davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MD)

In the year XXXX I was involved with an individual XXXX XXXX who applied for a credit card with Goldman and Sachs and Company. He put my name on the card without my permission! I found out about this XX/XX/XXXX, when it appeared on my XXXX credit report, I immediately looked up the company and found it, I then called and spoke with a person. I explained my issue and they told me it was nothing they could do, because I'm not the account holder! frustrated I call the person listed above and asked him to remove my name from his card, because it is affecting my efforts to build my credit! he said he did! then entered a dispute with XXXX Credit Bureau the same day as the date above, because this company appeared again on my report! Now again this has appeared on my report XXXX I submitted another dispute and again XXXX looked into it and said it was a verified account! even though I have explained to them that I don't, nor have I ever had a card or used a card from or with that company! Now after all my hard work to improve my credit! XXXX has allowed that person 's credit use to affect my score! On XXXX XXXX it is still there, and XXXX won't listen to me! I'm so frustrated that now I'm thinking about suing XXXX, Goldman and Sach and Company, and XXXX XXXX! And I would like to note that I checked to see if this false information was listed on the other credit bureaus. XXXX and XXXX it was not. Please help me resolve this matter before it gets worse!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same information.
Consumer complaint received 2024-01-12
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. (IL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX CFPB Complaint No. : XXXX Dear Equifax Representative , I am writing to follow up on my recent dispute submission, referenced under CFPB Complaint No. XXXX. I understand the importance of verifying my identity to protect my personal information, as emphasized in your previous communication. However, I wish to clarify that I have already submitted all required documentation to confirm my identity and address. 

The delay in resolving the inaccuracies in my credit report is not only inconvenient but also significantly detrimental to my financial stability and day-to-day life. These errors are adversely affecting essential aspects of my livelihood, such as my ability to acquire credit, seek housing, and manage my financial affairs effectively. 

Therefore, I respectfully urge a prompt review and correction of the disputed items in my credit report. The requested corrections, as previously detailed, include : Updating my current address to XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Correcting my phone number to XXXX. 
Rectifying my name to XXXX XXXX. 
Removing all outdated employment information. 
I trust that Equifax will expedite the processing of my dispute in light of these circumstances. Please acknowledge the receipt of my previously submitted documents and proceed with the necessary corrections without further delay. 

Your immediate attention to this matter is greatly appreciated. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
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. (PA)

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 XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NC)

unathorized charges, and no knowledge of accounts being open, reported fraudulent to ftc.gov and identity theft.gov, I have not lived in nevada since XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX years since XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I did not received such items merchandise or money from said debts and tried to removed it and credit beaureu keeps entering and re opening said debts.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S.

Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX This account is fully satisfied. Please update this account immediately 2. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX  The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately 3. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate. Please update this account immediately PLEASE SEE THE PROOF ATTACHED TO THIS LETTER Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (CO)

Approximately 4 months ago I was suddenly unable to access my online or mobile checking account at Regions Bank. I have had the account for over 50 years. Since then I have called Regions at least 10 times without success. The attached letter will give detailed information.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Chase bank froze my account and held my payroll funds. 
I woke up on payday and my direct deposit had not posted. I called my employer and they said they posted to my direct deposit account on file. 
Upon calling chase they said they froze my account and are closing it. There was no notice and they posted a notification the day they closed it which was the day of payroll!!! And immediately froze my funds and after XXXX hours no one could tell me why or tell me how to get my payroll. 
After 5 days they allowed me to withdraw my payroll. Still have no idea why they closed my account. Then all bills paid from this were late and rejected and caused me fees to returned payment fees.
Consumer complaint received 2024-04-09
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. (CA)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have paid more toward late fees than the capital one balance. It's a rip off. It's a scam to keep me in debt. I missed the payment by 4 days and they want to charge {$40.00} on top of {$100.00} payment. Not to mention I've had the card for over ten years, I have paid it off more than twice and they have never raised my limit. After many times of me asking as my income has increased I have the same credit amount as when I got the card in college and I'm a XXXX XXXX XXXX human. These companies rip off the American people ; all they care about is money.
Consumer complaint received 2024-03-18
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. (GA)

Dear CFPB, I am writing to dispute inaccurate and unauthorized information on my credit reports as a victim of identity theft. A collection account from XXXX has been repeatedly reported, despite this not being my debt. The continued presence of this fraudulent collection on my credit file has severely damaged my credit and caused significant financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand removal of any inaccurate or unverifiable information resulting from identity theft. The following provisions are applicable : 1. 15 U.S.C. 1681c-2 allows identity theft victims to obtain a block of any information in their file that was caused by the theft.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to promptly delete items that are inaccurate, incomplete or can not be verified after a reasonable reinvestigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or have reason to believe is inaccurate.

4. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to modify, delete or block reporting of information that can not be verified as accurate.

I have made numerous attempts to dispute and have this fraudulent XXXX collection account removed from my credit reports, including providing documentation that I am an identity theft victim. However, the credit bureaus and XXXX have failed to uphold their legal obligations under the FCRA. 

Enclosed are copies of my prior disputes, an identity theft affidavit, a police report, and other supporting evidence that this alleged debt does not belong to me. I am escalating this to the CFPB and demanding a full investigation to permanently block and remove this inaccurate collection account as an identity theft victim. 

If appropriate corrections are not made promptly, I will have no choice but to pursue further legal action against XXXX and the credit bureaus for willful, non-compliance with FCRA identity theft provisions. Please resolve this issue urgently. I look forward to your assistance.
Consumer complaint received 2023-09-15
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Account Managers, Inc. (OH)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-04-12
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. (NY)

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 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, 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 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 2023-10-06
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)

The accuracies of their reports were questionable to me because they appear to have different details among other consumer reporting agencies. I have already informed their company repeatedly that these accounts were found to be incorrectly added on my files to which I even requested them to process for a reinvestigation but they still failed to do so.
Consumer complaint received 2023-07-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (IN)

Company is suing me in court. I sent a debt validation letter to them and to the court. I have not received proper paperwork within 30 days. I want the debt deleted and removed from my credit score immediately.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd. (TX)

Have been receiving repeated calls ( XXXX calls from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - see attached documentation ) from XXXX XXXX who is attempting to collect a debt from XXXX people with the same last name ( see attached document ). My wife spoke with them on XXXX and informed them that the number they are calling belongs to us. We received the number from XXXX when we switched from XXXX to XXXX. She requested that we be taken off the call list which they said they would do. They have not, and they are continuing to call us. As the attachment shows, we receive multiple calls on some days.