davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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: Bread Financial Holdings, Inc. (PA)

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Consumer complaint received 2023-10-09
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. (AZ)

I had multiple Hard credit checks that were fraudulently ran. 
I never authorized multiple hard credit checks and for the ones I recognize they were only supposed to be soft credit checks not hard inquiries. 
Experian is refusing to allow me to dispute them for fraud because they said its not associated with identity theft because I a disputing that they were not authorized as hard checks but rather soft inquiries. Also some were made in error and when calling the companies involved they had no issue with having them removed and informed me to initiate the dispute to dispute them with Experian to have them removed.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

XX/XX/XXXX I payed for a hotel stay at inn of the XXXX XXXX. {$160.00} for one night. We ended up having to clean the room ourselves. Just to bathe it took 4 hours of scrubbing with cleaning products I had to purchase cause I couldn't get help from desk. The whole room was ridden with unknown bodily fluids. I have pictures of it all. The hotel offered 50 percent refund which I declined wanting 100 %. Called chime Bank to dispute on XX/XX/XXXX. As per their own policy. In the 10th day if investigating is still happening I would be provided temporary provisional credit. It's now XXXX. N they are just not cooperating and the investigation is still ongoing. I want my money back. I need it. Make them play by the rules please. I've been very patient with them and it seems as if you cfpb are the only ones that make them fall in line. Please do your thing and help me out. Thank you Ps. The photos Are All before we cleaned. There's way more I can provide. It takes so long to upload one at a time. The cupboard looking pic is the shower room ... ..yukk
Consumer complaint received 2018-05-06
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following credit hard inquiries on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018. The following collection account is fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX, XXXX.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I am XXXX and was forced to retire for a medical condition, I talked to XXXX XXXX  Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, XXXX XXXX would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing XXXX  times now, then every week or so XXXX XXXX sends me information about my credit score ... I'm old  and I can't take the mental anquish. My car has a XXXX year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO. (PA)

I have filed 2 complaints against Ford with the CFPB # XXXX & XXXX. 

Ford is providing fraudulent information to the CFPB to avoid accountability and close my complaints. 
My proof- Document A- Ford Motor Lease extension agreement dated XX/XX/2017 extending my lease to XX/XX/2017. The name & extension of the Ford representative is listed on the document. 

Document B- Ford 's Confirmation of receipt of the lease extension.

Document C-A confirmation from Ford for my lease payment of {$320.00} on XX/XX/2017. 

This contradicts Ford 's response that on XX/XX/2017 they agreed to a lease extension but I never returned the document. 

I had a lease with Ford until XX/XX/2017 proof of this is attached. 
All payments were up to date proof attached Document D- illegal repossession of my vehicle on XX/XX/2017 My family 's personal items were in the vehicle. XXXX XXXX XXXX refused to return my property. 

On XX/XX/2017 XXXX Police Department officer XXXX XXXX filed a report # XXXX stating that no notice of a repossession was reported from Ford. which is usually the procedure. He stated that he never saw a repossession at XXXX on a Sunday morning without notifying the police. He reported the vehicle as stolen. 

Please, I am putting my trust in the CFPB to help me resolve this
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,
Consumer complaint received 2023-05-16
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: Credence Resource Management, LLC (AZ)

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA Account Number : XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, 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. (IL)

I never authorized these inquiries : XXXX XXXX  XX/XX/XXXX ( Transunion ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XX/XX/XXXX ( XXXX )
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I recently became aware of a partial claim resulting in a subordinate mortgage from XX/XX/XXXX. I was in the midst of selling my home when my lawyer asked me to get my payoffs for my original mortgage and subordinate mortgage. I was expecting the payoff for my subordinate mortgage to be {$31000.00}. I was disturbed to find out that the payoff amount was {$46000.00}. I called the number on the payoff email. That number stated if I wanted to speak with someone please dial another number. When I got someone on the phone, they let me know that there were not one but two partial claims. She helped me understand the portal would have all the documents regarding the partial claims from XXXX and XXXX. I found the documents and reached out to the servicer that was managing my account during that period, Flagstar Bank. 

During my first call with them, I explained what I understood to be the case, I had a loan modification in XXXX and asked why there was a simultaneous partial claim resulting in a subordinate mortgage for {$15000.00}. The loan modification was recorded with the county but the subordinate mortgage was not. I let them know that I felt like the partial claim document was buried in the loan modification paperwork which is why they have the same signature, date, and notarization. After a lengthy hold the explained that the loan modification got me back on track with the mortgage but could not explain the subordinate mortgage. They thought for some reason I had some type of second loan or a HELOC. I requested the documentation for the loan modification, subordinate mortgage, and the history of my account for XXXX. I should have requested the history for XXXX. I received the XXXX document for the loan modification and subordinate mortgage. I had to wait for the history. 

I called to follow up on the history and I was told no one looked at the request yet. I was instructed to email XXXX. They will be able to expedite my request. That same day I received documents from them the same day. Much of the information was screenshots that weren't 100 % clear so I sent an email to XXXX to get answers. The response I received was they were not willing to answer any questions.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with LVNV Funding LLC, XXXX XXXX  or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : LVNV Funding LLC, XXXX XXXX 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. 
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. 
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with LVNV Funding LLC, XXXX XXXX or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by LVNV Funding LLC, XXXX XXXX and XXXX XXXX XXXX. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

My Uncle bought me a {$100.00} Amex gift card which costs $ XXXX XXXX and change activation fee. As soon as it was activated an hour later the card was used in several locations from an unauthorized user, one of the merchants being mid journey. Keep in mind I received the card hours later it was used and opened it up from the package a week later to find out that there was {$9.00} and change left. I called Amex and explained the situation to them and they looked into the case and said they will email the determination of the dispute/case. The response Email I received back only said your funds from the merchant couldnt be salvaged, we are sending you a card back with {$10.00} on it. Obviously I called Amex back and they told me that they cant do anything because they werent able to salvage the funds from the merchant. I asked them to confirm if it was a fraudulent case and from where did it occur and they gave me no detail.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification.

Best Regards,
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ).

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.