davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. The Protecting Veterans Credit Act of 2017, which was passed by Congress in 2018, requires credit reporting agencies to remove information about veterans ' credit reports that relates to debts or collections I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
The FCRA
Consumer complaint received 2018-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

On my XXXX credit report # XXXX appeared a fraudulent Bank of America account # XXXX opened on XX/XX/XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the inaccuracies attached on the letters.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX XXXX XXXX XXXX. And debt cards. XXXX XXXX two cards. XXXX XXXX. XXXX XXXX XXXX and bank of America card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to XXXX credit b4 now in lower XXXX range. I'm not going to pay a XXXX  to these credit cards. That I did not run the credit up on. Thank you for your help
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NY)

This is a follow-up complaint from my two previous complaints ( XXXX and XXXX ). 

A fraudulent actor applied for a credit line with OneMain Financial with my personal information on XX/XX/XXXX. I do not have a relationship with OneMain and never applied for a credit line. 

In the prior compliants, OneMain instructed that I fill out an Identity Theft form and file a police report. I did both of these and mailed the documents to OneMain Financial on XX/XX/XXXX. 

I have not heard back from the company, so I am filing another complaint as a follow up. I am also attaching the identity theft form and the supporting documents, which include my drivers license and proof of residence ( they do not match the applicant 's credentials ), as well as the confirmation slip I received from the police station ( XXXXPD ) after filing the police report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or a list of inquiries : 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 2023-06-08
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-12-28
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. (TN)

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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MA)

I made an account at XXXX to verify my credit history. A day later, I started receiving marketing messages from Experian. The first offered me an opportunity to boost my credit score with " Experian XXXX '', ostensibly a credit repair product. The second told me to review my " financial profile '', some other Experian product pushed to me without my consent. 

The problem is that when I opened the messages to find an unsubscribe button, there was none. In its place was the following text : " This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. '' The messages I received contained no important information about my account. They were ads for Experian products I don't want. I was able to manually log into Experian and change message preferences, but the lack of unsubscribe button on marketing messages is definitely not legal.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Dakota Financial, LLC (TX)

DAKOTA FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX I didnt applied for anything from this company but they checked my credit score.

I want dispute the enquirer as soon as possible
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (GA)

It shows an address of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an address that I have never lived at in a town that I never lived in. It shows as living there from XXXX of 2023 to XXXX of 2023. I was and still live in XXXX XXXX.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (PR)

Since Hurricane Maria, I had financial problems. I have tried to make payments, but it is abusive that they are calling Sunday to try to make payments
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (LA)

On XX/XX/year> tracking shows the company received my debt validation letter & I requested they provide the documents via email. I received an email on XX/XX/year> stating the documents were attached but there was no link provided. I replied informing the company that the link provided was inactive and I have not received any responses regarding the matter.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/year>, I received a text message alerting me to possible fraud on my account. When I called Wells Fargo, the call was disconnected. Shortly after, I received a call from someone claiming to be from Wells Fargo, but turned out to be a scammer. The person went through my transactions and asked me to use XXXX. Although I initially thought everything seemed legitimate, when he asked me to use XXXX, I became skeptical and logged into my mobile app to verify. Despite the seeming legitimacy, I hesitated when he asked me to use XXXX and ultimately did not proceed. As soon as I refused, the call ended and my money was gone. 



Afterward, I called back the number that had previously called me, and it appeared to be a genuine Wells Fargo number with their prompt. However, I was suspicious and decided to hang up and search for Wells Fargo 's customer service number online. I have been in touch with multiple Wells Fargo representatives since the incident. On XX/XX/XXXX, I called to inquire about the status of my claim and was informed that it had been denied. When I called yesterday to ask about resubmitting the claim, I was told it would also be denied. 



Despite my loyalty to Wells Fargo, I have not received any satisfactory assistance, and as a result, I have decided to contact the Consumer Financial Protection Bureau ( CFPB ) for help and have also filed a police report. I hope to recover my lost funds. This situation is distressing, especially since it is the second time I have encountered fraud or a scam involving Wells Fargo. I genuinely need help, and I am grateful for any assistance. 

XXXX XXXX
Consumer complaint received 2023-06-16
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: Colony Brands, Inc. (FL)

NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank Credit card had a promotion balance transfer. I used the card for a purchase XXXX the transfer. I paid the minimum monthly required for the balance transfer AND. paid addition to covert the purchased Plus the interest occurred from the day of the purchase. Payment was applied to the 0 % balance and NOT the 21 % purchase balance. was told it was on their descression. The purchase was occurring interest form the day of the purchase so by the CARD act any over payment should go to the higher balance. IT did NOT.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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.