davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (MD)

XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my XXXX, Experian, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX  XXXX deleted off my 3 credit reports with XXXX, Experian, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus XXXX, Experian, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.
Consumer complaint received 2023-01-12
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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX when I try to access my bank account it says my debit card is closed. I contacted chase customer service and they said my account is closed and they never told me the reason why they closed my account. At this time XXXX cant have access to my money because chase will not release my money at all. 
The amount chase holding from me is : {$3600.00} USD
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (MD)

XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my Equifax, XXXX, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, XXXX XXXX. 
I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that XXXX and the XXXX use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that XXXX sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received XXXX letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX XXXXXXXX deleted off my 3 credit reports with Equifax, XXXX, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus Equifax, XXXX, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.
Consumer complaint received 2023-03-31
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX XXXX XXXX california XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : XXXX5 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2023-03-31
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. (IL)

XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/2020 My consumer right has been voiolated according to 15 us code 1681 ... .. inaccurate information is listed on my report which should be deleted immediately
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (HI)

I opened a new business checking account with U.S. Bank on XX/XX/2023 ( see confirmation email ). They were running a promotion for up to {$750.00} for depositing {$15000.00} within 30 days and holding it in the account for 60 days ( see attached promotional screenshot ). 

I funded my new account with {$100.00} ( see attached bank info for XX/XX/2023 ), but could not access the funds or account until I received my debit card in the mail. After 10 business days, I still had not received any way to access my account or a debit card in the mail which I was told was the only way to set up my account in an area where there are no nearby branches. I live in XXXX, Hawaii, and there are not U. S. bank branch locations on island. I spent over 6 hours with customer service over the phone over the last few weeks to determine whether or not the debit card and new account information was mailed over. I was assured by one representative that it as being sent but have not received it. In the last 10 days I made two calls to customer service and was told that I would receive a call-back from a supervisor but I still have not received any contact from the bank. 

It is now XX/XX/XXXX and the 30-day deadline to deposit new funds as elapsed. They also have my {$100.00} opening deposit and I have no way to access those funds.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

There is currently an opened debt collection account on my credit report. I submitted a complaint on XX/XX/2022 in regards to this debt which was under XXXX XXXXXXXX XXXX for XXXX XXXX, amount of {$320.00}. I do not know who this company is, someone stole my identity to open this account. I see this debt was removed however, now it has appeared back onto my credit report under CREDENCE RESOURCE in the amount of {$340.00} ; original creator is XXXX XXXX, report indicates opened as of XX/XX/2022 ( the previous debt for XXXX XXXX was opened on XX/XX/2022. 
Please assist in removing this account permanently as this account does not belong to me. Also, I see someone is using all my personal information at an address XXXX XXXX XXXX XXXX XXXX, KS XXXX. I have never lived in any other state, only XXXX ; born and raised here, never moved out of XXXX, I have no association outside of XXXX. I have also received a fake STATE CONTROLLER piece of mail indicating I am owed some funds from an employer ( unclaimed property ) this is false. I have attached the letter and the envelope I received. Please see the address at the bottom of the letter which indicates the XXXX, KS address. Again, someone is using my personal information to open accounts and trying to steal money. I never responded to this STATE CONTROLLER letter. I have also attached another copy of the XXXX XXXX debt.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CFPB Case # XXXX XXXX This is to inform CFPB that capital one bank has refused to remove the {$1600.00} fraudulent charge by XXXX from my closed account : and has reported it to the credit bureau and collections. Thus, Capital one bank has brought down my credit score from " Excellent '' to " Fair ''. Consequently, I am forced to make payment arrangement with capital one bank to pay the debt, and then sue XXXX to recover my money.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
Consumer complaint received 2023-06-01
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XX/XX/2021.
Consumer complaint received 2022-11-29
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. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/year>, a scammer advertised a XXXX XXXX for sale for {$450.00}. Scammer asked me to send half of the funds on shipment and the rest on delivery. Scammer presented a tracking number indicating shipment of item and had me send over {$220.00} over XXXX. Upon sending, I checked the tracking number and it was a fake tracking number. I asked the scammer why the tracking was not valid and they immediately stopped responding and deleted their account. I have full transcript of the conversations between myself and the scammer that I will attach. 

I immediately filed a dispute with both XXXX as well as my Bank, Ally Bank ( XXXX XXXX ) when this occurred on XX/XX/year>. I sent over all supporting documentation, including transcripts that detailed how the scammer scammed me to send over {$220.00} via XXXX and immediately stopped responding after I inquired about the fake tracking number ( The full transcript is attached ). Ally just concluded their investigation on XX/XX/year> saying that it was not a scam. However, it remains that I have been a victim of a scam and have lost {$220.00}.
Consumer complaint received 2024-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast 2 Coast Financial Group, LLC (CA)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.