davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows my address : there should only be one. 
Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached a recent copy of my ( Bank statement, utility bill, ) for your verification.
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ). 

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ). 

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Repeated calls before XXXX or after XXXX. 

AFTER asking the company not to contact me until the debt has been verified. 

I have not received verification of the debt, but receive 1-2 calls per day still.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

I don't remember exactly what happened, but I've gotten some mistakes that there trying to get money off of me for something I wasn't accepting, an offered by the University, or schools that are asking me to do all of this and waste my time.
Consumer complaint received 2022-12-12
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. (AR)

Recently I disputed an account with Equifax and Equifax replied back saying that the account was verified. 



However, Equifax have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my Equifax credit report as a child support account when its an old utility account. If the proper investigation was done whom did Equifax get this information from that it was a child support case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that Equifax is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.
Consumer complaint received 2022-10-26
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. (PA)

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 XXXX XXXX XXXX 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 : 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 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX
Consumer complaint received 2023-04-23
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: Bread Financial Holdings, Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Agency of Credit Control (CO)

This credit agency has called my place of work repeatedly, and now has publicized a debt that I do not know about by dropping off a piece of paper at my place of work for everyone to see. This paperwork seems to also threaten me with a court appearance over a debt.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

I receive a deposit from XXXX by mistake from XXXX XXXX dollars ... On XX/XX/2023 So the person contac me and explain me then she was a mistake and ask for that money I checked the transaction and ok the money was on my account so i give her my address and I pay to her the XXXX hundreds dollar.but on XXXX/my bank take from my account XXXX XXXX dollars they set they send that money to XXXX XXXX from XXXX XXXX XXXX I contac to XXXX XXXX and we're going together to ask for the money to XXXX XXXXXXXX XXXX  but XXXX XXXX sey they don't have that money so we wan to know were it's the money thanks for your help bos telephone numbers my and her are ready to share any time
Consumer complaint received 2022-12-12
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. (LA)

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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- ( 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 2022-10-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being.

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the corrections made to my credit report.

I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights.

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX XX/XX/2023.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MT)

I am writing to file a complaint and demand that AMERICAN EXPRESS promptly address and rectify the numerous violations of federal law that have taken place concerning my account. I expect AMERICAN EXPRESS to provide a swift resolution as outlined in this letter. Failure to do so will leave me with no choice but to initiate arbitration proceedings. 

Violation of 15 U.S. Code 1691 ( a ) - Discrimination : AMERICAN EXPRESS ' arbitrary reduction of my credit limit without any valid reason or due process specifically targets me. Such actions directly contradict the provisions of this federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. AMERICAN EXPRESS ' decision to decrease my credit line without my authorization, knowledge, or benefit directly violates federal law and represents a breach of fiduciary duty. 

Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : AMERICAN EXPRESS asserts compliance with the Equal Credit Opportunity Act and all other applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors outlined in a document from AMERICAN EXPRESS dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). AMERICAN EXPRESS has engaged in prohibited discrimination against me by utilizing information obtained illicitly from consumer reports. This conduct also violates the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ), as my nonpublic personal information was disclosed without written consent.

Previous Violations of Federal Law and Damages : Furthermore, I wish to bring your attention to previous violations of federal law referenced in CFPB complaint ID XXXX XXXX. These violations include infractions of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have experienced financial harm, mental anguish, emotional distress, and an inability to provide for my family, make essential household repairs or improvements, or invest in my business during the XXXX pandemic when financial assistance was crucial. 

None of the complaints I filed with the Consumer Financial Protection Bureau have been satisfactorily resolved. Below, I have listed all the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX It is vital to acknowledge that AMERICAN EXPRESS ' actions have resulted in multiple violations of 15 U.S. Code 1681o ( a ) - Civil liability for negligent noncompliance. 

Due to the severity of these violations and the extent of the damages suffered, my demand for remedy is outlined below in detail. 

I appreciate your immediate attention to this matter. 

Thank you.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (PA)

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, U.S Department of Education : # 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 : 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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

When I was a XXXX  at the XXXX XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, which I have never lived in. With my stolen identity, they maxed out XXXX credit cards and never paid any of the balance. One was a Saks Fifth Avenue card and the other was a Capital One Walmart Rewards card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by Capital One 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, XXXX  with time stamp, date stamp and XXXX location stamp. I physically wasn't present in the Walmart located in XXXX XXXX and Capital One did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when Capital One decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. Capital One refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from XXXX and Capital One is deeming it my fault and therefore won't let me remove this address from my credit file which Capital One did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that Capital One has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of XXXX  and was used XX/XX/2022 and it was used with a physical card at a Walmart in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, XXXX. I will be attaching proof of time stamped, date stamped and XXXX  stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (IL)

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 7DAY RESOLUTION PLEASE DELETE AND REMOVE THE FOLLOWING ITEMS FROM MY CONSUMER REPORT IN THE NEXT 7 DAYS.