davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Letter to Remove Inaccurate information This letter is to address the following credit bureaus, XXXX, Equifax and XXXX. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. 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. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed from my credit report.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX at approximately XXXX XXXX, I attempted to deposit two checks ( both written on the same account, both signed by my father, one for {$1.00} XXXX and the other for {$5.00} XXXX ) and {$400.00} cash into the ATM at the Bank of America branch on XXXX XXXX in XXXX, VA. The ATM accepted the cash but would not accept the check check for $ XXXX, giving the message that the amount was too large and it I proceeded, the check would be returned to me. I was unable to cancel the transaction, so I just waited and did nothing. The ATM kept my debit card, did not give me a receipt for the cash or either check, and did not return either check. 

Because the bank was not yet open, I immediately went home and called customer service and the representative entered a claim for me. The largest amount that the representatives can enter for a claim is {$99.00} XXXX, so that amount of the claim entered does not accurately reflect the disputed amount. 

At approximately XXXX XXXX that same morning, I went into the bank associated with that ATM and told them of the problem. They took no action, saying they did not have access to the ATM. However, the substitute bank manager did tell me that there is no dollar limit on check deposits to the ATM, so it makes no sense that my check was not accepted. 

Viewing my account online later that day, I saw that the {$400.00} cash and the check for {$5000.00} were accepted as deposits but there was nothing listed for the {$1.00} XXXX check. 

I have called everyday the bank was open since then ( today is XX/XX/XXXX ). The bank will not tell me why they would not deposit the check nor where the check is nor whether it will be returned to me. I have spoken to people at the branch as well as people who answer the phones for claims and none can provide these answers. 

I did receive a message via the bank web site stating, " The deposit contained an item that either was not a check or was otherwise unacceptable for deposit. '' I would like the check to be deposited into my account.
Consumer complaint received 2024-03-01
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)

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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

I've had a credit card with Citibank for several years and have maintained on-time payments consistently. However, due to a recent illness, I missed my payment to them that was due by XX/XX/XXXX. Starting on XX/XX/XXXX, I have received/been receiving no less than 4 and up to as many as 10+ phone calls PER DAY from this company. In the past week and a half, I've received more than 50 phone calls ( and a couple of emails ). Having just returned home from illness, my phone log, answering machine and voicemail service is flooded with these calls. I've tried accepting/returning calls and have gotten disconnected or unable to connect with them. I intend to make my next payment ( and missed payment ) within the next couple of days but I feel the harassment from this company is horrendous and is causing extreme stress and XXXX. I didn't think these companies were allowed to badger and harass clients to this extent ( thought that more than 2x/wk wasn't permitted ). I'm hoping someone can do something to stop/prevent them from continuing to do this to me or anyone else
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (TX)

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 have both violated my rights M15 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
Consumer complaint received 2022-11-18
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (TX)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-24
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc. (TX)

I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-18
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. (TX)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (OH)

After another failed attempt of tryin to get this debt validated with Penn Credit, my credit is heavily impacted by the erroneous information they are publishing. In a previous complaint with Penn Credit, I was given contact information for XXXX XXXX I've contacted this person several times as its stated in the company reply and I've yet to hear back from him. Because this company has completely failed to communicate with me and validate said debt, this debt needs to be removed from my credit report immediately. As stated in my original complaint, I have the right to request debt validation in which I asked for and still don't have. The company has been given ample amount of time to provide me with the requested information and has yet to do so. Due to the lack of communication and unwillingness to cooperate, I've contacted the original creditor in hopes of getting this resolved. Not only is Penn Credit reporting information that they have not validated, they are reporting inaccurate information. The law says during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against this company and the credit bureau responsible for reporting this violation. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BRite Financial Services, Inc. (MI)

This financial institution gave me a vehicle loan and as stated in the lease I was told that if i was ever to lose my job that i could turn in the vehicle and claim a financial hardship so that it would not go on my credit report. I have made numerous phone calls to contact XXXX who is supposed to he in charge of this and never recieved a reply. I have faxed them the documentation they requested from my previous employer stating that I no longer work there and every attempt I have made to contact them regarding this has been ignored and now this debt is in my credit report.
Consumer complaint received 2023-05-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (FL)

Since XXXX 2010 XXXX XXXX XXXX have been trying to collect an alleged {$1400.00} credit card debt from me. They have threatened me w/ a lawsuit to collect the debt without serving me at my residential address. They have obtained a default judgement because I not present at trial and I was not aware of the lawsuit against me. I disputed their debt and asked for verification bearing proof of my signature. They have failed. They sent a list of credit card statements instead. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>Till this day they continue to report derogatory information on all 3 of my credit reports listing charge off 's every month for the last 7 years damaging my credit worthiness. Given that XXXX XXXX XXXX acted in bad faith, and have not complied with federal and state laws, I told them I would file a small claims lawsuit to seek damages in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-01-06
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. (PA)

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 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.
Consumer complaint received 2021-01-06
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. (FL)

Hi, I figured out the the listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! I figured out in my credit report inquiries that I have never authorized. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-06
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)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

SOUTHWEST CREDIT SYSTEMS is report fraudulently on credit bureau. 

Reference Information Given Acct # XXXX $ XXXX Contract Date XX/XX/XXXX XX/XX/XXXX collection date Service Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This account is reporting to credit bureau fraudulently.
Consumer complaint received 2017-08-11
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. (GA)

I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.