davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Subject : Dispute of Inaccurate Late Payments Account XXXXXXXX XXXX XXXX XXXX XXXX Dear XXXX  XXXX, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete. 2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report. 3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account. After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors. Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, Experian, and XXXX ). Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. Sincerely, XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Lendmark Financial Services (CA)

Coerced and manipulated by dealership and lending company to accept predatory loan and fraudulent business practice. They failed to provide proper documentation of fees paid in reference to fees charged, falsified charges " XXXX XXXX '', Usurious interest rate, stress and duress during time of purchase. Violation of Article XV of CA constitution and FCRA.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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  has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 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 generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-08-27
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (FL)

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 Name XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number: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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following 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 XXXX 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (TX)

I have been trying to resolve this issue for over a year. They billed me for XXXX for an item I never received, they have also started to add interest on this amount after the 0 % apr expired. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports and being a victim of Identity theft. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

XX/XX/year>, I made my upcoming XXXX payment. Then i got a call from Lakeview Mortgage telling me that my payment was delinquent. I told them that the payment was made on XX/XX/XXXX through the online portal. They told me to reach out to my bank and find out because they had not received a payment. I called my bank and was told that Lakeview had never asked/cued a payment. I called XXXX back and told them what my bank informed me of. The payment was still sitting in my account. They asked me to verify my account info, which I did, and they told me that was not the info they had on file??? I have only every had one checking account for over 15 years and all my previous payments had come out of that account. While waiting on hold I heard a msg about XXXX being subject to a cyber security breach. I asked the rep about it and was told that they could transfer me for more info. I declined as I wanted to settle this payment issue. After getting several payments declined notices from XXXX ... ... .NEVER, not one from my bank! I called back several time trying to satisfy this issue. I finally went on my portal, after not being able to access it for several weeks. When I went into the payment info, the account number they had listed for my checking account was not even close to my real account number. I called back and told them that I must have been part of the security breech and I had fixed the account info and was wanting to pay ( NOW XXXX PAYMENTS ) and was told my account had been locked and I was no longer allowed to pay online or by check, that I must send in a XXXX  or cashier 's check, which that would make my XXXX payment late! I was EXTREMELY upset. I called my bank and drafted the amount due of XXXX to be directly sent from my bank. I got notice from XXXX that they had received my payment but were reporting the delinquency to the credit bureau. In the meantime, through the mail I received a packet telling me how to avoid foreclosure! I was so incensed, called by attorney who advised me to contact you. I have checked my Credit report, and it was decreased by XXXX points, and I think this is very unfair and WRONG. I have had nothing but problems with this company since getting my mortgage. Horrible company and terrible customer service.
Consumer complaint received 2024-06-16
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Please refer to case number : XXXX Wells Fargo replied with letter but it does not explain why the account was closed. It does however cc CFPB Letter received in XX/XX/2023. 

I have attempted to resolve these issues in person and do not understand why a {$300.00} dollar account was in question! I called Wells Fargo to learn the account was closed due to " suspicious transactions '' I do not understand why this is the case! There were NO transactions made in the short period of time the account was opened! 

I was a customer for over 29 years with no questionable transactions to my account! My mother took me to Wells Fargo when I was a young girl to open an account!!! Life changed and I married so I moved on but was seeking to re-establish connections with Wells Fargo in XXXX, CA where I lived with my family before I married. Everyone at the XXXX XXXX branch knew my mom who is now XXXX yrs old. My ex-sister-in-law worked at the branch as well so you can see the reason why I like to bank in person! I was also on the waiting list for a security deposit box, not all banks offer this service now! I introduced myself to the branch manager to reconnect and greeted long time friends at the branch who asked about my mom! 

I do not accept this illogical explanation for terminating my account by Wells Fargo! This is defamation of character and I am asking you to re-evaluate this case please! 

Please let me know how I can help address this issue or if you need more information on this account or names of the Wells Fargo team I spoke to! I will really appreciate your response! 

Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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 ACT ACCOUNT # XXXX XXXX XXXX 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

I originally had an account with XXXX for almost 20 years. This was taken over by Citizens bank. 
Because I am now resident overseas they will not allow me access to my account by internet or app because I don't have a US telephone number. I previously had access by internet. 
Recently I was sent a new debit card. I tried to activate it by telephone as requested but my pin number was rejected ( even though I used my correct and current pin ). 
I was put through to an operator who said the only way I could activate it was to visit a branch in the United States with the passport I used when I opened the account XXXX  years ago. 
I pointed out the passport has long since expired and that it is inpractible to visit the US at the moment. 
I asked for another method to activate my card but was told there is no alternative in my situation. 
I would like this issue resolved by giving me access to either the mobile app or internet access. Or at the very least activate my card so I can access funds in my account.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-11-03
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. (LA)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing instructions
Consumer complaint received 2024-06-16
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. (SC)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I called and asked for debt verification, could not be provided, I have also asked if the debt has been reviewed by an attorney it hasnt. The harassing phone calls every day, the letters are non stop. My family is even being called about this debt thats not mine.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX XX/XX/2024 Consumer Financial Protection Bureau AddressXXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Collection Account Dear Sir/Madam, I am writing to dispute owing any and all debt on my credit report. I have reviewed my credit report and have identified inaccuracies in the information reported by Central Portfolio Control. The inaccurate information is negatively impacting my credit score and financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and correct the inaccurate information on my credit report. 

I am requesting a Debt Validation and also Purchase Agreement between Central Portfolio Control and original Creditor. Also proof that they are licended and Bonded. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misteadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I will want to revoke all rights of creditor communicating with me through email, text or calls. 

Thank You
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. According to the FCRA Law 605 B they have no consent to report anything on credit without my validation and signature.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s )
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-06-17
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. (FL)

THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX