davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (MO)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (MO)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Federal XXXX Date Filed/Reported : XX/XX/2015 Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (GA)

I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts
Consumer complaint received 2022-06-06
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. (TX)

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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 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 2022-06-06
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. (TX)

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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 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 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXXXXXX XXXX XXXX acct 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 instruction.
Consumer complaint received 2022-06-06
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. (MO)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXE ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$83.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2015 Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-08
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX LOT XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (PA)

Formal Complaint against Celtic/CONFINCO Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Celtic/CONFINCO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Celtic/CONFINCO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Celtic/CONFINCO including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Celtic/CONFINCO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Celtic/CONFINCO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Celtic/CONFINCO is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Celtic/CONFINCO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Celtic/CONFINCO constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (TN)

I lost my phone with all my contacts, apps and other personal information. While waiting on my new phone I received an alert from my security company stating that someone tried to apply for credit using my name and information!
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MD)

I Never received an attempt to collect debt. I was never informed of the debt owed. I only found out by trying to apply for an apartment and having a collection on my credit report. I have not received a letter of settlement or any correspondence regarding this debt even after payment I have not received a receipt.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (TX)

I was approved for a Possible installment loan on XX/XX/2023, with payments of {$23.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My initial payment of {$23.00} was successful, but as my second payment approached, I began to experience financial difficulties. Given my current situation, I asked for a deadline extension to give me more time. Knowing that payments are reported to credit bureaus after 30 days, I diligently attempted to contact customer service to confirm whether payment reporting would be based on the initial or extended new date ( Ex. When a payment is delayed with XXXX 30 day reporting is based on the new delayed payment date and not the original payment date ). Unfortunately, I was not successful. With no provided information, I attempted to execute a single payment for the current due installment ( again trying to save my credit ) but was unable to do so and was forced to pay the whole amount due. When I attempted to acquire assistance with my payment issue again, I was met with generic robotic messages and no direct number to call for immediate assistance. This is an unfair practice that does not provide consumers witha fair chance to save their credit reporting and prevent adverse actions. Even after agreeing to pay the sum in full, I have yet to receive assistance as of today.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}XXXX XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX account number : XXXX - {$420.00}, XXXX XXXX  XXXX XXXX account number : XXXX, XXXX XXXX account number : 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 an account without my written instructions.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

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.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

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.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX  XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

Dear Consumer Financial Protection Bureau, I am reaching out to urgently request the CFPB 's intervention in a serious matter involving unauthorized access and transactions in my Wells Fargo bank account. Despite my efforts to rectify previous security issues, my account continues to be compromised, indicating a significant and ongoing breach. 

Account Security Breaches : Unauthorized electronic funds transfers and XXXX transactions were made from my account to unknown parties, which I did not authorize. Totaling XXXX $ My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evident in the attached notifications. 
Unauthorized transactions involving the transfer service XXXX were made, a service I have never used, necessitating a full refund of these transactions by Wells Fargo. 
Please investigate and see who is logging into my account and changing my password. Please look up the IP address. 

Dispute with Wells Fargo : My claims have been previously rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. 
There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory and inadequate. 
Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation by Wells Fargo, recrediting of my account for unauthorized transactions, and a written explanation of their findings. 
Request for CFPB Action : Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 
Notification of email unenrollment from XXXX transactions. 
Evidence of unauthorized transactions involving XXXX. 
Police report and additional documentation evidencing unauthorized access and transactions.