davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} ALSO THE XXXX XXXX  ACCOUNTS HAVE THE SAME ACCOUT NUMBERS WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY
Consumer complaint received 2019-11-12
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. (NJ)

I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.
Consumer complaint received 2020-08-27
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)

I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (OK)

My name is XXXX XXXX I had a XXXX 'XXXX  XXXX membership. I canceled the membership many months ago. They are seeking {$350.00} through the collection company of First Credit Services. My membership was canceled in writing via email like they asked me to do. I never owed anything. I tried explaining this to their collection team and they wouldn't hear it. I still have the e-mail to them showing I canceled it prior to any fees. They are using First Credit Services to try to collect a debt I don't owe. XXXX 'XXXX  XXXX  would send a no reply email alerting me of these fees. It shouldn't be legal to use these no reply emails, because it left me no avenue to explain the earlier email sent showing cancellation prior to any fees. The reality is, they don't want to hear from customers, it is a ploy to try to get them into collections. 

First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number XXXX My email is XXXX My phone number is XXXX. I want to launch a complaint against both XXXX 'XXXX XXXX and their collection arm First Credit Services , Inc .
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

Applied and was accepted for a Citibank credit card over a month ago. Received letter stating a card would arrive soon. Card never arrived. Called Citibank to get a replacement card with expedited shipping, again, card never arrived. Called a third time to get a replacement card, was told 1 ) Citibank could not send a verification message to my phone number 2 ) Citibank could not call back to verify my phone number, even though I was calling from said number 3 ) Citibank could not verify my identity to send another card without first sending a verification letter.

At this point I was quite frustrated, as previous mail had not arrived and the only option they gave me to access my account was yet another letter. So I told them to close my account. They refused, citing inability to verify my account. I now have a credit card account that I can't access and can't cancel until I get a letter that might honestly never arrive. I do not understand such measures, as no such verification was required to open the account in the first place.

I simply want to close my account as Citibank has repeatedly failed to deliver the card that I signed up for.
Consumer complaint received 2020-12-04
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. (AL)

I recently challenged the validity of XXXX XXXX XXXX. Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information of true, Im requesting the information Experian used to verify this account in writing. If such documents can not be produced please notify Experian to delete this account off my credit report immediately
Consumer complaint received 2017-09-21
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: Optimum Outcomes, Inc. (GA)

I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

Someone other than the account-holder with a TD Checking Account has been transferring large amounts of funds to a trading app named XXXX. It totals {$240000.00}. TD is not being very cooperative. An investigation needs to be opened to unmask these on-line fraudulent transactions ASAP!
Consumer complaint received 2022-08-05
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX. Account # 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-15
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: CBC Companies, Inc. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Management, Inc. (FL)

On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is Accelerated Receivables is also listed on my credit report in the amount of {$930.00} and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts from each collection agency has my signature and date however the signature/date for the sales consultant is different on each contract. Under the FDCPA, two collection agencies can not collect for the SAME debt. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, Accelerated Receivables only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract.
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, Experian, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Consumer complaint received 2020-10-26
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)

I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something
Consumer complaint received 2020-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a loan with XXXX, CAP ONE NA, XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CAP ONE NA, XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX, doing business for XXXX XXXX XXXX XXXX, has repeatedly ignored payments I made since XXXX, 2022, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Innovate Managed Holdings, LLC (KY)

This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (ID)

XX/XX/2021 : Opened Citi Priority Checking and Savings accounts using the link on the {$700.00} promo ( promo screenshot attached and welcome email attached ). 

XX/XX/2021 : Accounts fully funded with {$50000.00} by XX/XX/2021. This money has been left in the accounts this entire time ( as of today XX/XX/2021 ). ( screenshot attached ) XX/XX/2021 : Contacted Citi inquiring where my {$700.00} was. I was told that I had successfully opened the accounts and funded them by XX/XX/2021, and maintained balance for 60 days and was eligible for the promotion. I was told I would receive it 90 days from the XXXX day from XX/XX/2021 ( which is XX/XX/2021 ). I was specifically told I would receive it well by the end of XXXX. ( screenshot attached ) XX/XX/2021 : Contacted Citi again and they apologized that the bonus had not been applied and raised a dispute ( XXXX XXXX ). They said the investigation could take as long as 5 business days. ( screenshot attached ) XX/XX/2021 : Contacted Citi again, having received neither the bonus nor any response on the dispute. Was instructed to call an XXXX and give my dispute R number. ( screenshot attached ) I called this number and spent 10 minutes trying to get to a representative. It was not a number to a dedicated dispute department but rather was just a general customer service line and I could never get out of the automated AI person.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX sent a letter dated XX/XX/year>XXXX   that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.