davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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)

I am writing to bring attention to discrepancies in the provided consumer report, which was furnished without my explicit written instruction giving consent. To provide some context, I am the primary caregiver for my father, who has been diagnosed with XXXX XXXX XXXX. I have been diligently working towards purchasing a vehicle to facilitate his transportation to and from his medical appointments and XXXX XXXX 
these adverse actions taken against myself and my family by your company which I explain below have caused me financial hardship, emotional stress, as well as XXXX and XXXX and also has damaged my reputation and has caused me to lose gainful employment opportunities. ( Documents of proof enclosed ) These false and misleading practices used by EQUIFAX to obtain my vital non public personal information from various sources without my consent violates 15 USC 1681b. 

EQUIFAX has committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " Identity Theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe by regulation. You have committed identity theft by falsely representing and the use of deceptive means to collect my vital non public personal information without my consent and furnished alleged debts owed on this consumer report. This is a breach of Federal Law 15 USC 1681 ( 4 ) of the Fair Credit Reporting Act. ( Documents of proof will be provided ) This is defamation furthermore furnishing transactions of these alleged debts owed According to Federal Law shall be excluded from a consumer report as pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) these adverse actions are pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) ( ll ) by your company breaching federal law and have resulted in considerable distress and financial hardships also a violation of Federal Law 15 USC 1681b 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) ( ll ) 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) 15 USC 1681q of the Fair Credit Reporting Act. 
( Documents of proof provided ) According to 15 USC 1681 congressional findings, The banking system is dependent upon fair, and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the public confidence which is essential to the continued function of the banking system. Your company 's adverse actions directly threaten the United States Of America 's banking system and public confidence in it. 
Your company has violated 15 USC 1681.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fairway Independent Mortgage Corporation (VA)

I've requested the XXXX  Removal Request form now 3 times. Twice over the phone on XX/XX/XXXX and XX/XX/XXXX and again via email on XX/XX/XXXX. I have not received it to date. The form is not accessible through the website or customer sign in portal.
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: Experian Information Solutions Inc. (GA)

I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

After pulling my credit report on XX/XX/2023 I noticed an account with Self Financial / Lead Bank acct # XXXX & XXXX on my credit report. I have no knowledge of this account & have an issue with 2 data breaches that have resulted in identity theft. Ive called multiple times to get these accounts closed & deleted from my credit report with failure or no response from either company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (VA)

THIS BANK VERIFIED ME IN XXXX XXXX THEN THE NEXT DAY AFTER THEY VERIFIED ME FOR ALMOST XXXX HOURS OVER THE PHONE. I SENT THEM ALL REQUESTED DOCUMENTS VIA ONLINE TO VERIFY ME. I WAS TOLD THE NEXT DAY THAT I COMPLETED THE VERIFICATION PROCESS SUCCESSFULLY. THEN BEFORE THEY WOULD ALLOW ME TO SIGN THE PAPERS THEY SAID THAT I HAD TO GIVE THEM MY ACCOUNT INFORMATION SO THAT THEY COULD FUND MY ACCOUNTS. I THOUGHT THAT WAS STRANGE BECAUSE MOST BANKS ALLOW YOU TO FUND YOUR ACCOUNT AFTER YOU SET IT UP ... NOT BEFORE. I FELT LIKE IT WAS A ULTIMATUM. THEN THEIR CUSTOMER SERVICE AGENT ASKED FOR MY DEBT CARD NUMBER AND SECURITY CODE. HE ALSO ASKED ME WHAT THE VALUE OF MY HOME IS WHICH I REFUSED TO GIVE HIM. THEN AFTER THEY GOT MY FUNDS FROM MY OTHER ACCOUNT THEY LOCKED ME OUT OF MY ACCOUNT ONLINE AND SAID THAT THEY DID NOT BELIEVE I WAS ME. THIS AFTER THEY VERIFIED ME AND TOOK MY MONEY. THIS IS FOR A ACCOUNT THAT YOU GET A BONUS. THESE BANKS ARE TRYING TO GET NEW CUSTOMERS THEN THEY TRY TO BE MEAN SO THAT THEY DO NOT HAVE TO PAY THE BONUS. THIS IS A SCAM THESE BANKS ARE RUNNING. THEY ARE TRYING TO GET NEW COSTUMERS FOR THEIR INVESTORS AND THEN TRYING NOT TO PAY THE BONUSES. I HAVE BEEN REQUESTING FOR THEM TO CALL ME FROM THEIR XXXX XXXX SINCE XX/XX/2023.XXXX .NO ON HAS CALLED ME! THEN NOT ONLY WAS THEIR CS MEAN AND RUDE THEY REFUSED TO ALLOW ME TO GET TO MY OWN MONEY AFTER THE TRANSFER. THEN ONE OF THE LAST CALLS I MADE TO THEM IT SOUNDED LIKE THEIR CS REP WAS DOING SOMETHING INAPPROPRIATE ON THE PHONE. I ASKED HIM, " WHAT IS THAT SOUND. '' THEN IT STOPPED .XXXX AFTER HE SAID, " DOES IT SOUND LIKE LIKE SOMETHING RUBBING ON THE PHONE. '' IT MADE ME FEEL VERY UNCOMFORTABLE!!!
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

On XX/XX/2023 and XX/XX/2023, I submitted dispute letters and reported disputes to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$610.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received a satisfactory response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus. 

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
Consumer complaint received 2023-06-14
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-27
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear Experian, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have sent several disputes trying to get this info. Resurgent refuses to provide the credit card agreement that i would have been provided when applying for this card. They also will not send over the written application with my signature as the original creditor couldn't get this either. When i originally reported this identity theft to them, they closed the account and removed from my credit then i guess sold this to Resurgent. This account is fraudulent and is on my credit. I want the documents proving this is my debt ( as they don't exist ) so that i may file a claim/police report for this and need those documents. If they can not supply, this needs to be closed and removed from my report. If they can, i can file my identity theft claim and police report and can supply this to get this closed and removed. I had several accounts in XXXX  that were opened in my name and this is the last one i have been trying to get taken care of. Resurgent has refused to supply the documents required to validate. Not to mention, i was never given the 30 days of dunning to dispute originally or i would have disputed at the very beginning!
Consumer complaint received 2023-12-31
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: Experian Information Solutions Inc. (CA)

[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date : XX/XX/2023 ] Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear Experian XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called Experian to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by Experian. However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that Experian carefully review this information and reconsider the accuracy of the reported items. 

Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding Sincerely XXXX XXXX
Consumer complaint received 2024-01-17
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 (TN)

I am writing to file a formal complaint regarding a significant issue I am experiencing with my American Express digital gift card. Despite numerous attempts, I have been unable to use this card for any online or in-store purchases, encountering a consistent 'payment failed " error with various retailers. 

Details of the Issue : Gift Card Type : American Express Digital Gift Card Issue Encountered : Repeated 'payment failed " error for both online and in-store transactions. 
Attempts to Resolve : I have made multiple attempts at contacting Amex with no help Impact of Issue : This problem has rendered the gift card unusable, effectively locking the funds and denying me access to the financial value it represents. 

Through my research, I have found that this appears to be a recurring issue with American Express, where customers are unable to utilize their digital gift cards. There are indications online suggesting that this might be a systemic problem, with concerns raised over the holding of funds by American Express. Such issues hint at potential fraudulent or deceptive practices. 

Given the severity of this issue and its apparent prevalence among other consumers, I believe it warrants an investigation by the CFPB. The inability to use a gift card, which is essentially a prepaid service, not only causes financial inconvenience but also raises questions about the business practices involved. 

I am willing to provide further details or documentation if required. Your attention to this matter is highly appreciated, as it affects not only my financial interests but potentially those of many other consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy of information contained in my credit report as provided by Experian. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature. Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies. This is fraudulent activity Creditor Name : XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

Discover Bank and their credit card have violated my rights. They have been sending reports to XXXX every month on an account that has been closed for over five years and sending each month that I am late. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USSc 1681 Section 602 states that I have the right to privacy. 15 USC,1681, Section 604 ( a ), Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USc 166b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 


Please stop them from violating my right and take this report off my credit immediately.
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XX/XX/XXXX & XX/XX/XXXX is when i made complaints about JEFFERSON CAPITALIST. I have 0 knowledge of that account & been harrassed repeatedly through mail via phone calls. Total amount it says is {$4100.00} & IT IS THEIRS. I would like this off my credit history completely due to them violating rights & codes. Its been there 8-9 years & its affecting me bad. Including the 2 hard inquiries from XXXX XXXX. I also have 0 knowledge of trying to open either account.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I had CFPB reach out to American express on my behalf to resolve this issue ( See case number XXXX ) but it was not resolved. I Have never agreed to do business with American express personally and I have Never agreed to personally guarantee any loans for anyone or any company. 
American express provided me with a copy of a contract through the CFPB platform and after reviewing it, I can see that the contract is with XXXX XXXX XXXX New York XXXX and not with me personally. They have not provided a signature of mine by any means. I can see at the bottom of the contract, there are lines where my name is preprinted to sign, however those lines bares the signature of XXXX XXXX XXXX New York XXXX. I never agreed to guarantee any loans. The XXXX XXXXXXXX approving the contract which shows on the left at the bottom of the contract, bares the responsibilities of inspecting this and making corrections before issuing any funds to the company. The fact that this was not done, can not force the responsibilities on to me. 
Based on this, I request this account be removed from my credit report immediately. 
If I have to hire a consumer lawyer and litigate this, I will do so and XXXX for a lot of damages. I have been saving all of my credit denials which are caused by this reporting. I hope this can be resolved immediately! I have attached the contract Amex produced and their response for your review.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.