davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -eQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (PR)

The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ {XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-07-19
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)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

XXXX started new service with XXXX XXXX and XXXX ended service and returned equipment to XXXX store in XXXX XXXX XXXX Texas. 

XXXX  credit reporting bureaus contacted me to tell me an unpaid balance of XXXX was reported to Amsher Collection Agency XXXX called Amsher Collection at XXXX to dispute the charges and get details and paid the XXXX XXXX called XXXX to dispute collection item off my credit reports and to reimburse me for the XXXX I had paid the collection service. Dispute Number XXXX XXXX called XXXX to dispute collection over the phone. XXXX, dispute # XXXX XXXX filed online dispute with XXXX XXXX XXXX filed online dispute with XXXX XXXX dispute # XXXX XXXX dispute resolved with XXXX and XXXX per their investigation and found in my favor ; therefore negative reporting was taken off my credit report. 
XXXX called XXXX to get back the XXXX I paid that they had reported to collection. There was no balance on the XXXX account because I had followed their policy and procedure regarding customer XXXX back guarantee in the proper window of time. 
XXXX called Amsher Collection to get reimbursed for the XXXX and they told me XXXX would have to refund my money XXXX called XXXX to get refunded. They wouldn't reimburse me XXXX I am now filing a CFPB complaint to get my money back
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Locked my account XX/XX/XXXX without notice. 
I called and they wanted proof that a closed business account was open. They had failed to transfer my business to my new business XXXX  years before. They wanted proof my closed account from XXXX years ago was open and wouldn't accept that my new business was active for XXXX years and wouldn't unblock the account. They wouldn't come up with any situation to unblock the account. I asked to close the account immediately. I paid the full balance and was credited any fees. They were supposed to close the account of that day as of XX/XX/year>. 

Now I get a statement showing interest and fees on a closed account. I called and they said they can't access the account but that I owe these interest and fees as it was never closed. They can't access the account to even help me as it's restricted on their side from the business account issue above. I am being charged fees and interest and even a yearly fee on an account that I can't use and they were supposed to close XX/XX/year>. They won't help and are holding me hostage ruining my credit. I can afford to pay but it's not right that they made a mistake and won't fix it. 

Thank you XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my CFPB complaint to notify you that I want to delete some items on my credit file. Regardless of my previous dispute, the items listed here are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. The following items should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section State
s : 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 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (WA)

The discussion for billing issues with Well Fargo Visa are on continues basis since XXXX customer service and management over the phone, e-mail and mail. I can provide you with correspondence between myself and the company since XXXX. Some questions did get resolved along the way, however it should not take months or years to get simple questions resolved. I can provide with correspondence upon request. 

After I did thorough calculations, for XXXX the company owe me a credit for {$3000.00}. Also, it owes me {$500.00} statement credit for fees/interests {$500.00}. We had a written discussion about this matter. The company didn't respond to this letter or request since XX/XX/XXXX. I did receive auto-response from the company, that letter was received and under review and will be responded in XXXX business days. Right now, according to XXXX my account is 60 days past due in payments. This is because the company refuses to solve simple math problems or there is something underlining that isn't shared with their long time client? I have a very good standing credit history and this method serving clients is very suspicious. I'm unable to use the card while it's open because of none payment and because they are not serving their clients appropriately. I requested to cash out the check for the credit, close the card, and fix credit history to good standing and take blame for their error reporting however nothing was done. 

Since this problem was not resolved the carry over debt and credit problems rolled over to XXXX. The last purchase I did with this card was on XX/XX/XXXX from XXXX XXXX for {$42.00} and since that time I'm unable to use this card. Since XXXX, I did request for Covid -19 Financial Hardship Application to cover some of these expenses. I received response on XX/XX/XXXX that they no longer offer this type of help. That's with one year delay.

I hope your company can help me to deal with this problem as soon as possible without transferring to another company. I need honest XXXX credit card company that will respond immediately to customer needs. This is by the way my second credit card with same issues. I'm also having same type of issues with XXXX XXXX card that served me for decades without problem. Please find underling issues so I can use my cards, get refunded credits and fix my credit history that is not so easy to fix after it has been effected. Thanks.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-26
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: NAVY FEDERAL CREDIT UNION (AZ)

I noticed unauthorized inquiries on my credit report and am a victim of identity theft. Here are the inquiries ; - XXXXXX/XX/XXXX Navy FCU ( XXXX XX/XX/XXXX ) Please have these unauthorized inquiries removed from my credit report.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NM)

XX/XX/year> XXXX am Receive message from US Bank Alerts via text to a purchase of XXXX occurred at XXXX XXXX XXXX XXXX. followed by another message. 
US BANK Alerts Your debit or ATM card ending in XXXX was declined at XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX received message from US bank Fraud Alert : XXXX valid XXXXXXXX XXXX called XXXX number given to me from the website. Was transferred to cardmember services and they canceled the transaction. My debit card was canceled, and another order. 
XXXXXXXX XXXX  and XXXXXXXX XXXX  I went to the branch location on XXXX and XXXX XXXX, received a temporary card, and was told there was a case number made and an investigation was already underway. Case number XXXX XX/XX/year> Monday I received a letter in the mail from US Bank dated XX/XX/year> asking for a statement of Fraud form to be completed and returned by XX/XX/year>. Took XXXX days to receive in the mail, and after XXXX Mountain Standard Time, expecting another XXXX days to mail did not have that luxury as it would have taken longer than the allotted XXXX days I had to address the situation after receiving it in the mail, so I opted to take the XXXX option to mailing in the form which was faxing. 

XX/XX/year> I filed a police report with XXXX Police Department Case # XXXX XX/XX/year> I tried several times on XXXX XXXX from a personal location with no success to fax the number listed on the form at XXXX. 

XX/XX/year> I went to the branch location at XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX and spoke with a teller who agreed to fax it for me. It went through successfully XXXX XXXX at XXXXXXXX XXXX XXXX pages scanned and sent to the above number. 

XX/XX/year> I received a letter from US Bank dated XX/XX/year> that they were reversing the provisional credit on XX/XX/year>. 

XX/XX/XXXX I called XXXX XXXX XXXX to request documents, as stated in the letter. She sent the claim back for research and revision. Said it would take up to XXXX hours. Monday went to main branch where manager offered no help or even look at it. Called card service there and still nothing. They altered me on the fraud. How can they go back?
Consumer complaint received 2024-05-28
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. (TX)

Experian keeps stating they have verified this bankruptcy they are reporting via their vendor I contacted XXXX and they stated they did not verify this information and has since removed the information from their system. This is my final attempt to get Experian to turn over their vendor information so I may follow up to see if they indeed have the correct information if you fail to respond with the documents I want you to know I will be suing you under FCRA and also filing arbitration based on your service agreement because I did not state I wanted Experian services or that I even wanted you collecting my information to seek as a reseller of consumer data. You have 7 days from the date of this complaint then I reserve my rights to sue.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-07-10
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 filing this complaint regarding unresolved inaccuracies on my credit reports with XXXX, XXXX, and Equifax. Despite submitting disputes and providing documentation on XX/XX/year>, regarding erroneous accounts from XXXX XXXX XXXX and XXXX XXXX, these agencies have failed to rectify the errors. This ongoing issue has caused significant emotional distress and financial harm. I request immediate correction of these inaccuracies and resolution of this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (TN)

I do not know PATENAUDE & FELIX , A.P.C. I do not have any contractual obligation to Law Offices Of PATENAUDE & FELIX , A.P.C. I never signed any agreement XXXX & XXXX, XXXX. I never consented for PATENAUDE & FELIX , A.P.C to share my personal information. My name is Copyright protected. I am advising PATENAUDE & FELIX , A.P.C to cease and desist any/all collection regarding this name. I demand PATENAUDE & FELIX , A.P.C contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

Failure of Law Offices Of PATENAUDE & FELIX , A.P.C to contact any reporting agency and have my private copyright information will result in my exhausting my legal remedies. No further notice besides this notice shall be given.
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates. 

I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX broke company-customer confidentiality laws by unlawfully handing over legal documents that were given to them by me to another company without my express permission to do so.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (NV)

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.