davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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. (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX  on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I entered into a payment plan on XX/XX/15. Capital one offered a payment modification for my auto loan. I was told to make several smaller payments in a short amount of time to get the account caught up. I was relieved for the help and I have made the payments as indicated. Today, I was alerted to a delinquency for this loan and I was a bit confused. My wife and I called Capital One right away and found out that the arrangement they made has nothing to do with trying to keep the account from delinquency. They had a letter generated on the day of arrangement but cant share it with me so I cant confirm those details. In the first conversation in XXXX, it seemed as though the arrangement would protect us from delinquencies as long as the payments were made. If there was a possibility that it would be late over {$100.00} as reported today, I would have made that extra {$100.00} in the payments to keep it current.
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (IL)

I went to check my credit report and Wakefield and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report an issue with a financial institution that has caused harm to my credit score. My bank, Ally Bank, has been reporting incorrect information to the credit agencies, despite my attempts to rectify the situation. This misinformation has significantly impacted my ability to obtain credit and secure loans. 

I believe that Ally Bank 's practices violate regulations set forth by the CFPB and my rights as a consumer. I urge you to investigate this matter and ensure that consumers are protected from these unfair practices. Please take action to hold Ally Bank accountable for their actions and correct any erroneous information reported to the credit agencies. 



Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Ally Bank for their egregious and unlawful practices that have caused significant harm to my credit score and financial standing. Despite fulfilling all my obligations and making all payments on time, Ally Bank has been falsely reporting that I have an open account and have been making payments until XXXX of XXXX, well after I returned the vehicle on XX/XX/XXXX. 

In addition to these fraudulent reports, Ally Bank has also been reporting that I am not making timely payments and that I am making late payments of {$120.00}, which is wholly incorrect. These deliberate and intentional actions have caused me severe financial harm, and Ally Bank has even sent my account to collections, despite my full compliance with the lease agreement. 

I believe that Ally Bank 's actions violate not only the regulations set forth by the CFPB but also the fundamental principles of fairness and integrity. As a consumer, I should not have to suffer due to Ally Bank 's fraudulent reporting and unlawful collections efforts. I urge you to investigate this matter thoroughly, hold Ally Bank accountable for their actions, and ensure that they take corrective measures immediately. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$1000.00}. Please remove this information from my file.
Consumer complaint received 2023-10-26
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)

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. 

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 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

These scumbags once again sent mail here to DEAD ENTITIES/LEGAL FICTIONS. They have recieved XXXX insurance money ... now they can get the XXXX out of my life or each month they'll get a XXXX claim/FEE for IDENTITY THEFT, Administrating Property ( XXXX & XXXX ) without Right, Consent or Contract & Loss, Injury and Harm.. EVERY piece of mail sent here ... a {$300000.00} TORT will be filed. WELLS FARGO has committed FRAUD that they want to ignore and multiple CRIMES under 18 USC 242 .... this abuse will not be tolerated.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

According to 12 US code 1431 Banks and Banking. Deposits were withheld and I was not given access, It caused hardship and jeopardized my welfare, and pursuit to happiness. I could not access the funds/credits that was deposit on a weekly time frame. I am expecting a Full Investigation
Consumer complaint received 2023-10-03
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. (OH)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
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. (KY)

Ive recently filed a complaint with proof of inaccuracy on my credit file. 

Account name : XXXX  XXXX This investigating was asked to remove the whole account from my report due to inaccuracies
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: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or I did not made transactions with these accounts. 

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I am a senior citizen Identity theft victim I XXXX XXXX XXXX year old identity theft victim Some criminal fraudulently opened 2 credit cards in my name with Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Some Thief opened a ikEA Comenity Bank credit card acct ending in # XXXX In my name I received a bill from Comenity Bank. Saying I owe a balance of {$870.00} due to them by XX/XX/2023 for a IKEA credit card account I did not apply For I did not open this this credit card someone stole my identity opening this Comenity credit card I do not owe money to Comenity bank I also received a separate letter from Comenity bank thanking me for a credit card application for XXXX XXXX XXXX Comenity Bank credit card saying to reply within 14 days to. Infirm infirmation I did NOt apply for either of these credit cards Im a XXXX  citizen Victim of stolen identity XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NY)

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 2023-12-01
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. (VA)

I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

After reviewing my credit reports I discovered two accounts from Transworld ( TSI ). I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX and Account # XXXX via certified mail on XX/XX/2023. USPS Tracking states it was delivered on XX/XX/2023. I have given Transworld ( TSI ) well over 30 days to response and they have not. I wanted this information removed from my consumer report immediately.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management is attempting to collect a debt that never belonged to me. 
The debt is a result of Identity theft. I am a victim of Identity theft. This debt has never belonged to me. XXXX is demanding that I pay XXXX for a fraudulent debt that occurred as a result of my personal information being stolen.
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: Experian Information Solutions Inc. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-01
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.