davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a copy of my credit report and recognized there was a Capital One credit card on my account that was not mine. I reached out to Capital One to notify them of this account is fraudulent and I did not open it or give anyone authorization to use my information. They claimed to conduct and investigation but did not provide me with the validation and the verification I requested. They also did not give me their method of investigation ; who did they talk to, their names, and was they present during this transaction which is my rights. They failed to provide this information and continue to report this fraudulent account to my credit report.
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I was approved for a {$11000.00} personal loan with Citizens Bank. I signed all documents to receive the funds and when they did the final review, denied me and explained the reason is because they werent able to verify certain information, when I did verify all information. They're not giving me the exact reason why Im being denied and this is not fair after Ive done everything required to receive the funds.
Consumer complaint received 2024-05-02
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. (VA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had an account with Capital One that received several fraudulent charges. I disputed the charges and was refunded the money. I called to close the account and received confirmation from the representative that the account was closed and that the remaining balance would be sent to me. Nothing came to me. 
I just checked into the account that was supposed to be closed. It is not closed. It has been open for several months. They have been charging me fees and using the balance to pay for them. Furthermore, there is a fraudulent charge in the amount of {$310.00} on XX/XX/XXXX.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I just checked and reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information has been stolen and used against my rights. Someone has been applying for things in my names also got an apartment under my name. I would like for this to situated soon as possible. I did not give anyone the authorization to apply for anything in my name for these are fraudulent. Even to the point the address on my report does not match my original address. There is a file listed below showing my residency that way all the other addresses needs to be removed.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
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. (GA)

I am demanding the deletion of the account XXXX XXXX XXXX XXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills, including surprise medical bills for emergency services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2023-12-20
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 2023-12-20
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. (NV)

FAMILY & EDUCATION ACTXX/XX/1974 PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a Direct Loan if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2023-12-20
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. (NC)

I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted XXXX XXXX data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX, is crucial. I kindly request that you handle this matter with the utmost care and diligence.
Consumer complaint received 2024-05-02
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. (WA)

I have sent several Notices regarding Equifax can no longer report Child Support or Judgements ( BANKRUPTCIES ) Equifax has continued to ignore and intentionally deny my Federally protected consumer rights and now are in violation pursuant to the FACT Act and to the FCRA XXXX amendments regarding : '' collection of an account '' permissible purpose to obtain a consumer report only when the collection is in connection with with a credit transaction. Equifax is still reporting STATE OF WASHINGON SUPPORT LAST REPORTED XX/XX/XXXX on TWO accounts on my Equifax Consumer Credit report and is showing a monthly payment of {$1600.00} Opened XXXX XXXX ( 3yrs, 6 mos ) and a monthly payment of {$10000.00} Opened XXXX XXXX ( 1yrs, 11 mos ). Equifax is clearly in violation of the FCRA XXXX AMENDMENTS as well as the FACT Act. I am now within my rights under 1692k to take lawful action ordering judgement. This NOTICE is given to the CFBP to pursue action against Equifax Information Services , LLC. I have enclosed a NOTICE OF VIOLATIONS/ FEE SCHEDULE showing each violation committed willfully against my federally protected consumer rights. I now seek monetary compensation as required by the FTC, CFBP AND Title 15 U.S. Code Chapter 41 Consumer Credit Protection I have also attached supporting documentation as proof of this violation
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

I was scammed on XXXX reported it to Navy Federal Credit Union . They returned the cash advances from my Credit Card that are issued by them. On XX/XX/2023, Navy Federal took {$1900.00} dollars from my VA XXXX check to pay to the scammers who also scammed money through my XXXX and XXXX XXXX accounts without my permission. I know that by law Chapter III if the Federal Code that the can not take my protected income that I pay my mortgage and car note with or money that I need to live off of. They have still not given any explanation as to how they are going to pay scammers with my protected income! Im asking that you make them return it so that I will be able to pay my bills!
Consumer complaint received 2018-10-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Byrider Franchising, LLC (WI)

XX/XX/XXXX at XXXX called work when i asked them not to XX/XX/XXXX around XXXX, XXXX  called my work when i asked them not to XX/XX/XXXX- called my human resources department to confirm i worked there XX/XX/XXXX- at XXXX called me again at work when & asked them not when when I have already told them not to
Consumer complaint received 2022-11-16
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. (PA)

This is my other 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 alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (MD)

I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.