davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MI)

I got a letter dated XX/XX/ saying that youre closing the account and youre going to start a fraudulent investigation. Keep in mind Ive asked you to do this for the last XXXX months then I get multiple letters dated XX/XX/, so were talking about 24 hours or less youre telling me you investigated this fraud claim. Im just gon na be blunt. I dont believe you whoevers in charge of my case is made up their mind and clearly isnt willing to accept that. Maybe they were wrong for the life of me I dont know how you came to this conclusion. You said that the authorized user Use the card. No he did not authorize users was the one that was lost and used fraudulently but the authorized user didnt have it in his possession. He didnt use the card. Why do you think that we had the card? Do you have some proof that youre not sharing? If you started an investigation on XX/XX/XXXX. Why were the late charges in interest not removed why was there no provisional credits issued why does it say my account is past due if youre investigating oh wait you didnt actually investigate sent me a bunch of form letters, hoping that I would Decision and go away thats not gon na happen. We will end up in court before I pay a XXXX on this. This is ridiculous. We did not have a card in our possession. It was lost found Ive given you all this information multiple times over the phone advantage your questions I filled out your paperwork, and you dont even investigate because theres no way you investigated this less than 24 hours unless you have some proof you need to issue a full complete refund to this account. I just dont understand and these form letters that you keep sending me thats not helpful. This is terrible customer service you need to send me a real letter, explaining how youve come to your decision, considering that we were not in any of these locations during the time that these charges were made, we didnt have the card in our possession. Why do you think we did? Why have you not issued provisional credits? Why are you not investigating this for real why does it say my account is past XXXX it shouldnt say that if youre actually investigating it for fraud, or are you breaking the law and not investigating properly? Id like you to answer that question right here with the CFPB can see what you have to say. Ive done everything Im supposed to do.
Consumer complaint received 2024-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

50 States wide illigal deeding issuing frauding me and my families documents.

families documents in medical They FRAUDED XXXXXXXX XXXX XXXX XXXXXXXX transcripts and XXXX XXXX XXXX XXXXXXXX transcripts Herds listed as security guard scams against my 1 security guard card Land development ideas inserted my documents as land development ideas and towns XXXX  and as departments and schools and colleges and professors Herds of fraudulent attorneys and lawyers and judges frauding me and my families documents Herds of imposter identification population identification scams frauding me and my families documents in XXXX and in Sec.gov i only had 1 registration thru XXXX ( first was under XXXX then XXXX ) I am divorced out from XXXX XXXX XXXX of XXXX  XXXX In He was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX I won't authorize all 16 Countys wide listed in California to fraud my documents or as subdivisions there wanted for illigal deeding using my Cole documents and as add ons to my information
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-04-06
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. (TX)

I am submitting another complaint regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Consumer complaint received 2024-04-06
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. (FL)

This account from XXXX ( XXXX XXXX ) and XXXX do not belong to me. They have XXXX XXXX on there. My real name is XXXX, XXXX XXXX XXXX and I have my identification to show somebody use my Social Security number and switch my name around XXXX XXXX just got on my credit of XXXX  and it says his account was open in 2020 this is not mines and this is malicious identity theft. They use my name to open up to cell phones, one with XXXX and one with XXXX and its now in collections with XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

DELETE ALL FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

Elan Financial continues to show a paid off account that they wrote off on my credit report. Creditor never provided me with a 1099c and has written this debt off. Elan must conform with Form 1099 IRS regulations. Please provide me with a 1099c or and remove this from my credit report
Consumer complaint received 2024-04-06
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. (TN)

I am submitting to provide an update on my recent complaint regarding fraudulent activity affecting my credit report. In accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report with reference number XXXX. I have attached the necessary documents to support the removal of erroneous personal information and unauthorized inquiries from my report. Here is a list of items that were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by the consumer as resulting from alleged fraudulent activity within XXXX business days of receipt.
Consumer complaint received 2024-02-08
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 (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 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 written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account number XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/XXXX that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2024 Bank of America Dear XXXX , lam writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1.

15 USC 1681e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2.

15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX ( PRINT Your Name )
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I asked Bank of America to stop an electronic funds transfer from a company that I revoked authorization to do monthly EFT s. The eft 's are done on a Bank of America credit card where I have revoked authorization with the company to do these EFTs. Bank of America is allowing these EFTs to continue even though I have revoked authorization with Bank of America to stop these EFT s being taken from XXXX XXXX XXXX XXXX XXXX for {$260.00} every month.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Someone has been using my identity to open multiple accounts using my credit cards, including bank accounts. My wallet was stolen back in 2018 and several accounts were open in my name as a result using my information.
Consumer complaint received 2024-04-06
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-12
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. (TX)

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I sent experian a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately A