davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (KY)

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

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 : Capital One acct number XXXX, XXXX Acct number XXXX, and XXXX acct number 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 an 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 2024-02-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Propel, Inc. (LA)

Hi call the company and dispute a translations for nonpayment of ATM and the company close my account and I try not to give me my money back they do not want to give me my money back
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-06
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. (NC)

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 open by me. This has been hurting me significantly 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 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (IL)

Over winter break from college I started receiving calls from an unknown number. They claim to be a debt collector trying to collect debt in my name, but with my parents phone number and address. They wouldn't tell me about the debt over the phone unless they could " validate my identity '' by me providing the last 4 of my SSN or my address, etc.. 

It sounded like a scam and we refused to provide my personal information and they refused to identify themselves as a debt collector. With their purported company name, it sounded like a law firm. However, they would not provide any information over the phone until I did. We asked them to provide the last 4 of my SSN ( which they were requesting ) and they gave 4 numbers but were incorrect. This further convinces us this is a scam. 

Subsequently we received a letter from the same (? ) outfit, claiming to be McCarthy, Burgess & Wolff- a debt collector. It claims I owed {$2500.00} to XXXX XXXX as of XX/XX/XXXX plus {$450.00} interest ( to date ) for a total of {$2900.00}. 

We subsequently contacted XXXX XXXX XXXX XXXX and searched for the account number referenced and were told we owe no balance to XXXXXXXX XXXX XXXX XXXX, that the account number is an old account number, and that XXXX does NOT use debt collectors. 

As we still don't know anything about this debt, and based on what an hour on the phone with XXXX informed us, we believe there is no debt owed. 

The letter purporting to be from XXXX XXXX XXXX XXXXXXXX states that we can write to them by XXXX ( today ) and dispute this debt and request additional information on why they believe there is any debt or the validity of the debt. 

Immediately after sending this information to CFPB at portal.ConsumerFinance.gov we intend to email XXXX XXXX XXXX at their stated email address and include this complaint number along with our demand that they provide us the requested information and stop calling and contacting XXXX until they comply with that request. 

The bills for XXXX and XXXX XXXX have always been in the names of XXXX 's parents. If they are indeed responsible, it should be noted that elderly & XXXX exclusions apply in this matter.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (GA)

XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy heart that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Consumer complaint received 2023-09-18
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (SC)

Here are the discrepancies on this credit account! 

XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX XXXX XXXX - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : XXXX XXXX XXXX XXXX  : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX : {$62.00} {$0.00} XXXX XXXX  : {$750.00} {$750.00} Past Due : {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Consumer disputes- reinvestigation in progress Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Here are the discrepancies observed between the XXXX and XXXX credit account information for KIKOFF LENDING LLC : Account Status : XXXX lists the account as " XXXX '' XXXX lists it as " XXXX. '' High Credit : XXXX reports a high credit of {$62.00}. 
XXXX reports a high credit of {$0.00}. 
Last Reported : XXXX last reported on XX/XX/XXXX. 
XXXX last reported on XX/XX/XXXX. 
Date Last Active : XXXX indicates the date last active as XX/XX/XXXX. 
XXXX indicates it as XX/XX/XXXX. 
Date of Last Payment : XXXX indicates the date of last payment as XX/XX/XXXX. 
XXXX indicates it as XX/XX/XXXX. 
XXXX XXXX XXXX : XXXX lists payments as being XXXX days late in the most recent XXXX months, a XXXX late payment previously, followed by a series of " OK '' ( on-time payments ). 
XXXX reports all payments as " OK '' ( on-time ), indicating no late payments.
Consumer complaint received 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on my credit report I want you to know that I understand my financial obligations, and if it werent for covid 19 and the pandemic I would have been an exceptional customer. unfortunately I suffer from an XXXX XXXX and each time I had XXXX XXXX it was very hard to recover. Between XX/XX/2021- until now I have had XXXX 3 times. Causing me to be out of work on and off which lead to me being laid off. I made a mistake in falling behind, but since then, I am officially a career employee at the postal service no longer temporary. I am healthy and making a very good income that is stable and permanent. I know based on the cares act and based on the 15 us code 1681 s-2 late payments during COVID late payments were not necessarily being reported to the credit bureau XXXX there was an agreement with the creditor. However I have late payments through the whole duration of COVID 19 even with speaking with XXXX and applying for loan extensions. All XXXX that I spoke to said it would not reflect on my credit. 
Im planning to apply for a home loan and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments for that duration. I also I have proof that prior to coming to capital one which was right before COVID hit I had a vehicle loan with GM XXXX and I was never late ever. Covid really took over for me. I am also willing to pay for deletion as well. 
Thank you for your consideration, and I hope youll approve my request.
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: SANTANDER HOLDINGS USA, INC. (NC)

I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as SANTANDER account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.
Consumer complaint received 2023-09-28
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. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-05
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. (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. Has Violated my rights. 

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 a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of more 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NE)

These were fraudulent inquiries on my account. I advised Experian that my ex continues to use my information to get things in my name. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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 an 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 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (CO)

I had a reposession of a vehicle in XXXX. The vehicle was sold at auction and I was left to pay the difference which was {$8100.00}. The difference was wrapped up in a chapter XXXX bankruptcy that was discharged in XXXX of XXXX ( See court documents XXXX  XXXX  of XXXX  ). 

On the " Transunion '' credit report it shows that the account in question ( XXXX XXXX ) is a " Repo '' NOT discharges with the bankruptcy. XXXX is showing the same account, However, It states that it was discharged in the bankruptcy which is correct. The incorrect reporting from " Transunion '' has caused issues getting a loan for a car and most recently a Mortgage Loan. 

I have disputed this XXXX  times over the last few months with " Transunion '' and everytime it comes back as verified with no changes. I have uploaded the Bankruptcy Court Documents to their website, verifying that XXXX XXXX ( the creditor ) was Discharged. I have personally contacted the creditor via phone and email to have them report again to Transunion ( See XXXX Transcripts XXXX seperate files ). The creditor has been working with me to resolve this matter but " Transunion '' will not report correctly. 

I have contacted Transunion via Phone and talked to several people regarding this matter and got no results. They acctually referred me to you and gave me your phone number. 

I was ok with Transunion updating the account and reporting correctly. But at this point I would just like to have the XXXX XXXX XXXX completely removed from my account.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

i opened an special account at wells fargo 2018 i was not able to use the account. I have filed treasury direct forms in which were signature guaranteed. Instead informing me of anything my account was closed. All accounts payable and all accounts receivable how do they get to use my credit and if im the principal how is it i can use my account under penalty of perjury. They have not given any information on my account since why it was even closed.