXXX handled the theft/fraud professionally, and I continue to provide them with info as I obtain it. This ends my complaint. XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a physical signature, for their inclusion. I recently engaged in communication with your organization regarding this matter, and I am formally requesting the swift blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial distress, as they inaccurately depict my credit history and obligations. Should this issue not be adequately addressed, I am prepared to initiate legal action to safeguard my rights and pursue resolution. The fraudulent entries on my credit record have impeded my capacity to accomplish crucial financial objectives, such as home ownership and fulfilling my family 's needs.
Consumer complaint received 2023-11-06
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. (PR)

In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Consulting Services, Inc. (CA)

Balance {$2000.00}, XXXX Original amount {$1300.00} Pursuant to 15 USC 1692 it is illegal for a collection agency to BUY a debt and come after the consumer for it I did not consent to this and the harassment. I do not know this company nor do I have any biding contract with my signature on it I ask this to completely remove from my credit report.