davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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. (MI)

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, 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 2023-04-24
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. (NY)

Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit 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 in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2023-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I ordered a visa debt card with Bank of America and I tried to tell them that I want a design in my name only but they tell me no you can't because a family member has to get it as well I tried to tell them she does not want it she likes the default card I like to use the XXXX XXXX XXXX and they still never fixed my issue
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Total Auto Finance (MD)

Dear Total Auto Finance, I am writing to request investigation of the following : Contract # XXXX Dated XX/XX/2020 Dispute XXXX Down Payment Amount {$3500.00} Explanation on dispute : I Been Scammed. A contract for the vehicle stated a down payment amount {$3500.00}. However law states No cash should be exchanged with a successful credit transaction 15 USC 1679a-2 : Consumer Credit Transaction Credit was approved with multiple lenders ( Total Finance and XXXX XXXX XXXX XXXX was charge fraudulent charges and defrauded. 
15 USC 6802b : Obligation Will Respect To Disclose Personal Information
Consumer complaint received 2022-11-10
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. (TX)

On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to Experian and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and Experian show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.
Consumer complaint received 2022-11-10
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: MOHELA (TX)

On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 9 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that. Today I went to the bank, I was completely ignored and they don't find a solution for the case.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EQUIFAX : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX  XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$400.00}
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened an additional insurance claim when I already insurance on added the amount to my monthly premium. When I refuse to pay additional amount, Wells Fargo marked my credit report as me paying car loan 'late '. 

Well Fargo made hundreds of harassing calls to me and when I filed my 1st CFPB complaint XXXX. Wells Fargo informed me that they lost all the records of the calls they made to me. 

Moreover Wells Fargo gave no relief to 2 charge offs on my credit report within 3 months of each other. 

Wells Fargo sent me the title to vehicle I took loan out on with no explanation or apology for what happened at their company with the false insurance. 

Wells Fargo claims they owe me nothing and the case is closed. How convenient.
Consumer complaint received 2023-01-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2022-11-10
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX, XXXXXXXX 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.
Consumer complaint received 2023-08-08
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. (NE)

I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-11-10
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 XXXX XXXX XXXX XXXX OF XXXX 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 wihtout 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, 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 innaccurate.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are unauthorized hard inquiries from cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have submitted a formal dispute in writing, whereby Portfolio Recovery Associates ( PRA ) has ignored my request to validate the alleged debt, and instead forwarded the dispute to XXXX XXXX from whom they purchased the alleged debt. This is unacceptable! 

I am writing to address the potential false information that Portfolio Recovery Associates , LLC has reported in my credit report, despite my previous attempts to rectify this matter. The potential inaccurate item has not been removed, which if found to be inaccurate, is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

It has come to my attention that Portfolio Recovery Associates , LLC purchased an alleged debt on my behalf from XXXX XXXX XXXX, absolving me of any obligation or responsibility in regards to the alleged debt. To further prove my case, there exists no contractual agreement between myself and Portfolio Recovery Associates. I want to emphasize that I have never entered into any financial agreement or contract with Portfolio Recovery Associates , LLC and therefore, the claim of {$430.00} lacks any valid basis or legal documentation. 

I demand that Portfolio Recovery Associates provide concrete evidence, which is the actual accounting and signed agreement between myself and Portfolio Recovery Associates that validates my obligation of the alleged debt of {$430.00}. A credit card statement is not evidence of any obligation I have to Portfolio Recovery Associates. 

If such information can not be validated, I hereby demand the information be removed from my credit report. I also demand written confirmation of the removal of said items from my credit report. 

Under the provisions of the FCRA, I am entitled to take further legal action if Portfolio Recovery Associates , LLC fails to comply with its obligations. This includes, but is not limited to pursuing litigation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for the unlawful reporting of false information and refusal to correct the inaccurate item. 

I will hold Portfolio Recovery Associates responsible for any resulting damages, including costs associated with legal representation, loss of opportunities, and additional financial distress caused by the companies ' actions.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (WV)

I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.
Consumer complaint received 2023-04-24
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: CL Holdings LLC (VA)

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 an account without my written instructions. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) Jefferson Capital SYST ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If XXXX XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If XXXX XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-27
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. (IN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (MN)

Banks Chose to not Verify XXXX XXXX  and XXXX XXXX XXXX  the Bank refuse to verify any class of people they dont like the Banks Violate Fedral and State Laws and International Laws when Bank make zero effort to verify people that are not easely Verifiable excluding Clases of XXXX  XXXX and XXXX XXXX XXXX  ..... 
I have a XXXX Credit Score there 100 % no Valid Reason the bank cant Verify me, The Bank Should request a Coppy of my ID and Utility Bills I Tried to Open a High Intrest Savings acount with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nobody can verify me. 

The Banks Can Only Verify People that own Houses and Have Steady Jobs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX