davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation and accurate reporting of all items on my credit report. 

Specifically, I dispute the following entry : * Account Name : LVNV FUNDING LLC * Account Number : XXXX * Original Creditor : XXXX XXXXXXXX The collection agency has failed to comply with several consumer protection laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information but has placed a collection on my credit report. This is a clear violation of the validation requirements.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a proper opportunity to dispute the account as mandated. This lack of opportunity violates my rights to contest the debt.

3. 15 USC 1692e : The collection agency is using false, misleading, or deceptive means to collect this debt, which violates my consumer rights.

4. 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has no authority to report this debt to consumer reporting agencies without providing all legally required disclosures. They are in clear violation of these statutes.

In light of these violations, I request the immediate removal of this account from my credit report. Enclosed are copies of my credit report with the disputed items highlighted, as well as any relevant correspondence. 

Please conduct an investigation and remove this inaccurate information promptly. According to the FCRA, you are required to respond to my request within 30 days. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (CA)

There is three hard inquiries on my credit report for XXXX. Its only supposed to be one to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (CA)

About XX/XX/2022 shortly after having a loan with Fay Servicing and Fay Financial Services I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, XXXX, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XXXX XXXX XXXX  I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how XXXX and TransUnion can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX - Acct # : XXXX, due to the following reasons. 

1. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

2. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XXXX  ( TransUnion ) - XXXX XXXX XXXX XXXX Date Last Active : XXXX ( TransUnion ) - XXXX XXXX XXXX XXXX  Date of Last Payment : XXXX  ( TransUnion ) - XXXX XXXX According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Between XXXX and XXXX of XXXX  charges were made by something called XXXX  that i did not authorize totaling {$15000.00} dollars. I have reached out to the compant numerous times and when I asked the company about them they stated that I toild them that was my son using my card. I said yes but I thought they were talking about purchases made on XXXX not some XXXX  thing. They refuse to remove them and have caused my credit to be destroyed and are charging me for these fraudulant charges. I expolained that through my medical provider I recieved a letter stating that my personal ionformation was compromised and they still refuse to corerect it. It is very obvious the amount and the number of charges are fraudulant but they cclaim they are my personal charges but they most certainly are not.
Consumer complaint received 2024-01-11
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. (SC)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-11
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)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX BANK XXXX # XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Opened 24 month XXXX CD on XX/XX/XXXX. Monthly interest was credited to this account until XX/XX/XXXX. They decreased the interest XX/XX/XXXX in the amount of XXXX. 
On XX/XX/XXXX they closed the account for XXXX. I called them about this error. On XX/XX/XXXX they added the amount XXXX back to the account. I have called them numerous times since XXXX of XXXX to get the interest ( XXXX ) back into this account. Many case numbers with no results.
Consumer complaint received 2024-05-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (TX)

I received a prepaid debit card for {$35.00} as part of a refund settlement for XXXX XXXX XXXX XXXX XXXX plastic bag recall due to children accessing and eating the detergent. XXXX XXXX XXXX acknowledged the easy to open bag and sent a larger lag with a firmer seal for consumers to put the pods in. They also offered a refund of the purchase price of {$35.00}. I received my debit card this week and am unable to activate it. The website provided on the debit card where you can activate it ( XXXX ) does not open. I found a forum online where many consumers were facing the same disappointments and frustrations. Many were saying that it's a scam but one or two mentioned your agency and said to try filing a complaint and that led me to contact you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX : Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking .Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX XXXX if the consumer has provided Trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX XXXX  if the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.The Contracts need to be thoroughly reinvestigated and deleted due to inaccurate and unfair deceptive card practices and incorrect information reported on my credit report.
Consumer complaint received 2023-06-19
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. (CA)

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 2023-06-01
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. (FL)

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXXXXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had a over draft of XXXX now they want charge XXXX and I don't if I want put the XXXX back but they closed my account and I cant ' open another account with any other bank until I pay them off I think it's unfair to the consumers
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello there, I reviewed my credit report from Equifax and 2 of my credit accounts are showing up as " new accounts- 3 months old '', rather than 15 months old. The accounts were opened in XX/XX/XXXX  ( 1 yr + 3 months ) with 2 different credit card companies. I contacted Equifax and spoke to an agent who told me I couldn't possibly be looking at a credit report from Equifax since I didn't create an account with them and that I needed to contact the credit card companies myself to figure out how they can fix it for me. I.e, Equifax is not the problem and will not be helping me.

Can someone else help, as I am sure other people may be experiencing the same mathematical errors on their credit reports..
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

EXPERIAN continues to report an account on my credit report that is from identity theft and fraudulent activity, which is a direct violation of the FCRA. The company XXXX has provided no information on why the account is under my name/social number. I have followed the dispute process with evidence that this is from identity theft, yet both companies refuse to take the proper action.
Consumer complaint received 2024-04-23
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
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. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-01-11
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. (PA)

Only XX/XX/2023 someone submitted a fraudulent credit card in my name. When I received the notification, I contacted the credit card company and informed that I did not submit an application. I explained that it was fraud and to cancel the application. They told me to contact the FTC and file a report.
Consumer complaint received 2024-03-21
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)

XXXX XXXX has been reported on the estates consumer credit reports as a loan and I have never received a loan. There is no executable contract between myself and the XXXX XXXX XXXX of the Office of Attorney General of Texas. They have injured this estate and the Agent that signs and operates this estate for the benefit of its beneficiaries with revocation of Power of Attorney they are not allowed to conduct business on behalf of the estate.