davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I paid my bill every month on time!! And I get a late fee every month!! I call every time to get it taken off and get no where!! Ive paid late fees just to pay my account anyway!! The people I have spoken to never get anything accomplished with my complaint!! I closed the account due to this reason and they said they cant take off the final late fee because account is closed!! Its closed because this company is a scam!!!! No other credit card doesnt receive an online payment late but this scam Caesars rewards credit card!!! This is a scam company and I will continue to get a late fee even though my account was paid in full with a previous late fee!!! I cant say it enough but this company should be sued for scamming people who pay their bill!!! I just want this account XXXX balance!!!!!!!!!!! Its already closed and Im not paying for a late fee that I was not late paying
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

This is a new issue with Wells Fargo Bank. A refund ( {$210.00} ) from XXXX XXXX has disappeared from my account. The phone banker ( XXXX ) said, " They are aware of the problem, and it would be resolved today '' ... that was at XXXXXXXX XXXX. It is now XXXX XXXX and the funds have not been returned to my account. The phone banker also blamed XXXX and the merchant ( XXXX XXXX ), not the WF system. In XXXX days, {$710.00} have disappeared from my checking account, and no one at WF can fix the problem.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I already contacted the credit bureau agency on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information
Consumer complaint received 2023-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (FL)

Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Consumer complaint received 2023-10-27
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. (IN)

To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are several inquiries on my account that are fraudulent and is being reported by Equifax. I have disputed the account and Equifax did not remove the inaccuracies but state they will remain on the credit report for 2 yrs. I would like the inaccuracies removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXX did not provide me with a contract, a copy of my license or my social security number to prove this fraudulent account belongs to me. This account is reporting as a NEW CHARGE OFF and it is not accurate
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (MS)

I have tried to dispute this alleged debt with this company. Tower Loan refused to accept mail from me. I sent mail to the same address that they sent me mail from. Tower Loan continues to harass me about an alleged debt. Tower Loan continues to contact other people about this alleged debt. I am being harassed and I cant sleep at night. I am being emotionally abused. I have asked for documentary evidence of the alleged debt. None has been provided.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-07
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. (NC)

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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX  XXXX Balance : {$30.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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 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 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.

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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated 10-4-2023 as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter.

Despite my efforts to resolve this matter directly with [ Credit Reporting Agencys Name ], the requested action to exclude this information from my credit report has not been completed. I believe that Experian is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Experian for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter dated XXXX as evidence of my efforts to resolve this issue directly with Experian. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.
Consumer complaint received 2023-10-07
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: Cascade CISS Holdings, LLC (FL)

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX XXXX XXXX XXXX would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I have sent multiple letters to the credit bureaus stating that the inquires on my report were unauthorized and to remove them immediately. According to the Fair Credit Act all unverified and inaccurate items must be removed. Equifax has yet to provide me with proof stating that these inquires are factual. Ive also attached a copy of my etc report.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against XXXX XXXX  and XXXX XXXX XXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. 

I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and XXXX XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. 

Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and XXXX XXXX XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. 

Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and XXXX XXXX XXXX have infringed upon my privacy rights. 

Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations.

Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. 

I demand that XXXX XXXX  and XXXX XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account lXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Failure to provide these documents would indicate that they can not prove that anything is owed at all. 

Moreover, I want to highlight that XXXX XXXX  and XXXX XXXX XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. 

Neither XXXX XXXX  XXXX XXXX XXXX XXXX has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). 

Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Consumer complaint received 2023-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

There was an account opened at XXXX XXXX. I had asked for verification of the said account, and none was provided. Then a response from XXXX XXXX States that they no longer have this account, and it was turned over to Portfolio Recovery Ass. on XX/XX/2018. I have no knowledge of this Account in question. I tried to resolve this with Portfolio Recovery Ass..
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Back in XXXX i reached out to all 3 credit bureaus in regards to 2 frau accounts that do not belong on my files. They are a result from identity theft/fraud. per 15 usc 1681b you all are breaking the law. I did not authorize anyone to furnish this information, let alone FALSE INFORMATION AT THAT! This matter must be resolved properly and quickly because they are hindering me from getting my home. I should not have to suffer for accounts that do not belong to me and accounts that i did nit personally authorize myself.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The law of privacy 15 USC 1681 602 and # 4 theres a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy.

15 USC 1681 section 604 a # 2 Subject to subsection any consumer reporting agency May furnace a consumer report under the following circumstances 2 in accordance with the written instructions of the consumer to whom it relates.

15 us code 1681s -2 Reporting information with actual knowledge of error A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the fair crediting reporting act the list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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 a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX  Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed