davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NJ)

Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in XX/XX/XXXX. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Consumer complaint received 2023-07-19
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NJ)

I received a letter dated XX/XX/2022, that " I tried to open a credit card for the store, XXXX 's XXXX  '', but that the application was not approved as " further information was necessary for confirmation. '' I never, nor would I ever, apply for this store-based credit card. This is credit card fraud and identity theft. 

The letter was sent from Comenity Bank XXXX Account Protection Team ), which I have tried to call four times alone today, of which, they continuously place me on ridiculous wait times so that I give up. The letter is requesting the fraudulent person to call the bank within 14 days, so that the account can be reviewed and approved. 

This is identity theft and fraud, and I would like this to be addressed. Thank you for your assistance. 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.
Consumer complaint received 2024-04-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
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. (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 corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP (CA)

I received a collection letter from Cawley & Bergman. After attempting over ten calls weekly, I could not speak to a live person. The recording asked to leave a name and phone number. After making a few phone calls directly to the creditor I was able to confirm that the account Cawley & Bergman states it's mine is incorrect. I have attached my communication with the original creditor. 

Thank you,
Consumer complaint received 2024-04-09
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)

This is my NUMEROUS 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 Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
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. (CA)

In accordance to the fair credit reporting act 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.
Consumer complaint received 2018-04-16
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. (FL)

I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (WV)

XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

I submitted a complaint against Hunter Warfield, for not contacting me and providing the validation letter from the alleged creditor. It is 30 days later, and I still have not received the following notice : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX ) to ( Hunter Warfield ) authorizing ( Hunter Warfield ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are.
Consumer complaint received 2022-10-25
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: DISCOVER BANK (NY)

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} Discover Bank {$1500.00}
Consumer complaint received 2022-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft Capital One {$1800.00} XXXX XXXX  {$1500.00}
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I disputed a XXXX XXXX bankruptcy, and the credit bureaus said it was verified through XXXX XXXX. I called XXXX XXXX and they do not show that bankruptcy on my account/record at all.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a XXXX XXXX bankruptcy, and the credit bureaus said it was verified through XXXX XXXX. I called XXXX XXXX and they do not show that bankruptcy on my account/record at all.
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (DC)

XXXX XXXX a Florida lawyer and debt collector with XXXX XXXX XXXX  XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX and XXXX XXXX from First Federal Credit Control in XXXX, OH kept trying to collect {$3200.00} in medical debt that I did not owe and had been paid by my insurance company. I called and wrote them both and told them my insurance had paid but they put the onus on me to prove it and I finally did but had to call them numerous times and send them information. They tried to intimidate me into paying for debt I didn't owe and if weren't able to fight back, they would have ruined by credit rating.
Consumer complaint received 2024-04-09
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: ALLY FINANCIAL INC. (NC)

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AR)

the XXXX XXXX XXXX services has did an unlawful transfer with a third-party company called XXXX they loaded funds that had no consent, and they had no authority to do such transaction by their policy that clearly states no reloads. Hey then allowed fraud to happen and allowed thieves to take my funds while knowing that these transactions was fraud and without consent.in the amount over XXXX USA Dollars. Hey investigators are unregistered and untrained. Hey, denied all my claims requesting refund of all my money. Congressman XXXX XXXX has also reported that this company stole funds from XXXX. And they still ignored this. Title 1028 shows they are in fraud title 15 1681a shows they violated due process and the permissible purpose. And agreements with in the polices. Hey, shall repay all funds or sue shall be out come they must show how they was able to deal with a third-party XXXX and load funds while they policy state they can not reply back to XXXX in . 72 hours has been given because this company has violated the government and XXXX by fraud actions that they knew was abuse of laws and rights. XXXX is in violation of sending funds to this company without consent and power by policy. Both companies shall pay for every violation they have done they shall send a cash year check in the amount of XXXX Usa dollars in 10 ten days or claim for injuries will go up much higher than requested under the emergency act XXXX request the foreign agent register act of 1938 and anti-bribery act statements for public records or close the business done as computation practices, fraud. XXXX rights affidavit of fact vs theses violators
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America in XXXX received a transaction I mailed to them per their request. On XX/XX/XXXX, Bank of America in XXXX sent via XXXX, a mailer with my transaction that I had sent to Bank of America in XXXX on XX/XX/XXXX. This XXXX package, addressed to me, was routed to XXXX XXXX XXXX XXXX in XXXX, XXXX My transaction had nothing whatsoever to do with XXXX XXXX XXXX XXXX. My XXXX  package was received in XXXX on XX/XX/XXXX at XXXX XXXX.. At XXXX XXXX., my package was delivered to my mailbox in XXXX XXXX XXXX XXXX XXXX approximately 5 miles away. Tracking is available to show that the two shipment labels were made concurrently ; one from XXXX, and one from XXXX, XXXX The package that was received by XXXX XXXX XXXX had my transaction in it from Bank of America that included a negotiable instrument of {>= $1,000,000}. This negotiable instrument is treated as a cash item by the XXXX XXXX XXXX, and may be sent as an offset via a facsimile or photocopy of the original instrument per XXXX XXXX XXXX  XXXX number XXXX. I spoke with the manager at XXXX XXXX XXXX in XXXX XXXX  who informed me that their branch works regularly with the Bank of America Branch in XXXX, XXXX where my checking account is located. There is already an investigation of the original transaction ongoing. # XXXX that I submitted on XX/XX/XXXX.
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (DE)

I contacted CFPB about a debt collection notice I received from XXXX XXXX XXXX. The account they were trying to collect on was fake. It was for a Citibank credit card that I never opened. I filed the complaint with CFPB. XXXX responded that they purchased the debt from Citibank and insisted I contact them to resolve the debt. Citibank later responded acknowledging that the account was falsely opened and stated that they would recall the account from XXXX XXXX XXXX. Both also CLAIM that they have not damaged my credit. 

If Citibank is acknowledging that the account is fake and that they're recalling the account from XXXX, why is XXXX claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
Consumer complaint received 2022-10-25
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. (NY)

I am, XXXX XXXX, submitting this complaint against Transunion, LLC and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXXXXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My debit card was used in Florida to withdraw {$2000.00} from my Wells Fargo account. My account was hacked, a claim was filed with the bank. They claim it was not a valid claim and dismissed it. I dont have {$2000.00} to lose. Im a XXXX  XXXX.
Consumer complaint received 2024-04-09
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: ALLY FINANCIAL INC. (TX)

My credit has been ran by several auto companies without my permission. According to FCRA section XXXX it is illegal to report information on my credit report, without my permission. I have submitted an identity theft report. I want this sent to the following companies : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally financial, XXXX XXXX XXXX