davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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)

I am writing to formally request your assistance regarding a violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Upon reviewing my XXXX credit report on XX/XX/2024, I discovered several inaccuracies and incomplete entries. The affected accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies violate my rights to privacy and confidentiality under 15 USC 1681, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in their reports.

Under 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), after any reinvestigation of disputed information, if an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) requires that furnishers of information must not provide any information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

I request that the CFPB investigate this matter and ensure that the inaccurate and incomplete information is corrected in accordance with the FCRA. I would appreciate confirmation of receipt of this letter and information on the next steps in the investigation process.

Thank you for your attention to this matter.

Sincerely,
Consumer complaint received 2023-07-21
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FLXXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

My issues are that, XXXX. I can't access my account by phone or the internet for the last three weeks. 
XXXX. I've called several times and has been told Oh, your lock out or they need to reset my login still not able to access my account a few minutes later. 
XXXX. My phone number was removed for all my notification meaning if fraud happening on my account I would not be notified. 
XXXX. I can't receive any text to reset my password or to log into my account. 
XXXX. When I try to call the automated number, the automated system tells me that my information can't be found for this account.
Consumer complaint received 2023-06-17
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. (NY)

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. XXXX XXXX - Unauthorized Inquiry 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 premission 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 2024-04-20
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: Experian Information Solutions Inc. (DC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FISERV INC. (NC)

We signed up for XXXX XXXXFiserv/First Data Merchant ServicesXXXX XXXX in XXXX XXXX XXXX XXXX At that time they sent us a terminal to process cards, However the terminal failed a short time after. We attempted to contact FDMS multiple times to resolve the issue, but their customer service department has over 2 hour hold times, My last hold time was XXXX hours. So we stopped using the device as it was inoperable. On XX/XX/XXXX we received 1 phone call that was labeled " potential spam '' so the calls were declined. We received the following phone calls after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these calls were answered with the exception of XXXX, where we spoke with a woman named XXXX XXXX in their `` collections department ''. This conversation lasted 39 minutes and 49 seconds. Our initial point of the conversation was trying to understand who was actually calling as they go by several business names which was part of the confusion. Furthermore we discussed the charges as this was the first notice we have received that there was an outstanding balance, We received no notices by mail, email, or by phone until the spam risk phone calls began. The balance owed was all listed as miscellaneous fees and they were unable to advise much further into that. We explained that we disagree with the balance as we haven't been able to use the service since XXXX of XXXX and there have been very little activity on the account, I explained to her the situation and she advised me to contact the customer service department, We also requested the account to be closed, She advised that I would have to contact customer service, but fees would continue to occur on the account regardless. She transferred me to XXXX XXXX customer service. after a long hold time I decided to proceed with the call back request. 2 and a half hours later we received the call back. The agent advised they would work on sending me a new device, I advised once we had a working device, we will be more than happy to pay the debt owed minus the misc fees that have been accruing. I was told he was going to send a support ticket, We have not heard anything since that day. After the 3 phone calls received on XX/XX/XXXX we called them and asked them why are they calling and explained we were waiting on a response from their customer service department. She advised she had no record of the conversation. So we advised we would be filing a complaint to the proper agencies and asked them to remove my number from their file and to not contact my cell phone number again.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/year> a request for An emergency money transfer in the amount of XXXX with bank of America Edd Unemployment benefits was an error in my name spelling preventing me the ability to pick up the funds had to call boa back and was told i had to wait 45 days from that day to receive the funds back into my account. I called everyday for the first 2 years and today it's longer then 4 years I'm still waiting I've provided all documents that could help solve this issue and they've made no help with keeping those documents safe. I was sent a letter that an error did in fact occurred and it would be taken care of. Only to still be on pending status. I've lost a great deal of my time and energy trying to do their job their policy is XXXX per week of a money transfer transaction occurring and they went over that amount in a four day gap. At the time I had issues with my landlord which I was evicted for not paying in time still homeless today. I have called more then enough times to be hung up on put on hold and put my hopes up just to still have nothing. The error occurred on boa end when it clearly should havent because ive Been through one money transfer transaction prior to the one they made an error on so its really not clear what happened to be treated as a fair customer service as a priority when the proof was more then enough. I've lost time away from my family over this issue that was humiliating and offensive to me because I had to explain every time I called boa because notes weren't put on my account to make it easier for me to be taken care of instead it causes my dispute to overlaps over time and it worked against me because the same transaction was submitted as a new dispute over and over again. Giving them more time to have the records become archive in the system where today I'm told their not able to go that far back on the transaction I'm disputing about. Im unemployed today and I'm homeless I've fought so long with so much energy I don't get why this is still an issue. Unemployment benefits are no longer being issued by boa for a lot of reasons. I'm just not comfortable with all the time I've lost having this over my shoulders still. I've received letters after letter about an error occuring then not occurring then being given temporary credit four times back and fourth it was taken back given again to losing again too many staff touching this case but not enough to have it solved already. Ive tried to work with them but now I'm fed up I would like to know how this can get resolved to be at peace of mind for myself. I'm exhausted after four years of being patient.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-04-20
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. (TX)

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my XXXX attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (CA)

I reported the information incorrect. I also filed a ftc report. spoken the burels and a creditor. XXXX XXXX is reporting last I am up to date so i inaccurately report, Wakefield and Associates, XXXX XXXX XXXX are identity theft accounts. also have incorrect personal loan for XXXX XXXX . The was identity theft as well still showing as a closed account it should be removed that is an inaccurate report. I have a XXXX XXXX XXXX account open reporting the amount of {$310.00} inaccurate that was also fraud. and XXXX XXXX XXXX reporting late payments and inaccurate balance.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-23
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. (TN)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-23
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. (AL)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b XXXX. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX. 
I have not supplied proof under the doctoring of the estoppel by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : XXXX XXXX XXXX XXXXXXXX XXXX ( Also known aXXXX XXXX XXXX XXXX XXXX XXXX - **Account Number XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.