davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I called wells fargo to file a dispute on transaction I did not authorize. The transaction between the dates of of XX/XX/2023 and XX/XX/2023 below is a list of each date and the amount. After their investigation they decided to rule against me and not provide me credit when the transactions were in fact fraudulent. 

XX/XX/2023 {$750.00} XX/XX/2023 {$1500.00}, {$1000.00}, {$1400.00} XX/XX/2023 {$1000.00}, {$700.00}. {$460.00} {$300.00} The total amount missing is {$7100.00} The claim number is XXXX
Consumer complaint received 2023-08-26
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. (VA)

Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' Experian, XXXX, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.
Consumer complaint received 2023-12-27
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX I attempted to add {$100.00} to my XXXX account with a {$500.00} AMEX gift card I had received from my employer as a holiday bonus. This resulted in XXXX temporarily suspending my account due to " suspected fraud. '' XXXX XXXX, I attempted to use the card on XXXX to try to purchase a {$350.00} stand mixer for less than the balance of the AMEX gift card. This was declined. 
On the same day, I tried to purchase the same {$350.00} stand mixer on XXXX to the same rejection of the gift card. I immediately tried to purchase the same {$350.00} stand mixer on XXXX and the payment was rejected again. 

All of the above purchases were well below the balance of the Amex gift card, and at least one of the above companies should have been able to succeed in processing the payment.
Consumer complaint received 2023-12-03
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. (SC)

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 with 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-12-04
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. OFFICE OF THE ATTY XXXX XXXX Balance : {$5700.00} ; ATTYGENERL XXXX Balance : {$5600.00} ; OAG CHILD SU XXXX XXXX : {$5700.00}.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (NC)

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.
Consumer complaint received 2024-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NY)

I received a bill for {$110.00} from XXXX XXXX XXXX dated XX/XX/XXXX saying that I had a balance that " remains unpaid for services provided on XX/XX/XXXX and that prior attempts to communicate with you have not generated a plan to resolve the past due balance '' and that the bill would be sent to collections if not paid within 30 days - however this was the first bill I had received from XXXX. I paid the bill in full on XX/XX/XXXX through my XXXX provider, but I then received a letter from Phoenix Financial Services dated XX/XX/XXXX saying that my bill was now in collections! Phoenix 's letter also said the amount I owed was {$130.00}, which was wrong. Phoenix 's letter also shows that XXXX had sent the debt to collections less than 30 days after they had mailed me their first bill, inconsistent with what they had written in their bill. 

XXXX 's bill also did not have a clear date written on the bill. I had to decipher some obscure coding at the bottom of the bill to figure out when the bill had been generated. 

I called XXXX on XX/XX/XXXX to ask what the status of my balance was, but they refused to tell me, saying I could only speak with Phoenix Financial Services because the debt had been sent to collections. I had verified with my XXXX provider that my payment to XXXX had cleared before I called XXXX, but XXXX would not tell me the status of my bill. 

I filed a dispute on Phoenix 's website on XX/XX/XXXX. I did not call Phoenix because I don't want them to have my phone number, because they have a reputation of unethical communication practices. 

I did not hear back from Phoenix after filing the complaint, so I filed another one with them on XX/XX/XXXX, the content of which I have attached to this CFPB case.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (GA)

I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Consumer complaint received 2023-12-03
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, Experian, and XXXX. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

Experian : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX 

XXXX : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : XXXX. 

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, Experian and XXXX has failed to provide the following essential information related to the bankruptcy report : 1. The name and contact information of the entity that furnished the bankruptcy information.

2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2023-07-02
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called XXXX XXXX XXXX. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with Experian the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who XXXX XXXXXXXX XXXX is! I am sending this complaint because the Experian reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month.

They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely 15 USC 1692e as well as allowing XXXX XXXXXXXX XXXX violate 15 U.S. Code 1692f - Unfair practices.
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There numerous inquiries that I never authorized which is fraudulent! 

1. COAF XXXX 
Date reported XXXX XXXX
2.COAF XXXX
Reported XXXX XXXX
3. COAF XXXX
Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX
5. Capital one bank USA na
XXXX XXXX capital one XXXX  Reported XXXX XXXX
6. Capital One bank
XXXX XXXX  capital one XXXX
Reported XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and XXXX is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST
Consumer complaint received 2023-09-22
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. (FL)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (CA)

At the beginning of XX/XX/, I sent a payment to the American Express credit card with a money order worth {$1000.00}. That payment was never applied to my account, but the money order was collected by said institution on XX/XX/, as can be verified in the copy received of the money order. I have made 3 disputes with American Express, and they always reject it even though they have proof of the payment made. No one can give me a logical explanation of what is happening, and I have already spoken with different American Express representatives.