davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-05-22
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. (GA)

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 2024-05-23
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. (GA)

Someone fraudulently is running my credit to get a car on XXXX There are 6 new inquiries on my Equifax credit report. These are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are fraud
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MI)

I am writing to bring to your attention the matter of a debt validation letter sent to Hunter Warfield on XX/XX/2024 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/2024, I sent a debt validation letter to Hunter Warfield requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. According to the FDCPA, they are required to respond within 30 days of receiving the letter. This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received the proper documentation from Hunter Warfield. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Hunter Warfield with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act.

Furthermore, I have not granted Hunter Warfield authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX, XXXX, XXXX of XXXX I requested Experian to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. Experian ignored that paperwork and continues to furnish incorrect data
Consumer complaint received 2024-07-11
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (CA)

For my previous complains/requests for US DirectExpress , I requested to get all my money back, then, close my account. On XX/XX/2024, I emailed DirectExpress to ask them to close my account. No response. 
We feel that we should request through CFPB. 

Thanks XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
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: EQUIFAX, INC. (FL)

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 2024-05-23
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC (MD)

I have been harrass unlawfully by National Recovery Agency. I have no knowledge of this debt and did not give permission for this creditor to contact me. I did not give any personal information to this company. They have placed false information on my credit report without my knowledge. I was not contacted by initial creditor that there was a balance or that I had any debts. The debt has caused further harm as I am now homeless with my children. I would like the company to not contact me.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX s wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX for XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX @ XXXX On XX/XX/XXXX I went into branch to pull funds from wire transfer And was told to wait for approval from manager for XXXX I waited in bank then was pulled aside by manager and was asked questions regarding the transfer, if I knew the person who sent the transfer I said yes, he was a referral I recv 'd from a friend. She asked me, if I ever met him I said no, she said I am sorry to tell you honey this is fraud. She said she was transferring over to the fraud department for investigation. I said but all the transfer came from the same person and there was no issue on the other wire transfer. She said nothing, just said I'm sorry this is fraud and it can take up to XXXX for them to complete to investigation. 
On XX/XX/XXXX I went back into branch and asked to speak with manager again. I waited about 15min before she came out. She didn't like that I was there again and stated to me that the investigation wasn't going to be over anytime soon, I said well the funds where verified and everything should be good. The 3rd party went into the branch where he lived and they told him it didn't matter they were not releasing funds to anybody. She didn't care about helping me at all. She said she was sorry there is nothing they can do. And funds will not be released. 
On XX/XX/XXXX I went back into branch to see if they got the verification yet and the manager said no and she said they completed their investigation and found that it was fraud and that I will be black listed for this. I said it's not fraud and none of this makes since. I asked what is going to happen to the funds will they be returned to the original owner? She said no. No one is getting the funds she said because its fraud they will be keeping the funds. I asked her to show me how it was fraud and she said she couldn't because it was against bank policy and that she recommend I get a lawyer to find out why it was fraud. 
On XX/XX/XXXX I called the fraud department to see if I could get somewhere with them. They told me that they weren't too sure why the claim had been but on fraud alert they weren't showing any kind of issues on their end. But they said it was put under investigation for fraud. So I waited till the next day On XX/XX/XXXX I called the fraud department again for an update and I got that they were not allowed to discuss it with me anymore that I had to go into branch and show two forms of ID. Well I had went into branch 3 times I wasn't going in again to be told nothing. 
I am very confused as to why this has been handled this way with no explanations.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been inaccurately associated with me without my knowledge or consent, causing considerable distress and concern. Regrettably, I have fallen victim to identity theft and have promptly taken action by reporting the incident. It is imperative to swiftly address this issue, as it has adversely affected both my financial stability and personal integrity. I kindly urge your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to furnish any necessary evidence and, if necessary, pursue legal recourse to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is deeply appreciated.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I uncovered instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your aid in rectifying this issue.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (SC)

I sent a letter to remove that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-24
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-24
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. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EQUIFAX, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX & XXXX  account number:XXXX
Consumer complaint received 2024-05-24
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-24
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
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: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: The Best Service Co.,Inc (CA)

The issue began when I discovered a transaction with XXXX XXXX XXXX that I had not authorized. Recognizing the transaction as fraudulent, I promptly reported it to the police and filed a detailed report, identified as Police Report # XXXX. Armed with this documentation, I contacted The Best Service Company to inform them of the situation, hoping for a swift resolution. 

However, my interactions with the company 's representatives were far from satisfactory. The responses I received were not only unhelpful but also condescending. Despite providing them with the police report, which clearly outlined the fraudulent nature of the debt, I was informed that I was still responsible for the payment. This reaction was both surprising and disheartening, as I expected a more professional approach from a company of their stature. 

Determined to resolve the issue, I formally disputed the debt in writing. In my correspondence, I reiterated that the transaction was fraudulent and provided all necessary evidence, including the police report. I requested that The Best Service Company cease all collection activities related to this debt and remove any negative information that may have been reported to credit bureaus. 

The persistence of The Best Service Company in pursuing this fraudulent debt, despite clear evidence and a police report, is not only unjust but also a violation of consumer rights. Companies have a responsibility to investigate and resolve such disputes fairly and promptly. Ignoring the evidence and continuing to harass individuals for debts they do not owe undermines trust in the financial system and places undue stress on victims of fraud.
Consumer complaint received 2024-05-22
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. (GA)

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

Account XXXX : XXXX XXXXXXXX Account XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.