davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions. it clearly says the term Consumer Report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So for any of the accounts on my credit reports that consists of late payments, charge-off 's, credit utilization etc. why is this information on my credit reports?
Consumer complaint received 2024-01-23
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (GA)

Hello, My name is XXXX XXXX. I have gathered the following information from my Equifax, XXXX, and XXXX credit reports. 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 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 ) ... all have violated my rights as listed below.

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 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION (GA)

I submitted a check to Regions Bank and I specifically spoke with someone who had confirmed that the check would clear after or at XXXX. I DID NOT CHOOSE DEPOSIT IMMEDIATELY. However, considering the past few months I am going to be honest about my experience with Regions of racism and discriminatory treatment. Ever since having this account I have been a last result problem solved. For instance I informed and filed many complaints about the fraudulent transaction that was being processed. I called and repeatedly emailed Regions the evidence that they requested. Regions fraud department has repeatedly denied receiving the evidence that they required. Also, Reguons bank has denied the request for the history of my account from XXXX XXXX to XX/XX/year>. I have had major fraud issues with my account and I have not received any explanation for the double transactions and how to understand why my bank statements have double transactions with different amounts. I went into Reguons Bank and the manager who contacted me said to bring everything in and they will look into the issue. Her name is XXXX XXXX XXXX XXXX. But back to the {$300.00} dollar deposit that was deliberately deposited before time and intentionally used for the hope that it would cause me go loose my account. I have phone records of my call in to ask and confirm the deposit WAS NOT IMMEDIATELY MADE FOR THE TIME BEFORE XXXX. This is a scam to my account and it is very suspicious to me that I talked with someone who confirmed my deposit would draft until XXXX. But I have paid {$420.00} to Rrgions who charged me for all the fraudulent activity. In one year Regions charged me {$1200.00} for overdraft fees. Also sent me to collections ruining my credit and had to come back and retract the dispute with my name being cleared. Every attempt to get help from Rdgions WAS ALWAYS ALWAYS IGNORED AND NEVER EVER GIVEN CONCERN FOR THE DISRUPTION OF MY ACCOUNT AND THE PROBLEMS WITH MY TRANSACTIONS. Also, having an apartment number included with my address and unfamiliar emails and outdated phone numbers. All the disputes were ignored exc for 3 of them and Regions Bank discrimination behavior was the reason why I didnt have any experience with them has always been put on the back burner. It takes 3-5 months for Regions Bank to investigate the matter with silence for months. This hurts and its painful, I have the evidence that the {$300.00} was in the account as it should have been to clear the transaction. Reguons Bank has ignored many complaints and charged me unreasonably fees because XXXX XXXX and have denied copies of the transactions that I had with them.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank took out over {$9000.00} out of my XXXXXXXX XXXX XXXX account to make a payment on my chase credit card without my permission. Chase is claiming I called them XX/XX/XXXX and made a payment over the phone. I NEVER called chase bank on this day and authorized them to process any sort of Payment out of my XXXX XXXX XXXX  account. Chase took a payment from me WITHOUT my permission.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I never authorized my XXXX information to be released to this debt collector. Because the XXXX  account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

Grant Mercantile has attempted to collect a debt which is not mine. They have been advised that this debt has been reported under identity theft and provided them a FTC report to support this information. The request was to have it removed as this is not my debt and do not have any other information to support this request for payment requested. They have been advised that I am formally requesting that this be removed from my credit report and provided them a copy of the document to support the request. The company has not advised when this will be collected and am asking for help as I want to get this resolved. 
The company has formally been requested to contact me in writting by mail. I do not want any verbal contact, emails and only want it by mail. This is my right per the Fair Credit Reporting act.
Consumer complaint received 2024-06-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (MD)

XXXX XXXX XX/XX/2024 Please reference CFPB # XXXX XXXX XXXX XXXX XXXX XXXX stated they sent me a validation letter on XX/XX/2024, and we are still in XXXXXXXX XXXX XXXX so these are the lies they tell Please have them delete this account ASAP.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (PA)

I am not responsible for this debt that's listed on my credit report. Diversified Adjustment place this on my credit report with giving a noti e to dispute which is a Volation of my consumer rights. This account shall he removed immediately.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 account opened at XXXX on XX/XX/2020 under the account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/2020 under the account number XXXX, a personal loan opened at XXXX on XX/XX/2020 under account number XXXX, and another personal credit card opened at XXXXXXXX XXXX on XXXX XXXX under account number XXXX. These accounts have resulted in fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (IL)

On the day of XX/XX/XXXX I was involved in a XXXX XXXXXXXX act whereas my boyfriend at the time refused to allow me to gather my items as i tried to leave the residence. After i was XXXX he than gave my items to his female friend. A few years later on the date of XX/XX/XXXX I noticed a few inaccurate accounts on my credit report. During the time this account was opened I had been in a XXXX XXXX XXXX XXXX and i had no access to outside and DID not create nor apply nor consent to any of the accounts owed on my credit report.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (OH)

Was contacted by Stafford group and associates Yesterday and today about money that I was unaware of owing for a set of tires from tire agent that I do not have they told me that payments were made until a fiew months ago I contacted my bank and they dont have any records of money taken from and accounts such as this one I think this is identity theft how do I get this issue taken care of???
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (OH)

About 6 years ago I have a XXXX in XXXX XXXX XXXX in XXXX XXXX My insurance paid the requested amount which XXXX $ with check After that I got a bill for XXXX $ XXXX talked to the hospital and I explained to them that They told me was a mistake then I started having collections agency calling me I been disputing that since then they removed on agent and it come the other So I got really frustrated about it
Consumer complaint received 2024-06-26
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: ACIMA CREDIT, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-23
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)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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. (FL)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-05-23
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. (NJ)

I am writing to convey my profound dissatisfaction with the ongoing presence of fraudulent accounts on my credit report. After reporting the identity theft, I immediately contacted the companies associated with these fraudulent accounts. They confirmed the legitimacy of my report and assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report, despite their inability to provide records. 
It is noteworthy that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I am puzzled as to why your bureau continues to verify these accounts when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX there was a {$500.00} zelle transaction completed that I did not authorize, shortly after that transaction occurred I received another email stating my password had been changed. I recently lost a device, so I'm assuming that's how someone was able to access my account. I immediately called Wells Fargo and let them know the situation and to dispute the XXXX transaction, They opened a fraud claim for the {$500.00} zelle transaction, closed the account, and I had another account opened. I also changed my username and password for the online portal. I received a letter in the mail today, XX/XX/XXXX saying I authorized this transaction when in fact I did not. I have a police report from when I initially lost my device and which included some fraudulent activity from another one of my bank accounts ( prior to the situation with wells fargo ). But of course, no one reached out to me asking for additional information. I requested additional information on what they used to draw this conclusion, but they can only mail it to me which is not a time frame i'm willing to wait for such a large amount of money with no resolution outside of some paperwork. PLEASE HELP!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (TX)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Paid off my XXXX card in XXXX, My statement cut XX/XX/XXXX. It is now XX/XX/XXXX and the card is still reporting as open and 97 % UTI when the card is paid off and has been since XXXX. I have called, disputed with the credit card bureaus and filled a XXXX report. A correction was made to one credit bureaus, but the other XXXX ( XXXX, Equifax ) have not. I have denied a home loan and a car loan due to the XXXX for this card pushing my income over the limit. I have called and emailed and got no response from the company. I need help with this issue getting my credit fixed.
Consumer complaint received 2024-05-23
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. (WI)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX