davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report. Upon review, I discovered unauthorized accounts negatively impacting my credit score and financial well-being. Specifically, the account with XXXX XXXX is fraudulent and was not opened or authorized by me.
Consumer complaint received 2021-10-28
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. (NY)

This is now my THIRD COMPLAINT to Equifax using CFPB and I will be compiling all my complaints and documents for submittal to upper governmental regulatory agencies to get justice.Despite two complaints, Equifax has chosen to leave data fields blank in regards to Outsource Receivables. Equifax has not been able to validate the debt nor post date of first delinquency data which would cause this negative information to be posted until the end of time. I will PERPETUALLY make complaints through CFPB until Equifax does what their are required to do by law. All their activity will be preserved for evidence of wrongdoing.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Chargeoff ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}
Consumer complaint received 2021-04-14
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. (IN)

I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of 2021. I disputed these items with the three major credit bureaus : Equifax, XX/XX/XXXX and XX/XX/XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXXXX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXXAccount Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XX/XX/XXXXAccount Number :XX/XX/XXXXPlease remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False ReportingXX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I recently sent a completed form requesting my free annual credit report from Equifax and XXXX to the address on the form at Equifax in XXXX. 

Although Equifax sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to 3 different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from XXXX. 

I will file a separate complaint for the host of inaccurate and incomplete information on my Equifax report, but please shut down Equifax and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

Equifax has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force XXXX to mail me a copy of its file on me to the address on the form I used to obtain the Equifax report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since Equifax rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AZ)

XX/XX/2021 Dear XXXX XXXX, Lvnv Funding Llc has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Creditor Account Number : XXXX Total Balance Due : {$910.00}
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been battling with TransUnion since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with TransUnion was on XX/XX/XXXX, where once again ( previously submitted more disputes ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to XXXX XXXX XXXX they had to block the information being disputed and correctly identified on the XXXX report in XXXX days. 

Today is XX/XX/XXXX and said information is STILL being reported. I filed several complaints and instead, they have DELETED my disputes from their system ( or at least from my side that I can see ) they have BLOCKED my ability to retrieve my report from their website and from the annual credit report website. I have submitted complaint # XXXX which is still open and they have not solved the issues. 
They continue reporting a hard inquiry from XXXX made on XX/XX/XXXX which had no permissible purpose and WAS INCLUDED in my XXXX identity theft report. 

BY LAW, XXXX WAS TO BLOCK SAID INFORMATION WITHIN XXXX DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Consumer complaint received 2022-02-25
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. (AL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )
Consumer complaint received 2022-02-25
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. (NV)

Experian will not remove address that I was never associated with also tried to dispute account it was fraud and they won't remove address in question is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX nevada when I spoke with experian they said they would have to inform creditor of my other addresses which is against the law
Consumer complaint received 2022-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/2022 XXXX XXXX XX/XX/2022 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
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. (TX)

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments never late XXXX XXXXXXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX XXXXXXXX : Bankruptcy
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return. 

Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me! 



APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM. 

APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.
Consumer complaint received 2022-12-02
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. (TX)

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments never late XXXX XXXXXXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXXXXXX FCRA Violation hard inquiry not mine XXXXXXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX : Bankruptcy XXXX  XXXX : Bankruptcy
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (WA)

Hello my name is XXXX XXXX. Over the last 6 months I have applied for a checking and savings account both personal and business, and I have been denied for no real reason. Everytime I've been denied it's due to some incorrect data being reported by XXXX or XXXX  XXXX  XXXX XXXX. 
I have reviewed all three credit reports and literally nothing is on any report period with regard to a financial institution. I do not have any delinquent accounts. 
Next I can not even get a business account with my EIN or UBI number. 
The company is spotless and has enough assets to qualify for an institutional client at a private bank yet I can not find a place to store my money or conduct buisness. 

Against privacy policies my internet is logged, my ip address is stored at various financial institutions, as well as all of my like my address or email info and especially my SSN. 
I am being treated like I am a criminal or a terrorist, who is being scrutinized watch and monitored. This is all but breaching my civil liberties. I have not consented to any treatment or information sharing. 
Yet that is the only explanation for the inability for me to open any sort of account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX checking XXXX XXXX XXXX I can go on. I have been denied from every major or otherwise financial banking institution, and I owe no bank. 



This is wrong and highly questionable.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello my issue to start off is Im in my XXXX and to use the computer is almost impossible until my niece comes to help me now iv had my capital one since XXXX and am on time with my payments now I understand I had not used it for a good six months but I sent in the supporting documents with non of my info or email changing and got my card unlocked XX/XX/XXXX then they locked it 3 days later and have sent in all supporting identifying documentation Id passport birth certificate taxes ect and about 10 -13 times not late on one payment and they refused to unlock my card or shut my account please all I ask is for one of them I feel I deal on this same topic daily with my capital one Walmart XXXX
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OR)

In late XX/XX/2022, my spouse mentioned to me that her account was getting a XXXX XXXX  monthly fee and it was eating up the little savings she had in the account. So on XX/XX/XXXX, I wrote a check from my account at Citibank to deposit in her account which is also at Citibank. I checked with her daily to make sure it had been deposited and today I found out the check had been returned and her account assessed a {$12.00} fee. When I asked about why the item was returned I was told initially that my account was frozen which turned out to me false. A second customer service representative then told me that I had not " activated '' my check book in order to write checks so any check I wrote would be rejected. I couldn't find any reference in my account agreement, online, or on my check books to any requirement to " activate '' my checkbook. I tried searching the citibank website and the web generally and only found ways to activate a debit card and complaints from other people about getting their checks returned and facing fees from other companies. On top of that, the customer service person I spoke to couldn't figure out how to activate my checkbook either. This seems to me to be a deceptive and or unfair practice under XXXX. After a third call I was able to get a rep to refund the fee on my wife 's account, this rep also had no idea about activating a check book. But could you imagine the headache of what would happen if you got that check rejected at a store? Well the complaints I found online certainly got to experience that. End of the day I had to waste a ton of time to get the refund and now I want to close my account. Oh but wait, I can't write checks still because no one can activate my checkbook. If I try to close my account Citi will take 15 days to send me a check. I tried to set up an online transfer out of the bank but I am limited in how much I can remove each month. So my money is stuck at Citibank for at least two weeks. The banks practices here need some scrutiny. They are harming consumers with this activation process that is not standard in banking and comes with no notice.