davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-10-08
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. (LA)

Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$810.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX refugee. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (CA)

XXXXFORTIVA Original creditor : I have no idea how this company got my information. I never agreed to any services or products with this company. I tried disputing this with credit bureau, but corrections never made. After several harassing calls to my phone during unlawful hours and on holidays I repeatedly asked them to stop calling me if they were unwilling to send me proof of any agreement for services with them. They refused to send me any account information or signed agreements. The refuse getting supervisor on the line and refuse to transfer to an American call center. As a result this has caused continued harm to my credit reputation.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Chex Systems is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX XXXXXXXX, XXXX XXXX XXXX nor the consumer reporting agency Chex Systems have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third partiesXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. 

Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had sent a resume via XXXX to a work from home position and was contacted by XXXX and XXXX via text message. I was told to download telegram and speak to the HR manager to discuss the position. I was interviewed, hired, and told that I would receive equipment. I received a fake check, deposited, and sent money to several people for the equipment but never received anything.
Consumer complaint received 2023-05-19
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. (TX)

I am filing this complaint to express my complete dissatisfaction with Experian 's lack of investigation. I've notified them numerous times regarding errors on my credit report and they have not done anything to fix the errors and they have not been able to properly verify the information. I am stressed due to their erroneous reporting which is causing my scores to go down and making it hard for me to get approved for credit. They have been negligent in their handling of my disputes and non compliant to the FCRA on several accounts. I am seeking legal advice on the matter due to multiple violations of the FCRA being hard to ignore.
Consumer complaint received 2023-05-19
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. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-08-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (OR)

My problems are presently with Key Bank : 1. My chip-embedded credit card is currently lost by Key. 2. I have no access to my checking account Key Rewards either. 3. Web Site instructions are a sham! 4. Neither Key local nor Key Headquarters nor miscellaneous Key Online bankers are adept to follow through, answer real questions sufficiently. They do not resolve problems this bank creates. This is intentional. Instead, Key bankers shuffle this customer ( I daresay thousands other customers, also ) to and fro, place this customer on endless phone " HOLDS '' ( while they confer with some other banker targeted to forward my call to next ). Once this is done, that banker simply begins the Recycle process all over. Their " poker-faced '' mouths express ignorance and ask customer 's reason for needing assistance. They replay the canned interrogation questions already answered. Once again, the customer must respond and reiterate the same personal details. [ My God! It is my opinion the banking industry itself is the biggest threat to stolen identities and stolen dollars. Industry bankers surreptitiously use their customers! ]
Consumer complaint received 2024-02-29
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

1 XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-19
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. (AR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-03-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo closed my checking account. They did not give me a reason why. At this point, I am only interested in when they will be returning my {$500.00}. They have had the money frozen for over two weeks and the account is now closed with a XXXX balance.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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. (GA)

U

nder the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. Experian is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Under the 15 USC 1681b ( a ) ( 2 ) Experian did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item o
n my consumer report.
Consumer complaint received 2024-02-29
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. (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 this reporting account 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 XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00}
Consumer complaint received 2023-08-03
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: GOLDMAN SACHS BANK USA (FL)

There is an account on my credit report from Goldman Sachs. I never opened an account with Goldman Sachs. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX  XXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A account at bank of America was fraudulent opened under my name, I believe it was opened by the bank. I contacted the fraud department and they had very little concern and didn't even close the account when I requested them to do so.
Consumer complaint received 2023-02-01
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)

Transunion phone # ( XXXX ) XXXX is Reporting XXXX XXXX XXXX on my credit report this is a fraud account please remove thank you. 


Original creditor name XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2018-05-27
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. (OK)

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, transunion, XXXX, and XXXX  has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, Transunion and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have been dealing ID theft and I have made a police report ( XX/XX/XXXX ) put a fraud alert on my credit file in XX/XX/XXXX, I had been in contact with XXXX due to fraud on the account, my address, phone number, and emails kept getting changed. we placed a password on the account ( XX/XX/XXXX ) so I would have to call up the fraud department, tell them my passcode, they unlock my card, et them I could make a purchase. In XXXX of XXXX, I noticed I hadnt received my new credit card so I called the XXXX credit card department and asked why I hadnt received my new card. Everything again in my account had been changed. At this time the man allowed me to change everything on my account without asking for my passcode. When I asked him why he hadnt asked for it, he told me that everything was verified through the phone prior to me talking to him. I informed him that I was dealing XXXX ID theft and the passcode was because they had everything to verify online, he then sent me to the fraud department because more charges were on my account. I ordered another card and again never received it. I called back up to XXXX and once again my information was changed. The lady again never asked for my passcode until I mentioned it to her. We once again changed everything to my correct information. The next thing I know Im being told that I owe {$5500.00} on my account. Ive filed several complaints with them with fraud et they decided it wasnt fraud. When I called them again, once again my information was changed to somewhere else. I got notified by XXXX XX/XX/XXXX that they sent it to a collection agency. I called the collection agency et they informed me of why XXXX said it was fraud. I guess in late XXXX, a guy was placed on my XXXX  account as an authorized user. This was verified by an email that i said it was ok and a card had been sent to him. I was unaware of any of this information until just recently. I never authorized anyone an user on my account, nor got statements of this, nor did XXXX  make me aware of it. They refuse to take it off my credit. I did everything I was told to do by XXXX fraud department to stop someone from getting into my account. Due to XXXX employees negligence of not asking my passcode, someone was able to get into my account and run my card up. I am suffering from the consequences of it. XXXX should have all phone recordings to verify that I called several times and the recordings of the other person. I guarantee you they are not the same person.
Consumer complaint received 2023-05-19
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX