davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX ; XXXX - XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-10
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. (FL)

I previously disputed this account and Experian has not been able to verify this account on multiple occasions. Instead of deleting the account because I have no knowledge of the account and it doesn't belong to me, Experian listed the account as " Unable to locate the individual '' This doesn't make sense. If your " Unable to locate the rightfully individual owner of the account, why is it listed on " My Account '' this is FRAUD because you are knowingly and wrongfully placing an account on someone you know is not the owner. 
Account Name-XXXX  XXXXXXXX XXXX Acct XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
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 — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have sent XXXX XXXXl a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MS)

XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Somehow someone in XXXX  withdrew all of my money from an atm. I still had my card on me and never gave out information. I live in XXXX XXXX. The withdrawals were {$500.00} and {$1000.00}. I reported this to chime and even got a police report. They told me that they were going to investigate this and that I would definitely get my money back. A few hours later, I got emails for both disputed charges at the same time. They both said that they found that no error occurred and that no funds will be credited to me. I looked online and this apparently happened all the time with this company. Someone stole my info from them and cleaned my account out and they wont do a thing. Please help. Thank you!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2018-11-26
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: Experian Information Solutions Inc. (MI)

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, Experian, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (KY)

I received an American Express gift card I have been unsuccessful to even use the card at all although upon attempts adding the card to XXXX wallet and also attempting to use the card to pay at checkout for XXXX and even other companies I am continuously being charged XXXX cents here or XXXX cents there for no valid reason I could figure so now my gift card has lost monetary value still can't use at checkout
Consumer complaint received 2023-05-04
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Every time I apply with a company, they denied me of credit and they said that my credit report, and my credit history is stopping me from getting a sense of credit but but title 15 subsection title 1611 false and misleading denial of my own credit
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. 
The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from XXXX XXXX XXXX  personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from XXXX XXXX XXXX that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AL)

CREDIT SYSTEMS INTL IN  XXXX This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (IL)

Called two different times XXXX pm XX/XX/year> and at XXXX am XX/XX/year> and received different transactions made and different amounts. The account information given to me changed each time I called. The account does not provide a beginning balance and the ending balance for the month. It's a rollover. It shows the amount deposited and the transaction amounts do not add. The name XXXX XXXX appears on statement, I don't have a XXXX XXXX account.
Consumer complaint received 2021-04-28
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: Elevate Recoveries, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... ELEVATE RECO ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

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 as a XXXX XXXX  member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : USAA Federal Savings B - XXXX XXXX : USAA Federal Savings Ban
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

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, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

Was charged a late fee. Requested to be waived. Was told that for some customers the fee was waived but not for me. Never been late, always paid more than my minimum and late fee was not waived as courtesy but for others is.
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint against XXXX XXXX for Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing this complaint to bring to your attention the egregious violations committed by XXXX XXXX, a company engaged in unfair and deceptive business practices. My complaint is grounded in the violations of various consumer protection laws, including but not limited to 16 CFR 313, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 16 CFR 433.4, 16 CFR 433.5, 15 USC 6801, 15 USC 6802, 15 USC 1681, the Privacy Act of 1974, the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Act. 

I recently discovered that XXXX XXXX has been reporting my transaction history to XXXX, XXXX, and Equifax without my explicit authorization. This unauthorized reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, the following violations have occurred : 16 CFR 313 - Privacy of Consumer Financial Information : XXXX XXXX has failed to provide proper notice and opt-out mechanisms as required under 16 CFR 313. Moreover, the company has neglected to obtain my explicit consent before disclosing my nonpublic personal information to credit reporting agencies. 

16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses : XXXX XXXX has violated this regulation by reporting inaccurate and unauthorized information to credit reporting agencies, damaging my credit history and causing harm to my financial reputation.

15 USC 6801 and 15 USC 6802 - Protection of Nonpublic Personal Information : XXXX XXXX has failed to implement and maintain reasonable procedures to protect the confidentiality and security of my nonpublic personal information. 

15 USC 1681- Fair Credit Reporting Act : The company has unlawfully reported inaccurate information without obtaining the required authorization, thus violating the FCRA. 

Fair Debt Collection Act : If XXXX XXXX is attempting to collect a debt, the company must adhere to the Fair Debt Collection Act, which includes providing accurate information and validating the debt upon request. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their blatant disregard of consumer protection laws. I also request that you ensure the correction of any inaccuracies reported to credit bureaus and the cessation of unauthorized reporting. 

Thank you for your prompt attention to this matter. I believe your intervention is crucial to protecting consumers and upholding the integrity of the laws designed to safeguard their rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I had opened a TD Bank XXXXhecking & Savings Account about a week ago. I opened it online and had to go into my local branch in person to get my debit card for the account so i can start using it. After about 2-3 days, my account was locked and so was my debit card, and was not able to perform transactions with the card. I had called TDs customer service the same day that it happened and they had told me that they had closed it, saying that it has something to do with my identity/fraud, i never got an exact reason. I went to another branch by my job two days in a row, because i still have money in that account and i was trying to figure out why my account was even closed in the first place. I found out the fraud team for TD looked over my account and decided to close it, with no exact reason as to why. I had just opened the account and barely had it for less than a week and was not given a notice about it at all. I feel like they wrongfully closed my account, and they did not send me any email or call me about it. They have not gotten back to me about the issue and if i can even get my account opened back up again, or if i cant if they are able to send me the funds that i still have in the account that i can not even access.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WA)

I contacted this company chime in XXXX while I was traveling because I had a slot of account activity I was noticing money disappearing I requested to have it investigated and I told them I was gon na have it investigated they immediately shut my account down while I was driving cross country I had no money for 8 weeks and no way to get home I had to call for help because of this incident the refused to open the account and give me my money in a timely fashion now I see a lawsuit and they failed to notify me I never was aware of it