davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( b ) ( c-2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATIONThe accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 2. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 3. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 4. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 5. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 6. { XXXX XXXX XXXX XXXX XXXX XXXX  } XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 7. { CHILD SUPPORT ENFORCEMENT } { XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 8. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 9. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i XXXX. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 11. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 12. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address 2. NAME
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, Experian and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, Experian nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, Experian and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, Experian and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to 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. '' ( 15 USC 1681e ). 

However, XXXX, Experian and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, Experian and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Consumer complaint received 2023-01-30
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. (VA)

I sent out investigation letters to XXXX, Equifax, and XXXX on XX/XX/2019 ( Tracking # Equifax XXXX | XXXX XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received a response from them but not with all of the documents that I requested and they did not update the credit report as disputed. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

I will attach the response of the Bank of America
Consumer complaint received 2023-07-08
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. (NY)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid in series of transactions within a short period of time in XXXX XXXX. Part of the this amount, or USD XXXX, -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were initiated through my account with WELLS FARGO. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. On XXXX WELLS FARGO responded to me, but they failed to compensate me.
Consumer complaint received 2023-03-03
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$69.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-07-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I initially applied online for a BMO Alto XXXX XXXX at a rate of 4.80 % on XX/XX/year>. It was declined and I was instructed to try again later. I attempted to reapply several times over the next week and received the same message. Follow up emails from BMO provided no additional information. I called BMO Alto XXXX times on XX/XX/XXXX. I explained to them that I wanted to open an account by transferring {$250000.00} from another banking institution. I told them I has current accounts with XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I even offered to go into a local BMO branch and apply in person. I was told that accounts could only be opened online and since I had been declined, it would be impossible for me to do so, even though they were unable to tell me why I was declined so I could correct the problem. I also noted there were similar complaints online from other qualified applicants being declined online.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX, and experian will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
Consumer complaint received 2021-02-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

This complaint is connected to the one i filed ID XXXX, where they presented some documents that are partial or lacking some pages to it. I have some of the documents that they didn't submitted in response to my complaint.