davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (SC)

1. For XXXX XXXX on my Experian credit report, Experian refuses to remove the negative item. The account was opened on XX/XX/XXXX, it's been 8 years and the account has not been removed. Also, I would like to dispute this issue under the Civil Service Relief Act since I incurred this debt prior to entering service in XX/XX/XXXX. I would like for this account to be removed immediately. Please see attached for evidence. 

2. For XXXX XXXX Co XXXX on my XXXX reports XXXX I would like these accounts removed due to the fact they both are not accurate and are not reflecting the same data from both credit bureaus. Please see below for the following issues : a. On my Experian credit report, the issues on my account is as listed : - Account Type : Auto Loan - Payment Status : Paid, was a charge-off - Status Date : XX/XX/XXXX - Balance : " - '' - Balance Updated : XX/XX/XXXX - Past due amount : " - '' - Terms : 72 Months - Contact information : XXXX XXXX XXXX XXXX XXXX NC XXXX- The late payments are for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

b. On my XXXX credit report, the issues on my account is as listed : - Account Type : Installment Account - Payment Status : Paid or paying as agreed - Status Date : XX/XX/XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Past due amount : {$0.00} - Terms : 82 Months - Contact information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX- The 1 late payment is for XX/XX/XXXX I would like to be CC 'd on every correspondence that is sent to the credit bureaus.
Consumer complaint received 2022-05-18
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. (PA)

I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USA Credit Solutions, Inc (OH)

Today XX/XX/2022, I spoke with XXXX XXXX with XXXXXXXX XXXX XXXX XXXX She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX  XXXX  or XXXX XXXX  and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX XXXX  has stole my identity and sold it to XXXX XXXX  collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt.

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-18
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. (OH)

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (LA)

My wife and I went to XXXX XXXX to see about trading in our XXXX XXXX so they ran out credit way to many times even though they said they only ran it once
Consumer complaint received 2022-05-18
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 According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  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 2 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 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Unbeknownst to me, I had an automatic renewal charged to my Comenity credit account in the amount of {$20.00}. I was not aware because I never received a statement via email ( paperless statement ) until I orderedmy credit report. There or about the same time, I was contacted, several months later ... with a balance of {$84.00}. At which time, I was told that I needed to pay the past due amount of {$47.00}. I paid that amount and was assured that the negative impact on my credit report would be removed. A month later, I see my credit report is still reflecting the negative impact. I call Comenity and find out that I now have a balance due of {$1.00}. I pay the bill and ask that they remove the negative impact. I'm then told that there is nothing they can do about their intentional acts of fraud. I closed the account.
Consumer complaint received 2022-05-18
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: CREDIT ACCEPTANCE CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 SECTION 602 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2019 a dispute was made with XXXX, TRANSUNION and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Consumer complaint received 2024-03-11
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

Today XX/XX/2022, I spoke with XXXX XXXX with XXXX law collection agency. She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX XXXX or XXXX law and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX health has stole my identity and sold it to XXXX law collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-18
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: JPMORGAN CHASE & CO. (AZ)

I was was alerted by XXXX that there was a new loan on my credit file, I tried to contact chase bank and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone name.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I was a victim of " Skimming '' Crime on XX/XX/2022. At the time of the withdrawal of {$300.00}, I never used my Chime Debit Card. As soon as I learned that I became a victim of " Skimming '' Crime, I reported the problem to Chime Bank. Chime Bank made an adverse decision as a result after I presented multitudes of evidence, screenshots, location, Witnesses, Co-Workers, Supervisors, Names, Phone Numbers, etc., to their Fraud Investigations Team. I had Chime Bank, XXXX, give me a Replacement Debit Card. And, Chime Bank gave me a Damaged Replacement Debit Card. So far, I'm getting consultation from Attorney XXXX XXXX XXXX. My Claim Number from Chime Bank is XXXX. My XXXX XXXX with Attorney is : ( XXXX )
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ME)

My husband was selling a XXXX scooter for {$1200.00} on XXXXXXXX XXXX XXXXXXXX. A woman named XXXX XXXX ( her account is now deleted ) wanted to pay him via Zelle. We didn't use Zelle but I could see my bank, XXXX XXXX XXXX, offered Zelle so I assumed it could be trusted and I enrolled so she could send payment. She told me she sent payment and thenZelle sent me an email telling me that she would be sending me an additional {$300.00} to upgrade my account to a business account because my personal account could not accept that much. They instructed me to contact her to get info on how to send the extra {$300.00} back. I contacted her via her XXXX XXXX and she provided an email address. I received a notice from Zelle claiming they had received her {$1200.00} and would release the money after I sent the {$300.00} extra back to her. I sent {$300.00} but she claimed not to have it. In the morning I questioned Zelle about this and got another email from them telling me to send an additional payment to XXXX of {$350.00} for processing fee. I told them no and that I reported them to the FBI, my bank, and Zelle. I told the fake Zelle representative that I did this and I received a threatening email back from this person telling me they would be reporting me to the FBI and I would be charged with a crime for failing to make payment. I told them go ahead. I was the seller, not the buyer so what payment was I failing to make? Anyway, this was obviously scam and I'm out the {$300.00} but it is FRAUD for these scammers to claim to be Zelle. These scammers need to be charged with fraud. I have emails, XXXX messages, etc... that I will provide you with if you give me an email address to your fraud department so I can attach them. You have all my contact information, please acknowledge receipt of this complaint.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc (FL)

Chime bank has a new XXXX XXXX card heavily advertised to help build your credit if used. Myself and many others have been scammed into getting this card under the impression it would help build our credit, only to have our credit drop anywhere from XXXX. Many users have spoken to representatives who have told us the card absolutely will not lower credit limits, only raise them. Today I personally saw a card user be told this by a representative as he went to cancel his XXXX  XXXX  card. I believe this is a scam / very misleading at the least. People are being told lies that this card is unable to badly affect credit and to use it like a debit card. This is negligent and is ruining credit scores and lives.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Starting in XXXX, subpoenas were issued to Wells Fargo Bank to obtain the signature cards for three accounts. The signature cards were needed to confirm ownership of the accounts at Wells Fargo Bank as the owner had passed and her estate was in probate. After considerable effort, Wells Fargo finally released the final signature card in XXXX, XXXX. The information provided showed the Decedent and her husband as account owners had added a daughter to one of their accounts in XXXX. The manner in which the daughter was added raised questions as the initial designation was as a XXXXXXXX XXXX XXXX. The signature card also shows the XXXXXXXX XXXX XXXX  designation was lined through and changed to read Beneficiary. This change was not dated or initialed by the account owners, making the change suspect. In XXXX the account owner updated the signature card for all three accounts and removed the daughters name / standing. In XXXX, the signature card was updated again to show the death of the husband of the account holder. Once again, the account holder declined to add the daughter back onto the account. Wells Fargo Bank is now refusing to honor their signature cards and release the funds in the account to the Decedents estate. The daughter who was removed from an account in XXXX ( beneficiary status eliminated ) is now claiming she is entitled to funds in the account.