davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (CA)

This problem is with Experian and XXXX. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.
Consumer complaint received 2020-07-11
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)

On XX/XX/2020 after trying to open a new bank account EQUIFAX had incorrect personal information on my name and date of birth. After a phone call to EQUIFAX on XX/XX/2020 I was told to upload my Social Security and Drivers License to correct and update my personal information on my credit report. On XX/XX/2020 at XXXX EST the Social Security and Drivers License was uploaded and sent with the confirmation number XXXX emailed to me with the Estimated Date of Completion XX/XX/2020. On XX/XX/2020 I received a email from EQUIFAX that I had no disputes filed with EQUIFAX. Will you please help me as they have my mothers birthday as mine as well as incorrect name on my report and I can not open any accounts with inaccuracies and sloppy record keeping by EQUIFAX. 
Thank you very much XXXX XXXX XXXX
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

i deposited a check for XXXX dollars on monday at XXXX XXXX .. the teller said that XXXX was available immediately and the rest a day or two.,, wells fargo put an 8 day hold on the check because i had late fees and they wanted to hold it .. i am XXXX and unemployed thats money i need to live
Consumer complaint received 2021-07-01
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 (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 Experian removed 7 inquires off my report, report number XXXX. 

Now 15 U.S.C 1681n ( b ) states they owe me {$1000.00} per violations, now thats {$7000.00}.
Consumer complaint received 2021-06-30
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)

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.
Consumer complaint received 2021-06-30
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. (NJ)

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I personally saw XXXX XXXX XXXX and XXXX XXXX went in my mailbox to steal my mail. I believed they stole my first edd card because I waited almost 5 weeks to get my first card which I activated in XXXX. Same month the card was issued out. How can I have XXXX transactions? I brought this to their attention for months until i was told the transactions are too far back to dispute. These little worthless kids have victimized my family for years and many more people were victimized I'm sure of it due to the fluency of their crimes. They were helped by XXXX XXXX who fraud my dead dad for 20 years. He didn't want to get caught so he set my whole family up allowing anyone to take advantage so in case he gets busted, it's way too many people to get in trouble.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (MO)

There was a credit report I received that showed items reporting some information that is not correct and I do not recognize and authorized. The unverified, incomplete, inaccurate items on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

I have disputed these accounts from the three Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the 3 major Bureaus and told them these are not mine and should be removed but I could not get any help
Consumer complaint received 2021-06-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have sent XXXX and Experian by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (GA)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  : XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX Date Opened:XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT ) ( XXXX Date Opened : XX/XX/XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT )
Consumer complaint received 2022-11-13
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4100.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : CB/WAYFAIR Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4900.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1600.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (LA)

In XXXX I sent letters to report inaccurate accounts on my credit report. I was not informed of these debts and as the original debtor, I should have been. I would like these removed from my credit report which is causing some hardship, and to be furnished with new credit reports with them removed.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

on or about XX/XX/2021, I received a notice from Credit Collection Services that I owed XXXX {$330.00}. I called CCS and advised them to send me proof of services and debt. CCS referred me to XXXX and I explained to CCS that they need to send me the proof of services and debt if they are collecting on XXXX 's behalf. On or about XX/XX/2021 XXXX sent me notice that they will report me to all three credit bureau if I don't pay by XX/XX/2021. I called XXXX and advised them that I have not received any documentation from them on the said debt and or services from XXXX. They told me that they would send me the Health Insurance Claim form. I did receive the Health Insurance claim from which had my name and date of birth, however, it had a bad address and doctor that I had never seen or heard of. The Claim form had 'signature on file ' and no verification or actual signature. I requested that CCS go back and send me proof of debt/ service with my signature authorization such as service and doctor. CCS did not send me proof and reported me to all three credit bureaus.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A debt of {$10000.00} has been posted on my credit report linked to a Saks Fifth Avenue Capital One account. I worked for Saks Fifth Avenue for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from Saks asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from Saks Fifth Avenue since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.
Consumer complaint received 2024-03-15
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. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/XXXX received 8 calls in 7 hours between XXXX and XXXX XXXX  regarding lane bryant credit card XX/XX/XXXX received 5 calls in 6 hours between XXXX XXXX  and XXXX XXXX  regarding same lane bryant credit card XX/XX/XXXX. Received XXXX calls between XXXX and XXXX XXXX  regarding same lane bryant credit card with payment already scheduled for 5/22 in past due amount of {$37.00}.

Amount past due is {$37.00}. Lane Bryant attempting to collect past due {$37.00}, and future due {$22.00}.

Lane bryant representative states that my account will remain in the past due status until I also pay the future amount due of the {$22.00} that is not due until XX/XX/XXXX ( 3 more weeks ). I understand that this means that I may continue to receive 7-8 calls per day at work until I pay the future amount due.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (TN)

I filed a dispute with XXXX, XXXX, and XXXX  about incorrect items being reported to my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-03-15
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. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Consumer complaint received 2021-06-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (OH)

XX/XX/2021 in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sepreme Court # XXXX sent letter saying I owe a debt and his law firm was the collecting agency for One Main financial LLC. Both entities and company are in violation of Consumer Rights and 15 USC 1692