davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (CA)

Convenience checks should not be sent to card holders unsolicited, and THE CARD ISSUER SHOULD BE REQUIRED TO PROVIDE PROMINENT INSTRUCTIONS AND DIRECT PHONE NUMBERS FOR OPTING OUT. Opt-out should take effect immediately, not with a 30-day grace period for the card issuer. Unsolicited checks are a serious security risk, especially since a mail thief could cash the checks before the account holder is aware that unsolicited checks were sent. 

On XX/XX/year> I received XXXX unsolicited convenience checks associated with my Barclays Bank credit card without any information or phone number indicating that I could refuse the checks or opt out of future convenience check solicitations. The same day, it took XXXX tries calling the number on the back of my credit card to reach a live Barclays Bank customer service rep to enquire about opting out. The rep executed the opt-out order but told me that it could take 30 days for the opt-out to take effect.
Consumer complaint received 2022-10-19
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. (TX)

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from 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 any accounts and information 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 Open Date XX/XX/XXXX Balance XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-08
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. (NC)

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OR)

I have been back and forth with Wells Fargo regarding this account that is not mine I have attached an affidavit of signature provided to Wells Fargo in their response to my claim they stated that while the signatures show some differences they have proof the furniture was delivered to my XXXX XXXX XXXX address. I'm attaching Sale Remarks on the bottom of the invoice clearly stating it was NOT delivered to me but picked up at an XXXX location some XXXX plus miles away from me. I feel I have done all the investigation into this and have more then proved I did NOT make this purchase. 

XXXX XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (SC)

Debt collector, CAINE & WEINER has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my consumer reports without taking required actions. Please see the attachments.
Consumer complaint received 2023-09-28
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. (GA)

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reporting a continued issue with EXPERIAN credit reporting. I have on more than four ( 4 ) occasions contacted EXPERIAN to correct : 1. wrong personal information, ( name, address, phone number etc ) 2. inaccurate account information. Each of which was uploaded to EXPERIAN.

3. I requested communication ONLY through USPS and a new free copy of my credit report mailed to me with the updated info.

4, Experian now claims it is not me requesting them to correct their information when I send utility bill, drivers license and social security number! 

To date, nothing has been done. Experian has sent emails, rather than by USPS. I have been locked out of my EXPERIAN file for more than a year! When I try to sign it it tells me WE HAVE LOCKED YOUR ACCOUNT CALL ( XXXX ) XXXX NO ONE ANSWERS THAT PHONE NUMBER! 

EXPERIAN is not above the law and is in violation of fair credit reporting act ( FCRA ). 15 U.S.C. S 1681i I am asserting my rights to get this corrected and to gain access to my credit file immediately. These are nothing but stall methods and are subject to fines and compensation. I am requesting the consumer financial protection bureau to step in and help me get this corrected! 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-04
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. (VA)

I'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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 2024-03-22
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. (NY)

This is my follow up request regarding the inaccurate account in my credit file. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file. This is the account that needs attaention : XXXX XXXX XXXX XXXX Balance : {$810.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2023-09-04
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. (MO)

There are Two collections that are reporting on my account that are not my collections. These COLLECTIONS are also reporting PAST DUE BALANCES. 

XXXX XXXX XXXX XXXX - {$670.00} XXXX  XXXX XXXX XXXX {$390.00} There Are also unauthorized inquiries on my report.
Consumer complaint received 2023-09-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX, XXXX is foreclosing on our home over a debt that is from XX/XX/XXXX. Since XXXX they have not made any contact or attempted to collect the debt. Beginning in XXXX of XXXX they filed pre-foreclosure on the house without any prior notice or attempt to collect or settle the debt. 

XXXX XXXX XXXX, XXXX is practicing extreme and abusive collection practices. When attempts to contact the company have been made they intimidate, interrupt, and dismiss request for information. 

When attempting to settle the debt multiple requests to have offers reviewed have to be made before they follow due process. The loan being collected reached an interest maximum in XXXX and XXXX XXXX XXXX, XXXX continued to not attempt to collect the debt. They waited two years before with out any contact before beginning foreclosure. This has significantly affected the ability to pay back the debt.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My new holiday tradition is an exasperated phone call to my homeowner 's insurance agent to figure out what 5/3 is up to this time. For multiple consecutive years, 5/3 has not paid my homeowners insurance ( out of escrow ) before the policy expires. I receive no notice of any discrepancy or issue from 5/3, only a cancellation notice from the insurance company. I own 2 homes and I have never had this problem with my other mortgage ( different bank, same insurance company ), so I know the problem is not with the insurance company. In the past, 5/3 has claimed that the Declarations document provided by the insurance company doesn't contain the policy coverage amounts and deductibles, although this ( standard ) Declarations has always been sufficient for my other mortgage provider. I have solved the problem in the past by paying for the policy out-of-pocket and resending the same Declarations document originally provided with a verbal assurance that the amounts are indeed right there on the page. 5/3 then pays the insurance company weeks past the due date, who then refunds the money to me. This year, my insurance company has again notified me of an overdue notice and imminent cancellation. I have again been forced to pay out-of-pocket. As of XX/XX/2018, I have not been able to reach a human operator at 5/3 ( my phone log shows a 22 minute call today -- all of it in computer menus or on hold ).

It is easier to file this complaint than to directly interact and correct a simple issue with 5/3.

In my case, 5/3 has sufficiently demonstrated irresponsible management of mortgage escrow accounts and a consistent unwillingness to perform fundamental tasks associated with them. A quick search of CFPB site yields numerous similar complaints, some with far more serious consequences to the homeowner. It is not unreasonable to wonder how pervasive this behaviour is within the organization. I sincerely want to be dissuaded from escalating this, but just in case, I have begun drafting concurrent complaints for the Ohio Dept. of Commerce and the federal Office of the Comptroller of Currency.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-19
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. (TX)

This is XXXX XXXX submitting this CFPB Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from 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 any accounts and information 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 Open Date XX/XX/XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX  Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX 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 identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-19
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX XXXX XXXX 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 2022-10-19
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. (WI)

In accordance to the fair credit reporting act 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 has violated my right XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency to not furnish account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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. (TN)

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 2022-10-19
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: Experian Information Solutions Inc. (FL)

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

These listed accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 : 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 crime 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.