davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in 2017. The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in 2017 and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage.

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to kill me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!
Consumer complaint received 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I went into the XXXXXXXX XXXX XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
Consumer complaint received 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX  account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft. 

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information. 

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$6500.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$3800.00} Highest Balance : {$6500.00}
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXXXXXX XXXX  Account Number : XXXX.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX of this year, I opened my checking account on Citi online, before that I called the bank to ask if I could have one since I live in Texas and there are no branches here they said yes so I did. 
I then recieved my debit card on XX/XX/XXXX and I transfer funds from my other bank to here. I Just transferred {$800.00} dollars. 
The main reason I opened the account is because I also bank in XXXX  which is a bank from the same company of city but in XXXX  which Ive had no issues at all And I wanted to be able to transfer funds from these 2 accounts if needed, because Citi states that you can do that between 2 Citi banks even if theyre from another country So I sent {$100.00} to see if I would get the money the same day, so I did And I then sent the remaining {$700.00} and my account was blocked and it said error MFA and to call the bank I called the bank on XX/XX/XXXX and they told me they couldnt verify my account even tho I have the number and email I use to open the account So they said the would sent a letter to my house to verify my identity in 7 days, and I never did, I had called the bank and they keep hanging up on me, they tell me theres nothing they could do And I cant log in, transfer anything, use my card So they have my money and I cant use it and Theres no one I can talk to
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE FARM BANK, FSB (NC)

I cancelled my insurance months ago by sending written communication to State Farm ( both via their online messaging system and direct email ). This car insurance was as a result formally cancelled on XX/XX/2019. However, I have had payments paid beyond this date. I have asked State Farm to refund the extra payments, but they have failed to give me either a simple billing info or refund. 

State Farm should understand thy should respect customers time. I have received numerous phone calls during working hours from multiple people trying to market their service, while I clearly responded back to them that I have cancelled my service and am not inserted. Instead of addressing my request to refund, they keep providing vague responses which is clearly disrespectful to customer demands.
Consumer complaint received 2019-09-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft I was a victim of Transunion " inquiry issues '' I tried contacting Transunion to resolve the issue & have the negative inquiry reporting removed, but customer service would not take care of it The inquires that need to be removed are listed below 1. XXXX XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX
Consumer complaint received 2023-02-21
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 is my follow-up 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 XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} The address listed is not my current address, and This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, 2018 I purchased two wedding rings for {$3200.00}. The cashier original rang the purchase plan up as 12 month same as cash. She was clearly more interested in making a sale instead of provided me with good customer service. The store manager  XXXX corrected the error, return my purchase, and re rang the purchase under the 36 month plan@ 9.99 % interest. Unbeknownst to me XXXX XXXX XXXX did not adjust the error on their end. After several months of calling, speaking to different managers, disputing the issue with the dispute department. XXXX XXXX XXXX is refusing to correct the error. Even, though I have submitted my receipt showing I should be under the 36 month promotional plan, and not be charged 29.99 % interest. Manager XXXX @ extension XXXX agreed that an error had been made on XXXX XXXX part. But, " he had to be very careful what he said. '' Account name is under my wife XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements XXXX XXXX Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX