davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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)

There is an address on my credit report that Ive never resided at. This same address was used to commit fraudulent acts under my name. This address being attached to my report only makes me liable to get my identity stolen AGAIN. How are the only credible sources for this address the 2 things on my credit report that WERE NOT ME? I never resided at that address, never had a bill attached to that address, if you call the leasing office they even say I am not in their system meaning I never resided at their residency. I have the right to an accurate credit report and my credit report has not been accurate since XXXX and Experian is to blame I have addresses that arent mine, accounts that arent mine, and up until this year I had a XXXX credit card that was opened in XXXX attached to my report. Im only XXXX! And despite it being obvious that these accounts arent mine or are failed identity theft attempts the bureaus will NOT help me. Imagine being held back by somebody elses actions. I even have inquiries on my report about a car.. Ive never even had a vehicle before. Its been 4 years of battling Experian and trying to get these bureaus to do right by me and they will not. I even have a XXXX student loan opened up in my name that they refuse to take off when all they have to do is call the school and confirm that I was NEVER enrolled there. How could I be enrolled in school in Pennsylvania and Im clocking in to work in Texas??? Matter fact if Ive been in XXXX since XXXX and this loan was opened in XXXX of XXXX and Covid was going on therefore how did I attend school? I never signed for any loans I stopped going to college in XXXX and even then all my loans were paid off and never more than XXXX and they were for a completely different university AND my mother set them up for me. They literally stopped letting kids go to school if it was out state for a year and a half but supposedly I was in PA.. and if I was going to school online it would be easy as XXXX to prove but they cant why?? Because its NOT MEEE!!!! Experian is lazy they give these fake XXXX investigations because they dont care and they dont want to actually work. It wasnt always like this I remember when they actually used to be on top of stuff. Maybe one day theyll try again but until then I need CFPB to help me get my report back together so I can get my life together. Im owed that much this has been an ongoing problem that has cause significant burdens in my life.
Consumer complaint received 2024-04-18
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Fraud occurred XXXX XXXX XXXX {$700.00} check fraud. I bank w/ Bank of America for 20 years. ( 3 months in ) and they failed to send me the bank affidavit form/doc. so I can file my police report. Never received a status update either. I keep calling the fraud dept. and nothing has been resolved. The local branches by me are closed and do not offer this service. This is handled by the back office. Never mailed me the bank affidavit. UNACCEPTABLE!
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-18
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)

PLEASE BLOCKED AND REMOVED.

I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

California Business Bureau, I sent you a letter certified mail XXXX on XX/XX/year> asking you to " validate '' the debt and/or account you are trying to collect on. You responded by sending me a " verification '' not " validation that clearly violates my HIPPA rights. You are required to delete this information from my credit file because California Business Bureau or Washington Health Care Systems did not send me a HIPPA release form that releases my medical information. By providing such information California Business Bureau is clearly violating my HIPPA rights to privacy.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (FL)

Opened an account with Laurel road recently. I set up direct deposit. Last week my paycheck was deposited no problem. I moved some money to a different account outside of XXXX  road. Again no problem. My next paycheck was deposited on XX/XX/2024. I again moved some of my money with XXXX  road to a different account. Everything looked fine yesterday. Today my direct deposit is gone and it says my account is now overdrawn. My ADP statement confirms my paycheck was deposited into my XXXX  road account. Customer service is beyond not helpful. XXXX not sure where to turn for help. I need to pay my bills.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2024-04-18
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 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 2023-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NY)

Revco Solutions at XXXX XXXX XXXX, XXXX, OH XXXX has been contacting me regarding my portion of a XXXX Bill which I have disputed with XXXX. The medical bill involves a surgical test for a XXXX XXXX, where they take a XXXX sample and send it to a special lab for analysis for XXXX XXXX XXXX. I am XXXX. 

The lab was closed for XXXX and so I was told there would be a delay. 

The lab never reopened and thus I have a permanent scar, no results, and no way of getting results. Thus the entire procedure was done under false pretenses. 

I have contacted the hospital numerous times and got the runaround because they could not provide the results. 

I contacted Revco and explained the situation in writing. I told them to provide the medical results within 5 days to verify the debt, and no information was provided. 

They have continued to contact me when I told them not to do so.
Consumer complaint received 2024-04-18
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
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)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-12-21
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. (CA)

CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

I can not transfer money out of my Wells Fargo Checking account. 

When submitting a transfer ( to any bank, all accounts are my own personal account ), it states the following error. 

" Please Confirm Your Identity Close We are unable to complete your request at this time. 

If your contact information is incorrect or not listed, use one of the following options to update your information and receive further assistance : Visit a Wells Fargo ATM Update your information at any Wells Fargo ATM. 

Find an ATM near you. 

Contact Wells Fargo Customer Service Call XXXX. If you are calling from outside the United States, please use one of our toll-free international access codes. 
Have your account information handy when you call. 
If you're a guest user, please ask your administrator to contact us. '' I called the number on XX/XX/XXXX, the CSR advised that I can go to a Wells Fargo ATM to solve this, which I could not because the closest is XXXX miles, or I can change my phone number on my Wells Fargo account from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to a regular mobile number. I updated my number from a XXXX to a regular mobile, and the CSR said they put in a request and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer and called back. The next CSR said that the last customer representative never put in a request, they have now initiated a request to update my contact info and try again in XXXX hours. 

XX/XX/XXXX I still could not make a transfer, once again talked to a CSR who said because I still had my old XXXX present on the account as an alternate line, that was causing the issue. I updated so my old number was taken off the account. CSR stated to wait 2 days ( again ) and try again. 

XX/XX/XXXX still could not transfer, spoke to a supervisor who said she would file a complaint and I should hear back in XXXX hours as to why this is happening. 

XX/XX/XXXX still can not transfer, called back mad and spoke to supervisor again who stated that no one had even been assigned to my case filed on XX/XX/XXXX, and the only thing she can do is note my account. I still can not initiate a transfer from Wells Fargo to any of my other banks added to the account. 

As of writing this XX/XX/XXXX I have called 5 times about the same issue of not being able to initiate a push out of my account. I have incurred late fees from other accounts because my money is being held in limbo in this account. Wells Fargo unable to give answers about what's going on.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-21
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. (GA)

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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)

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) XXXX, XXXX, and Equifax. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/2024, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to CRAs. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 follow items if information any other adverse item of information, other than the 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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.