davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED 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
Consumer complaint received 2023-03-09
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. (NY)

in accordance with the fair credit report act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C1681 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.

15U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than the record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person hall not furnish any information to a consumer or any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$810.00}.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (AR)

requested a Letter of Guarantee on XX/XX/XXXX. I was told it would be 3-5 business days. I called today and was told it would be another 3-5 business days. 
When this happened, I did research online and found that Ally has a history of not producing a letter of Guarantee when requested. I am currently in collections and am able to sell my vehicle, pay it off, keep it from being repo 'd and running my credit. 
I truly believe they are holding off trying to repo my truck and sell it for more than what we owe. This is also reported as an issue online.
Consumer complaint received 2023-03-08
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: ALLY FINANCIAL INC. (MO)

Ally financial account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-09
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: CAINE & WEINER COMPANY, INC. (TX)

I disputed account # XXXX company name Caine and Weiner company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and XXXX deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and XXXX with these accounts deleted.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, Barclays, XXXX XXXX, XXXX, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-12-26
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. (NV)

I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send XXXX letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from XXXX  and when I finally do bad customer services and they end up hanging my call this has happen many time.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2024-03-19
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. (SC)

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (UT)

THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER XXXX  YEARS!!!

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!!

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & COMENITY BANK! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST COMENITY AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING XXXX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (LA)

I did a settlement offer with XXXX XXXX XXXX for a Navy Federal credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Neon Newco Corporation (MN)

NetSpend has locked my account due to the fact they said I used my password 6 times I missed it and that is not true because it was downloaded in XXXX and all I do is push that square and everything will come up they wouldn't let me in because I had two checks for {$250.00} that I need a cash to cash the first one but they wouldn't cash the second and they're both in my name and their from social security
Consumer complaint received 2017-10-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, I sent a letter to the XXXX credit bureaus, asking them to correct errors on my credit report. I promptly received responses from XXXX and XXXX XXXX showing the corrections, but I still have not receive ANYTHING from Equifax. I 've even sent follow-up letters. Still : No response from Equifax.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax has illegally blocked all my credit monitoring services with out my permission I can not get real time updates or alerts if someone is trying to use my information federal law states unless I request a credit alerts non shall be added I already froze my report
Consumer complaint received 2024-03-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

My previous complaint : XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding LVNV Funding as current creditor, but from a different company. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XX/XX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (IL)

I have never had any business with PNC Bank. I received notices that at least 3 new accounts were opened in my name. The customer service telephone numbers provided to report fraud were worthless because hold times were interminable. Finally, I visited a local PNC branch and the manager was somewhat helpful in reporting the fraud. 

I requested information about what private information of mine PNC had fraudulently obtained and presumably still had archived. In response, all I received was a bunch of perfunctory account closing reports with condescending correspondence about how PNC was pleased to help me solve MY problem. 

I had no problem! PNC had a problem in that they had established policies that made it easy for perpetrators to open fraudulent accounts even though it would be easy to institute anti-fraud safeguards. Instead, they opt for expediency, presumably to facilitate higher profits. This creates innocent victims of fraud.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (TX)

The property in question was sold through a short sale in 2008. California has since outlawed the collection of a deficiency balance for a primary residence after conducting an approved short sale. Collection of this debt is illegal under California law and this company is now bringing it back and damaging my credit some 15 years after this transaction was completed. Unfortunately, given the age, I am no longer able to locate documents from the completed short sale though they have sufficient records to confirm the loan was closed and lien released based on an approved transaction.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am complains against Equifax. I requested unfreezing my account. I forgot password and I already provided correct information and social security number. I already provided all information they need. I am XXXX They wont accept any video phone interpreting. I try to call them and they hang me up. I cant false and pretend to be XXXX or someone. I want to honest straightforward that I am XXXX XXXX XXXX XXXX They want XXXX It is way outdated. No body has it. I cant apply any loan or credit card bc of equifax. I dont know my password. It is direct violation for XXXX law ( XXXX XXXX act ) https : //www.ada.gov/ Every video phone is federal fund and interpreter got serial number. They are not scams. They sign agreements to keep all our information confidential. They never believe me. They think I am scam. There are no way for me to fix it and contact them. I cant travel thousands mile to proof who I am. It make me upset about something I cant fix.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

My secured card number is XXXX this card was closed 3 years back. i mistakenly paid {$3500.00} in XXXX which i am trying to get back. i have called the bank several times but they are not responding and telling me when i will get my money back. 

Wells Fargo is sitting on {$3500.00} for months now. 

Thanks, XXXX
Consumer complaint received 2020-12-26
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. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.